Bank · FDIC insured
Flatwater Bank Savings Rates
Flatwater Bank’s best savings rate is 3.60% APY, with its Companion Savings, with extra requirements. Rates checked October 22, 2026.
How Flatwater Bank’s savings rates compare
Compared with banks and credit unions near North Platte, NE, where Flatwater Bank has the most branches. $10,000, best rate first.
This bank’s best
Flatwater Bank
3.60%APY
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000 a year
- $360
Companion Savings
2nd-highest rate
North Platte Union Pacific Employees Credit Union
2.01%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $201
3rd-highest rate
Lincoln Federal Savings Bank
2.00%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $200
Flatwater Bank savings score
70
Savings score
Higher than 27% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified2.00%
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 Flatwater Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Companion Savings
3.60%APY
Must be opened the same day as a newly issued Flatwater Bank CD. Maximum deposit is equal to the amount of the corresponding new CD. Deposits limited to initial deposit only or at the same time as opening a new CD.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upInterest compounded and credited quarterly. Keep a $500 daily balance in the account to avoid the $25 quarterly maintenance fee. Maximum deposit equals amount of newly opened CD.$500 and up | 3.60% | $360 | Interest compounded and credited quarterly. Keep a $500 daily balance in the account to avoid the $25 quarterly maintenance fee. Maximum deposit equals amount of newly opened CD. |
Sources (1)
- flatwater.bank/personal/companionsavings · captured Sep 18, 2026
HighYield Savings
Up to 2.00%APY
Links to free HighYield or CashBack Checking (required). Qualifications: at least 12 debit card purchases each > $5.00, at least 1 ACH credit or ACH payment transaction, and enrolled in e-statements per Monthly Qualification Cycle. Limit 1 account per SSN. Not for commercial purposes. No recurring monthly maintenance charges.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000When linked CashBack Checking or HighYield Checking account qualifications are met during Monthly Qualification Cycle. | 2.00% | $200 | When linked CashBack Checking or HighYield Checking account qualifications are met during Monthly Qualification Cycle. |
| Any balanceBase rate earned on entire daily balance when qualifications in linked HighYield or CashBack checking are not met. | 0.05% | $5 | Base rate earned on entire daily balance when qualifications in linked HighYield or CashBack checking are not met. |
| $100,000 and upWhen linked CashBack Checking or HighYield Checking account qualifications are met during Monthly Qualification Cycle; 0.50% interest rate on portion of daily balance over $100,000, resulting in 2.00% to 1.25% APY depending on balance. | 0.50% | — | When linked CashBack Checking or HighYield Checking account qualifications are met during Monthly Qualification Cycle; 0.50% interest rate on portion of daily balance over $100,000, resulting in 2.00% to 1.25% APY depending on balance. |
Sources (1)
- flatwater.bank/personal/highyield-savings · captured Sep 18, 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.