Bank · FDIC insured
Nebraska State Bank & Trust Company Savings Rates
Nebraska State Bank & Trust Company’s best savings rate is 0.45% APY on $10,000, with its Regular Savings. Rates checked October 22, 2026.
How Nebraska State Bank & Trust Company’s savings rates compare
Compared with banks and credit unions in Nebraska, where Nebraska State Bank & Trust Company has the most branches. $10,000, best rate first.
This bank’s best
Nebraska State Bank & Trust Company
0.45%APY
- Requires
- None
- Minimum
- $200
- Earns on $10,000 a year
- $45
Regular Savings
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Flatwater Bank
3.60%APY
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000 a year
- $360
Nebraska State Bank & Trust Company savings score
77
Savings score
Higher than 44% of U.S. banks and credit unions
- $1,000 balance$1,0000.45%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0000.45%
- QualifiedQualified0.45%
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 Nebraska State Bank & Trust Company 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.
Regular Savings
0.45%APY
No minimum balance for anyone under age 24. $3 monthly service charge if balance falls below $200 any day of the cycle, avoided by maintaining a $200 daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upMaintain $200 daily balance to avoid $3 monthly service charge; minimum balance to earn interest is $10.$10 and up | 0.45% | $45 | Maintain $200 daily balance to avoid $3 monthly service charge; minimum balance to earn interest is $10. |
Money Market
0.40%APY
Maintain a $1,000 minimum balance to avoid the $5 monthly service charge and earn interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upMonthly service charge of $5 if balance falls below $1,000 on any day of the cycle; waived by maintaining a $1,000 minimum balance. Minimum balance to earn interest is $1,000.$1,000 and up | 0.40% | $40 | Monthly service charge of $5 if balance falls below $1,000 on any day of the cycle; waived by maintaining a $1,000 minimum balance. Minimum balance to earn interest is $1,000. |
Prestige Interest
0.40%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,500Tiered balances; rates vary by daily principal balance. | 0.35% | — | Tiered balances; rates vary by daily principal balance. |
| $1,500 and upTiered balances; rates vary by daily principal balance. | 0.40% | $40 | Tiered balances; rates vary by daily principal balance. |
Sources (1)
- nesb.bank/rates · captured Oct 15, 2026
50+ Value/Direct Interest
0.35%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.35% | $35 |
Sources (1)
- nesb.bank/rates · captured Oct 15, 2026
Special-purpose accounts
IRA Accounts
2.00%APY
A penalty may be imposed for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarly withdrawal penalty may apply.Any balance | 2.00% | $200 | Early withdrawal penalty may apply. |
Sources (1)
- nesb.bank/rates · captured Oct 15, 2026
Christmas Club
1.50%APY
Set money aside year-round for holiday spending with automatic transfers and a payout in October. No transfers made out of account to avoid service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum balance to earn interest is $0. Payout occurs in October.Any balance | 1.50% | $150 | Minimum balance to earn interest is $0. Payout occurs in October. |
Health Savings Account
0.75%APY
Must be covered by a high-deductible health plan (HDHP), have no other health coverage, not be enrolled in Medicare, and not be claimed as a dependent on someone else's tax return. Zero service charges or transaction fees; no minimum balance required to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Applies to daily principal balances <$1,000. | 0.45% | — | Applies to daily principal balances <$1,000. |
| $1,000 – $5,000Applies to daily principal balances $1,000-$4,999.99. | 0.55% | — | Applies to daily principal balances $1,000-$4,999.99. |
| $5,000 and upApplies to daily principal balances $5,000+. | 0.75% | $75 | Applies to daily principal balances $5,000+. |
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.