Bank · FDIC insured
Western Nebraska Bank Savings Rates
Top CarrotWestern Nebraska Bank’s best savings rate is 1.31% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Western Nebraska Bank’s savings rates compare
Compared with banks and credit unions near North Platte, NE, where Western Nebraska Bank has the most branches. $10,000, best rate first.
This bank’s best
Western Nebraska Bank
1.31%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $131
Money Market Account
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
Western Nebraska Bank savings score
88
Savings score
Higher than 80% of U.S. banks and credit unions
- $1,000 balance$1,0001.31%
- $10,000 balance$10,0001.31%
- $100,000 balance$100,0001.51%
- QualifiedQualified1.31%
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 Western Nebraska 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.
Money Market Account
1.31%APY
Limited to six pre-authorized debits per monthly statement cycle; debits must be in amounts no less than $500. $10 monthly service charge applies if minimum balance falls below $1,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Applies to balances under $50,000. $10 monthly service charge waived if balance remains at or above $1,000. | 1.31% | $131 | Applies to balances under $50,000. $10 monthly service charge waived if balance remains at or above $1,000. |
| $50,000 – $100,000Applies to balances $50,000 – $100,000. $10 monthly service charge waived if balance remains at or above $1,000. | 1.41% | — | Applies to balances $50,000 – $100,000. $10 monthly service charge waived if balance remains at or above $1,000. |
| $100,000 – $200,000Applies to balances $100,000 – $200,000. $10 monthly service charge waived if balance remains at or above $1,000. | 1.51% | — | Applies to balances $100,000 – $200,000. $10 monthly service charge waived if balance remains at or above $1,000. |
| $200,000 and upApplies to balances over $200,000. $10 monthly service charge waived if balance remains at or above $1,000. | 1.61% | — | Applies to balances over $200,000. $10 monthly service charge waived if balance remains at or above $1,000. |
Sources (2)
All captured Sep 24, 2026
Passbook Savings (Personal Savings Account)
0.50%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMaintain minimum daily available balance of $25 to avoid monthly service charge. Minimum balance to open is $25. Preauthorized debits limited to six per month.Any balance | 0.50% | $50 | Maintain minimum daily available balance of $25 to avoid monthly service charge. Minimum balance to open is $25. Preauthorized debits limited to six per month. |
Sources (2)
All captured Sep 24, 2026
Special-purpose accounts
Education Savings Account
3.02%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 3.02% | $302 |
Sources (1)
- westernnebraskabank.com/interest-rates · captured Sep 24, 2026
Individual Retirement Accounts
3.02%APY
Start with as little as $100 (or $25 min to open stated in rate schedule). Choose between Roth IRA or Traditional IRA.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 3.02% | $302 |
Sources (2)
All captured Sep 24, 2026
Health Savings Account
1.00%APY
Must maintain a minimum daily available balance of $500 during the statement cycle to avoid a $3.00 monthly service charge. Used in combination with high deductible health plans (HDHP).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA $3.00 monthly service charge assessed if daily available balance falls below $500 during the statement cycle.Any balance | 1.00% | $100 | A $3.00 monthly service charge assessed if daily available balance falls below $500 during the statement cycle. |
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.