Bank · FDIC insured
State Nebraska Bank & Trust CD Rates
State Nebraska Bank & Trust’s best CD rate is 4.00% APY on a 13-month CD. Terms run from 3 months to 10 years. Rates checked October 22, 2026.
How State Nebraska Bank & Trust’s CD rates compare
Compared with banks and credit unions in Nebraska, where State Nebraska Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
State Nebraska Bank & Trust
4.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $198
Community Banker Special
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
State Nebraska Bank & Trust CD score
83
CD score
Higher than 62% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo2.50%
- QualifiedQualified4.00%
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 State Nebraska Bank & Trust 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.
Bankers Dozen Special
4.00%APY · 1 term
Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 months | 4.00% | $434 |
Sources (1)
- statenebank.com/rates · captured Oct 5, 2026
Banking 4Ward Special
4.00%APY · 1 term
Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 120 months | 4.00% | $4,802 |
Sources (1)
- statenebank.com/rates · captured Oct 5, 2026
Certificate of Deposit
Up to 4.00%APY · 6 terms
Penalty for early withdrawal.
| Term | APY · $1,000 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | 1.00% | 1.00% | 1.25% | 1.25% | 1.00%1.00% $25k–$50k1.25% $50k–$100k1.25% from $100k | $25 |
| 6 months | 4.00% | 4.00% | 4.00% | 4.00% | 4.00%4.00% $25k–$50k4.00% $50k–$100k4.00% from $100k | $198 |
| 12 months | 2.00% | 2.00% | 2.00% | 2.00% | 2.00%2.00% $25k–$50k2.00% $50k–$100k2.00% from $100k | $200 |
| 24 months | 2.00% | 2.50% | 2.50% | 2.50% | 2.00%2.50% $25k–$50k2.50% $50k–$100k2.50% from $100k | $404 |
| 36 months | 2.00% | 2.50% | 2.50% | 2.50% | 2.00%2.50% $25k–$50k2.50% $50k–$100k2.50% from $100k | $612 |
| 60 months | 2.50% | 2.50% | 2.50% | 2.50% | 2.50%2.50% $25k–$50k2.50% $50k–$100k2.50% from $100k | $1,314 |
Sources (2)
All captured Oct 5, 2026
Community Banker Special
4.00%APY · 1 term
Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
Sources (1)
- statenebank.com/rates · captured Oct 5, 2026
Special-purpose accounts
IRA - Certificates of Deposit
Up to 3.75%APY · 6 terms
Penalty for early withdrawal. Rate may change after account is opened and fees could reduce earnings.
| Term | APY · $250 – $10,000 | APY · $10,000 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | 1.00% | 1.00% | 1.25% | 1.25% | 1.00%1.00% $250–$10k1.25% $25k–$50k1.25% from $50k | $25 |
| 6 months | 3.75% | 3.75% | 3.75% | 3.75% | 3.75%3.75% $250–$10k3.75% $25k–$50k3.75% from $50k | $186 |
| 12 months | 2.00% | 2.00% | 2.00% | 2.00% | 2.00%2.00% $250–$10k2.00% $25k–$50k2.00% from $50k | $200 |
| 24 months | 2.00% | 2.00% | 2.50% | 2.50% | 2.00%2.00% $250–$10k2.50% $25k–$50k2.50% from $50k | $404 |
| 36 months | 2.00% | 2.00% | 2.50% | 2.50% | 2.00%2.00% $250–$10k2.50% $25k–$50k2.50% from $50k | $612 |
| 60 months | 2.25% | 2.25% | 2.50% | 2.50% | 2.25%2.25% $250–$10k2.50% $25k–$50k2.50% from $50k | $1,177 |
Sources (2)
All captured Oct 5, 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.