Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Lincoln, NE metro
- 4.46%APY$1,907 over 48 months on $10,000
Requirements
Product: *The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. The withdrawal of interest before maturity will reduce earnings and may reduce the APY. A penalty will be imposed for an early withdrawal. Visit a Cornhusker Bank location to open all additional CD terms.
Rate checked
More details - 4.40%APY$478 over 13 months on $10,000
Requirements
Product: Interest compounded and credited quarterly, except 30-day Mini Jumbo and 3-month Fixed which are compounded and credited at maturity.
Offer: Special promotional rate; open by November 12, 2026. Current as of October 9, 2026 per promotion footnote; schedule effective October 15, 2026.
4.33% interest rate · Effective Oct 15, 2026
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More details - 4.40%APY$899 over 24 months on $10,000intro rate
Requirements
Product: Current rates apply to new CDs and renewals at maturity only. APY is based on quarterly compounding. Early withdrawal penalty may reduce earnings.
Promotional rate · Effective Oct 13, 2026
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More details - 4.33%APY$1,118 over 30 months on $10,000
Requirements
Product: Serving employees and retirees of Lincoln Public Schools. Penalty for early withdrawal.
4.25% interest rate
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More details - 4.30%APY$1,834 over 48 months on $10,000
Requirements
Product: No setup or maintenance fees. CDs renew automatically upon maturity. Early withdrawals subject to penalty (3 months interest penalty on terms 12 months and under, 6 months interest penalty on terms more than 12 months).
4.23% interest rate · Effective Oct 20, 2026
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More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
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More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Lincoln and Omaha only. Penalty assessed for early withdrawal. Fees could reduce earnings.
Offer: Lincoln and Omaha only. Penalty assessed for early withdrawal. Fees could reduce earnings.
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More details - 4.20%APY$208 over 6 months on $10,000intro rate
Requirements
Product: Lincoln and Omaha only. Penalty assessed for early withdrawal. Fees could reduce earnings.
Offer: Lincoln and Omaha only. Penalty assessed for early withdrawal. Fees could reduce earnings.
Promotional rate
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More details - 4.16%APY$849 over 24 months on $10,000
Requirements
Offer: Interest cannot remain on deposit; payout of interest is mandatory. Early withdrawal penalty applies.
Effective Oct 5, 2026
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More details - Nebraska State Employees Credit UnionShare CertificatesCD · 15 months · $500 min
Credit union · 1 branch
4.11%APY$516 over 15 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Rates are subject to change.
4.03% interest rate · Effective Sep 1, 2026
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More details - 4.11%APY$516 over 15 months on $10,000intro rate
Requirements
Product: Annual Percentage Yield requires minimum balance of $500.00 to earn stated APYs and assumes interest and principal will remain on deposit until maturity. If the account is closed before interest is credited to your account, you may not receive the accrued interest. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Offer valid for a limited time.
Offer: Offer valid for a limited time
Promotional rate
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More details - Cobalt Credit UnionCertificateCD · 6 months · $1,000 min · 4.10%–4.20% by balance
Credit union · 1 branch
4.10%APY$203 over 6 months on $10,000with conditionsRequirements
Product: 7 day grace period upon maturity. Compounded quarterly. Minimum opening deposit $1,000. Early withdrawal penalty applies. Borrow against funds with certificate loan. Member Loyalty Rate provides 0.15% APY increase with qualifying checking direct deposit, loan/card, and good standing.
Offer: Member Loyalty APY. Requires active direct deposit totaling $500+/mo to Cobalt checking account, at least one Cobalt loan/line/HELOC/mortgage/credit card open at account opening, and all accounts in good standing.
Qualified rate · Compounded quarterly
Rate by balance
Rate by balance for Certificate Balance APY $1,000 – $100,000Your amount 4.10% $100,000 and up 4.20% Rate checked
More details - 4.10%APY$445 over 13 months on $10,000
- 4.10%APY$837 over 24 months on $10,000
Requirements
Product: Lincoln and Omaha only. Penalty assessed for early withdrawal. Fees could reduce earnings.
Offer: Lincoln and Omaha only. Penalty assessed for early withdrawal. Fees could reduce earnings.
Rate checked
More details - West Gate BankCertificates of DepositCD · 12 months · $1,000 min · 4.06%–4.34% by balance
Bank · 6 branches
4.06%APY$406 over 1 year on $10,000Requirements
Product: 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.
Offer: Balances below $250,000. Available to open online.
4.00% interest rate
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Up to $250,000Your amount 4.06% $250,000 and up 4.34%* Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Lincoln, NE metro
382 CDs at 29 banks and credit unions · checked Oct 16–22
- Typical
- 2.25%
- Top 10% from
- 4.11%
- Banks, typical
- 1.83%
- Credit unions, typical
- 2.95%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Lincoln, NE metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Cornhusker BankBank · 8 branches
- Cobalt Credit UnionCredit union · 1 branch
- Union Bank & TrustBank · 20 branches