Bank · FDIC insured
Henderson State Bank CD Rates
A $678.5M bank headquartered in Henderson, NE, with 12 branches in Nebraska.
How Henderson State Bank’s CD rates compare
Compared with banks and credit unions near North Platte, NE, where Henderson State Bank has the most branches. $10,000, best rate first.
This bank’s best
Henderson State Bank
4.25%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $425
Certificate of Deposit (CD) - East
Top rate
Western Nebraska Bank
4.27%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $100
- Earns on $10,000
- $537
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit (CD) - East
Up to 4.25%APY · 11 terms
Penalty may be imposed for early withdrawal. Rates and APY may change after account opening per account agreement. Daily balance method used to calculate interest. Automatic renewal with 10-day grace period. Advantage 65 customers call local branch for rates. No brokered certificates of deposit or dealers.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.20% | $30 |
| 6 monthsSpecial CD; Product available for IRA CD | 4.00% | $198 |
| 9 months | 1.70% | $127 |
| 12 months12 Month Flex | 4.00% | $400 |
| 12 monthsSpecial CD; Product available for IRA CD | 4.25% | $425 |
| 15 months | 2.45% | $307 |
| 18 months | 2.45% | $370 |
| 24 monthsSpecial CD; Product available for IRA CD | 4.05% | $826 |
| 30 months | 2.65% | $676 |
| 36 months | 2.70% | $832 |
| 48 months | 2.75% | $1,146 |
| 60 months | 2.75% | $1,453 |
Sources (2)
All captured Oct 15, 2026
IntraFi Network (CDARS) Certificates of Deposit - East
Up to 4.25%APY · 5 terms
Certificates of Deposit for placement in IntraFi Network (CDARS). Fees may reduce earnings. Penalty may be imposed for early withdrawal. No brokered certificates of deposit or dealers.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months13 Week | 1.20% | $30 |
| 6 months26 Week | 4.00% | $198 |
| 12 months52 Week | 4.25% | $425 |
| 24 months2 Year | 4.05% | $826 |
| 36 months3 Year | 2.70% | $832 |
Sources (1)
- hendersonstate.bank/rates · captured Oct 15, 2026
Certificate of Deposit (CD) - West
Up to 4.15%APY · 11 terms
Penalty may be imposed for early withdrawal. Rates and APY may change after account opening per account agreement. Daily balance method used to calculate interest. Automatic renewal with 10-day grace period. Advantage 65 customers call local branch for rates. No brokered certificates of deposit or dealers.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.20% | $30 |
| 6 monthsProduct available for IRA CD | 2.27% | $113 |
| 9 months | 1.70% | $127 |
| 12 months12 Month Flex CD | 3.95% | $395 |
| 12 monthsProduct available for IRA CD | 4.15% | $415 |
| 15 months | 2.45% | $307 |
| 18 months | 2.83% | $427 |
| 24 monthsProduct available for IRA CD | 4.05% | $826 |
| 30 months | 2.93% | $749 |
| 36 months | 3.51% | $1,090 |
| 48 months | 2.32% | $961 |
| 60 months | 3.09% | $1,643 |
Sources (2)
All captured Oct 15, 2026
IntraFi Network (CDARS) Certificates of Deposit - West
Up to 4.15%APY · 4 terms
Certificates of Deposit for placement in IntraFi Network (CDARS). Fees may reduce earnings. Penalty may be imposed for early withdrawal. No brokered certificates of deposit or dealers.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months26 Week | 2.27% | $113 |
| 12 months52 Week | 4.15% | $415 |
| 24 months2 Year | 4.05% | $826 |
| 36 months3 Year | 3.51% | $1,090 |
Sources (1)
- hendersonstate.bank/rates · captured Oct 15, 2026
Special-purpose accounts
IRA - CD Account - East
Up to 4.25%APY · 3 terms
Choice of traditional or Roth for tax advantages. Minimum deposit to open account $10,000. Choose a CD term with **** below with accompanying APY. Daily balance method used to calculate interest. Penalty may be imposed for early withdrawal. No brokered certificates of deposit or dealers.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6 Month Special CD term available for IRA CD | 4.00% | $198 |
| 12 months12 Month Special term available for IRA CD | 4.25% | $425 |
| 24 months24 Month Special term available for IRA CD | 4.05% | $826 |
Sources (2)
All captured Oct 15, 2026
IRA CD Fixed Rate for Term Account - West
Up to 4.15%APY · 3 terms
Choice of traditional or Roth for tax advantages. Minimum deposit to open account $10,000.00. Choose a CD Term with **** below with accompanying APY. Daily balance method used to calculate interest. Penalty may be imposed for early withdrawal. No brokered certificates of deposit or dealers.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6 Month CD term available for IRA CD | 2.27% | $113 |
| 12 months12 Month CD term available for IRA CD | 4.15% | $415 |
| 24 months24 Month CD term available for IRA CD | 4.05% | $826 |
Sources (2)
All captured Oct 15, 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.