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 16–30 results in Lincoln, NE metro
- 4.06%APY$828 over 24 months on $10,000
Requirements
Product: Public entities not eligible.
Offer: Interest cannot remain on deposit; payout of interest is mandatory. Penalty for early withdrawal. Public entities not eligible. Make additional deposits up to initial amount; withdraw funds without penalty up to four times after first week on deposit; increase rate one time during term.
Effective Oct 5, 2026
Rate checked
More details - 4.05%APY$614 over 18 months on $10,000
Requirements
Product: Minimum opening balance requirements of $500, $5,000 or $50,000, depending on term of deposit. No monthly service charges. Withdrawal of funds prior to maturity may be subject to penalty.
Offer: Penalty will or may be imposed for early withdrawal.
3.99% interest rate · Effective Aug 19, 2026
Rate checked
More details - 4.05%APY$826 over 24 months on $10,000
Requirements
Product: Minimum deposit of $500. Interest rates set weekly and calculated on a 365-day year. On 182-day and 9 to 60 month certificates, interest can be compounded quarterly or paid by check or direct deposit. Automatically renewable with a 10-day grace period after maturity. Early withdrawal penalty applies based on original maturity term.
Offer: 24 Month – Special
3.99% interest rate · Compounded quarterly · Effective Oct 14, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Fixed-rate account. Interest credited at maturity for terms under 7 months and quarterly for terms 9 months and more, or deposited into account if agreed at opening. Interest calculated using daily balance method. Automatically renews with a 10 calendar day grace period. Early withdrawal penalty: 1 month interest for terms of 1 year or less; 3 months interest for terms over 1 year.
Offer: Compound Frequency: Quarterly
3.94% interest rate · Effective Sep 28, 2026
Rate checked
More details - Liberty First Credit UnionCertificate of DepositCD · 13 months · $500 min · 4.00%–4.10% by balance
Credit union · 5 branches
4.00%APY$434 over 13 months on $10,000intro rateRequirements
Product: Available in terms from 3 to 60 months. Dividends credited monthly or at maturity and compound quarterly. Penalty may be imposed for early withdrawal. Rates apply to new CDs and renewals at maturity only.
Offer: Requires a qualifying Liberty+ Checking Account.
Promotional rate · 3.93% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 – $74,999Your amount 4.00% $75,000 and up 4.10% Rate checked
More details - 3.96%APY$2,143 over 60 months on $10,000
Requirements
Product: Must be 18 or older and a resident of Nebraska, Iowa, South Dakota or Kansas. Substantial penalty may be imposed for early withdrawal (except No Penalty certificate).
Offer: Compounded quarterly. Substantial penalty may be imposed for early withdrawal.
3.90% interest rate · Compounded quarterly · Effective Oct 4, 2026
Rate checked
More details - 3.90%APY$390 over 1 year on $10,000
Requirements
Product: Helps families set up savings for newest family members. Early withdrawal penalty applies. Compounded monthly.
Offer: Compounded monthly. Early withdrawal penalty applies.
3.83% interest rate · Compounded monthly
Rate checked
More details - 3.90%APY$490 over 15 months on $10,000
Requirements
Product: Offers a guaranteed annual percentage yield with the flexibility of penalty free withdrawals. Withdrawals made during the 6 days after opening or 6 days after each subsequent withdrawal will be assessed a penalty, which may reduce earnings. APY based on quarterly compounding.
Effective Oct 13, 2026
Rate checked
More details - 3.86%APY$191 over 6 months on $10,000
Requirements
Product: Fixed rate for the specified term. Penalty imposed for early withdrawal. Dividends paid and compounded monthly. Dividends may be added back to the certificate or deposited into share savings or checking account. Fees could reduce earnings.
Offer: Penalty for early withdrawal. Fixed rate.
3.80% interest rate · Compounded monthly · Effective Aug 13, 2025
Rate checked
More details - 3.76%APY$186 over 6 months on $10,000
Requirements
Product: Certificates require a minimum balance of $500.00 to open. Penalty may be imposed for early withdrawal. The Annual Percentage yield (APY) assumes interest remains on deposit until maturity. Minimum $25 savings account required.
Offer: Certificates require a minimum balance of $500.00 to open. Penalty may be imposed for early withdrawal. Minimum $25 savings account required.
Effective Oct 4, 2026
Rate checked
More details - MembersOwn Credit UnionShare CertificateCD · 12 months · $1,000 min · 1.50%–3.75% by balance
Credit union · 1 branch
3.75%APY$375 over 1 year on $10,000intro rateRequirements
Product: Share certificates have a $1,000 minimum balance (unless otherwise noted) and early withdrawal penalty. All dividends (interest) are earned and posted at the end of each calendar month.
Promotional rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and up 1.50% $5,000 and upYour amount12-month Share Certificate special ($5,000 minimum) 3.75% Rate checked
More details - 3.75%APY$375 over 1 year on $10,000intro rate
Requirements
Product: Special promotional rates require opening an account with new money (funds not currently on deposit with FNCU). Special promotional rate automatically renews at the standard rate in effect on maturity date.
Offer: Initial term promo rate. Requires opening an account with new money.
Promotional rate · 3.70% interest rate · Effective Jul 1, 2026
Rate checked
More details - 3.65%APY$211 over 7 months on $10,000intro rate
Requirements
Product: Limited-time special. Unlimited deposits accepted at any time in $1,000 minimum increments. One withdrawal per calendar month ($1,000 minimum) with no penalty (conditions apply). Penalty for early withdrawal. Automatically renews to a 7-month flex liquid CD / certificate at the current rate.
Offer: Interest compounded monthly. Deposits accepted at any time in increments of $1,000 minimum. One withdrawal per calendar month ($1,000 minimum) with no penalty.
Promotional rate · Compounded monthly · Balance cap $250,000 · Effective Apr 20, 2026
Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Consumer accounts only. Penalty for early withdrawal. Rates are subject to change without notice.
Offer: Special CD rate. Minimum to open waived for existing checking and savings account customers.
3.47% interest rate · Effective Jun 22, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% 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