Bank · FDIC insured
Sandhills State Bank Savings Rates
Sandhills State Bank’s best savings rate is 0.40% APY on $10,000, with its Niobrara Savings. Rates checked October 22, 2026.
How Sandhills State Bank’s savings rates compare
Compared with banks and credit unions near North Platte, NE, where Sandhills State Bank has the most branches. $10,000, best rate first.
This bank’s best
Sandhills State Bank
0.40%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $40
Niobrara Savings
Top rate
Flatwater Bank
3.60%APY
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000 a year
- $360
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
Sandhills State Bank savings score
76
Savings score
Higher than 41% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.40%
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 Sandhills State 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.
Save the Change Savings Program
5.10%APY
Requires a Sandhills State Bank Checking Account with a Debit Card. Debit card purchases are rounded up (or stacked by $1-$9) and transferred to the savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upNo service charge.$1 and up | 5.10% | $510 | No service charge. |
Niobrara Savings
0.40%APY
Variable rate. May change after account is opened. $5 service charge if balance falls below $2,500 on any day of the quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upVariable rate; $5 service charge if balance falls below $2,500 on any day of the quarter.$2,500 and up | 0.40% | $40 | Variable rate; $5 service charge if balance falls below $2,500 on any day of the quarter. |
Sources (1)
- sandhills.bank/savings · captured Sep 18, 2026
Platte Savings
0.35%APY
Variable rate. May change after account is opened. $5 service charge if balance falls below $100 on any day of the quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upVariable rate; $5 service charge if balance falls below $100 on any day of the quarter.$100 and up | 0.35% | $35 | Variable rate; $5 service charge if balance falls below $100 on any day of the quarter. |
Sources (1)
- sandhills.bank/savings · captured Sep 18, 2026
Special-purpose accounts
Health Savings Account (HSA)
0.50%APY
Used in conjunction with a high-deductible health insurance plan.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$3 service charge if balance falls below $500 on any day of the month.$100 and up | 0.50% | $50 | $3 service charge if balance falls below $500 on any day of the month. |
Sources (1)
- sandhills.bank/savings · captured Sep 18, 2026
Mutton Buster Savings
0.35%APY
For children learning the value of saving money. Variable rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upVariable rate; No service charge.$1 and up | 0.35% | $35 | Variable rate; No service charge. |
Sources (1)
- sandhills.bank/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.