Bank · FDIC insured
First State Bank Nebraska CD Rates
First State Bank Nebraska’s best CD rate is 4.05% APY on an 18-month CD. Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How First State Bank Nebraska’s CD rates compare
Compared with banks and credit unions near Omaha, NE-IA, where First State Bank Nebraska has the most branches. $10,000, best rate first.
This bank’s best
First State Bank Nebraska
4.05%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $614
CDs
Top rate
Metro Credit Union
4.55%APY
- Term
- 25 months
- Minimum
- $500
- Earns on $10,000
- $971
2nd-highest rate
First Westroads Bank
4.55%APY
- Term
- 48 months
- Minimum
- $500
- Earns on $10,000
- $1,948
First State Bank Nebraska CD score
82
CD score
Higher than 57% of U.S. banks and credit unions
- 3–8 months3–8 mo3.54%
- 9–15 months9–15 mo3.73%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo2.50%
- QualifiedQualified4.05%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First State Bank Nebraska ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
CDs
Up to 4.05%APY · 11 terms
Minimum opening balance requirements of $500, $5,000 or $50,000, depending on term of deposit. No monthly service charges. Withdrawal of funds prior to maturity may be subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthPenalty will or may be imposed for early withdrawal | 0.05% | $0 |
| 2 monthsPenalty will or may be imposed for early withdrawal | 0.05% | $1 |
| 3 monthsPenalty will or may be imposed for early withdrawal | 0.50% | $12 |
| 6 monthsPenalty will or may be imposed for early withdrawal | 3.54% | $175 |
| 12 monthsPenalty will or may be imposed for early withdrawal | 3.73% | $373 |
| 18 monthsPenalty will or may be imposed for early withdrawal | 4.05% | $614 |
| 24 monthsPenalty will or may be imposed for early withdrawal | 3.95% | $806 |
| 30 monthsPenalty will or may be imposed for early withdrawal | 1.25% | $315 |
| 36 monthsPenalty will or may be imposed for early withdrawal | 2.50% | $769 |
| 48 monthsPenalty will or may be imposed for early withdrawal | 2.50% | $1,038 |
| 60 monthsPenalty will or may be imposed for early withdrawal | 2.50% | $1,314 |
Sources (1)
- 1fsb.bank/personal/banking/cds-iras · captured Sep 24, 2026
Special-purpose accounts
Variable Rate IRA
0.75%APY
Rates may change after the account is opened (lines 41). Penalty may be imposed for early withdrawal (lines 60).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.75% | $75 |
Sources (1)
- 1fsb.bank/personal/banking/cds-iras · captured Sep 24, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.