Bank · FDIC insured
State Nebraska Bank & Trust Savings Rates
State Nebraska Bank & Trust’s best savings rate is 1.25% APY on $10,000, with its Money Market Savings. Rates checked October 22, 2026.
How State Nebraska Bank & Trust’s savings 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
1.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $125
Personal 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
State Nebraska Bank & Trust savings score
87
Savings score
Higher than 79% of U.S. banks and credit unions
- $1,000 balance$1,0001.25%
- $10,000 balance$10,0001.25%
- $100,000 balance$100,0001.75%
- QualifiedQualified1.25%
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 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.
Money Market Savings
1.25%APY
Rate may change after account is opened and fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Rate may change after account is opened and fees could reduce earnings. | 1.25% | $125 | Rate may change after account is opened and fees could reduce earnings. |
| $25,000 and upRate may change after account is opened and fees could reduce earnings. | 1.50% | — | Rate may change after account is opened and fees could reduce earnings. |
| $50,000 and upRate may change after account is opened and fees could reduce earnings. | 1.50% | — | Rate may change after account is opened and fees could reduce earnings. |
| $100,000 and upRate may change after account is opened and fees could reduce earnings. | 1.75% | — | Rate may change after account is opened and fees could reduce earnings. |
Sources (1)
- statenebank.com/rates · captured Sep 18, 2026
Personal Regular Savings
1.25%APY
Rate may change after account is opened and fees could reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0$1 per month if balance drops below $100. 4 free withdrawals each month; $1 each withdrawal over 4.Over $0 | 1.25% | $125 | $1 per month if balance drops below $100. 4 free withdrawals each month; $1 each withdrawal over 4. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Money Market Savings
1.00%APY
Rate may change after account is opened and fees could reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upRate may change after account is opened and fees could reduce earnings.$25 and up | 1.00% | $100 | Rate may change after account is opened and fees could reduce earnings. |
Sources (1)
- statenebank.com/rates · captured Sep 18, 2026
Variable Rates Savings (TDOA) 18 Month Term
1.00%APY · 1 term
IRA savings account. Rate may change after account is opened and fees could reduce earnings. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsPenalty for early withdrawal | 1.00% | $150 |
Sources (1)
- statenebank.com/rates · captured Sep 18, 2026
Health Savings Account
0.50%APY
Must be established in conjunction with a high-deductible health plan. Rate may change after account is opened and fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.50% | $50 |
Sources (2)
All 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.