Bank · FDIC insured
West Gate Bank CD Rates
West Gate Bank’s best CD rate is 4.34% APY on a 1-year CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How West Gate Bank’s CD rates compare
Compared with banks and credit unions near Lincoln, NE, where West Gate Bank has the most branches. $10,000, best rate first.
This bank’s best
West Gate Bank
4.06%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $406
Certificates of Deposit
Top rate
Cornhusker Bank
4.46%APY
- Term
- 48 months
- Minimum
- $1,000
- Earns on $10,000
- $1,907
2nd-highest rate
Associated Bank
4.40%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $478
West Gate Bank CD score
85
CD score
Higher than 69% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo3.55%
- 31–60 months31–60 mo3.03%
- QualifiedQualified4.06%
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 West Gate Bank 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.
Certificates of Deposit
Up to 4.06%APY · 7 terms
Rates disclosed are for customers of West Gate Bank with CD balances below $250,000. Add 0.25% to interest rate for balances at or over $250,000.00. Fixed rate. Additional deposits are not permitted. CDs automatically renew with a 10-day grace period. Early withdrawal penalty is 12 months interest.
| Term | APY · Up to $250,000 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsAdd 0.25% to interest rate for balances at or over $250,000.00. Available to open online | — | 4.08% | —4.08% from $250k | — |
| 6 monthsBalances below $250,000. Available to open online | 3.80% | — | 3.80% | $188 |
| 12 monthsAdd 0.25% to interest rate for balances at or over $250,000.00. Available to open online | — | 4.34% | —4.34% from $250k | — |
| 12 monthsBalances below $250,000. Available to open online | 4.06% | — | 4.06% | $406 |
| 18 monthsAdd 0.25% to interest rate for balances at or over $250,000.00. Opened at branch | — | 3.82% | —3.82% from $250k | — |
| 18 monthsBalances below $250,000. Opened at branch | 3.55% | — | 3.55% | $537 |
| 24 monthsAdd 0.25% to interest rate for balances at or over $250,000.00. Available to open online | — | 3.30% | —3.30% from $250k | — |
| 24 monthsBalances below $250,000. Available to open online | 3.03% | — | 3.03% | $615 |
| 36 monthsAdd 0.25% to interest rate for balances at or over $250,000.00. Opened at branch | — | 3.30% | —3.30% from $250k | — |
| 36 monthsBalances below $250,000. Opened at branch | 3.03% | — | 3.03% | $937 |
| 48 monthsAdd 0.25% to interest rate for balances at or over $250,000.00. Opened at branch | — | 3.30% | —3.30% from $250k | — |
| 48 monthsBalances below $250,000. Opened at branch | 3.03% | — | 3.03% | $1,268 |
| 60 monthsAdd 0.25% to interest rate for balances at or over $250,000.00. Opened at branch | — | 3.30% | —3.30% from $250k | — |
| 60 monthsBalances below $250,000. Opened at branch | 3.03% | — | 3.03% | $1,610 |
Sources (2)
- westgate.bank/personal/spend-a…tificates-of-deposit-cds
- westgate.bank/personal/spend-a…ve/deposit-account-rates
All captured Oct 5, 2026
Special-purpose accounts
No Term IRA
3.80%APY
No Term IRA requires a minimum opening balance of $10.00. Balance tier addition of 0.25% at or over $250,000 is excluded for No Term IRA. Opened at branch.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo Term IRA. Excluded from $250,000+ rate addition. Opened at branch.Any balance | 3.80% | $380 | No Term IRA. Excluded from $250,000+ rate addition. Opened at branch. |
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.