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 Omaha, NE-IA metro
- 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.
Rate checked
More details - 4.25%APY$534 over 15 months on $10,000intro rate
Requirements
Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.
Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.
Promotional rate · 4.24% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
Rate checked
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
Rate checked
More details - 4.20%APY$820 over 23 months on $10,000intro rate
Requirements
Product: A penalty may be imposed for early withdrawal. Rates are good through 10/27/2026.
Offer: 23 Mo Spcl. Daily balance minimum to obtain APY. Early withdrawal penalty may apply.
Promotional rate · 4.13% interest rate · Effective Oct 27, 2026
Rate checked
More details - Community 1st Credit Union13-Month Certificate Account SpecialCD · 13 months · $1,000 min
Credit union · 1 branch
4.15%APY$450 over 13 months on $10,000intro rateRequirements
Product: Limited-time offer. A penalty may be imposed for early withdrawal. Subject to change and may end at any time without notice.
Offer: Limited-time special celebrating 90 years of C1st. Early withdrawal penalty may apply.
Promotional rate · 4.09% interest rate · Effective Sep 14, 2026
Rate checked
More details - 4.15%APY$521 over 15 months on $10,000
Requirements
Product: Interest compounded quarterly. Automatic CD renewal. Substantial penalty will be imposed for early withdrawal of certificate of deposits.
Offer: Substantial penalty will be imposed for early withdrawal of certificate of deposits.
4.09% interest rate · Compounded quarterly · Effective Sep 28, 2026
Rate checked
More details - Cobalt Credit UnionCertificateCD · 6 months · $1,000 min · 4.10%–4.20% by balance
Credit union · 17 branches
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$410 over 1 year on $10,000intro rate
Requirements
Product: Special Program terms and restrictions apply.
Offer: Special Program terms and restrictions apply.
Promotional rate · Effective Jul 1, 2026
Rate checked
More details - 4.10%APY$445 over 13 months on $10,000
Requirements
Product: Penalty for early withdrawal.
Offer: Deposit amount < $100,000. Penalty for early withdrawal.
4.10% interest rate · Effective Sep 18, 2026
Rate by balance
Rate by balance for Special CDs Balance APY Up to $100,000Your amount 4.10% $100,000 and upDeposit amount => $100,000. 4.35% Rate checked
More details - 4.10%APY$550 over 16 months on $10,000
Requirements
Product: Rates are fixed for the term of the account and subject to change daily. Penalty for early withdrawal. Insured by NCUA up to $250,000.
Offer: Rates, terms and accounts are for members only. Dividends are compounded and paid last calendar day of month and on maturity.
4.03% interest rate
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 1 branch
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - 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 · 4 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 - 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
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 Omaha, NE-IA metro
748 CDs at 62 banks and credit unions · checked Oct 16–22
- Typical
- 2.75%
- Top 10% from
- 4.10%
- Banks, typical
- 2.48%
- Credit unions, typical
- 3.00%
Is your bank paying you enough?
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Omaha, NE-IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Cornhusker BankBank · 1 branch
- PenFed Credit UnionCredit union · 3 branches
- Metro Credit UnionCredit union · 5 branches