Compare Bank & Credit Union Rates
Best savings rates in Omaha, NE
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Omaha, NE
- UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 1 branch
3.71%APY$371 a year on $10,000Requirements
Product: Interest rates and annual percentage yields (APYs) listed are for accounts opened online. Interest paid on tiered balances; debit card access; monthly service fee waiver option.
Offer: Tier I
0.10% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for UMB Retail Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier II 3.71% $25,000 – $50,000Tier III 3.71% $50,000 – $75,000Tier IV 3.71% $75,000 – $100,000Tier V 3.71% $100,000 – $1,000,000Tier VI 3.71% $1,000,000 and upTier VII 3.71% Rate checked
More details - 3.46%APY$346 a year on $10,000
Requirements
Product: Variable rate account where interest is credited and compounded quarterly. Requires an average daily balance of $100 each quarterly cycle to avoid a $6 service charge. Includes 9 free account debits per quarterly statement cycle ($0.30 fee for each additional debit).
Offer: Maintain an average daily balance of $100 each quarterly cycle to avoid a $6 service charge. Nine free debits per quarterly cycle ($0.30 per debit thereafter).
Compounded quarterly
Rate checked
More details - Associated BankAssociated Select Money MarketAssociated Select Money Market · $1,000 min
Bank · 9 branches
3.20%APY$320 a year on $10,000with conditionsRequirements
Product: Features tiered interest rates and enhanced rate tiers when combined with qualifying Associated Choice Checking relationship tiers (Platinum Choice, Emerald Choice, Emerald Private Choice). Monthly maintenance fee of $16 is waived with a minimum daily balance of $1,000.
Offer: Emerald Private Choice enhanced rate tier. Requires meeting and maintaining Emerald Private Choice benefit tier qualifications on an Associated Choice Checking account. $16 monthly maintenance fee waived with a minimum daily balance of $1,000.
Qualified rate · 3.15% interest rate · $16 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 3.15%APY$315 a year on $10,000with conditions
Requirements
Product: Tiered based on if Total ACCESS requirements are met.
Offer: if requirements are met (Tier 1).
Qualified rate · 3.11% interest rate
Rate by balance
Rate by balance for Total ACCESS Balance APY Up to $25,000Your amount 3.15% $25,000 and upif requirements are met (Tier 2). 0.25% Rate checked
More details - Cobalt Credit UnionOnline Prime SavingsSavings · $0 min · 0.00%–2.90% by balance
Credit union · 8 branches
2.90%APY$290 a year on $10,000Requirements
Product: Variable-rate account opened online. Rate tracks the Wall Street Journal Prime Rate minus 4.10% with a minimum floor rate of 0.30%. Enrolled in digital banking with eStatements. Maximum of six withdrawals allowed per month.
Offer: Account balances below $1,000 do not earn APY and will be assessed a $10 monthly service fee.
0.00% interest rate · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Online Prime Savings Balance APY Up to $1,000 0.00% $1,000 and upYour amountDividend rate and APY based on WSJ Prime Rate minus 4.10% with a 0.30% floor rate. 2.90% Rate checked
More details - 2.70%APY$270 a year on $10,000
Requirements
Product: Must become a member of PenFed Credit Union. Account holders must agree to electronic delivery of account opening disclosures and monthly statements.
2.67% interest rate · No monthly fee · Effective Oct 9, 2026
Rate checked
More details - 2.65%APY$265 a year on $10,000
Requirements
Product: Variable-rate account opened online. Rate tracks the Wall Street Journal Prime Rate minus 4.10% with a minimum floor rate of 0.30%. Enrolled in digital banking with eStatements. Maximum of six withdrawals allowed per month.
Offer: Rate current as of 10/14/2026 on Prime Online Savings page. In order to earn disclosed APY, must maintain average daily balance at least equal to $1,000 and enroll in digital banking with eStatements.
Effective Oct 14, 2026
Rate checked
More details - 2.50%APY$250 a year on $10,000with conditions
Requirements
Product: Requires a High Yield Checking or Cash Back Checking account. Limited to 1 Saver account per Primary Account Holder (SSN). Qualifications: monthly Direct Deposit/ACH credit, minimum of 12 debit card purchases, and enrollment in eStatements in the linked checking account.
Offer: Qualified balance tier $0-$99,999.99 when account qualifications are met during Monthly Qualification Cycle.
Qualified rate · 2.47% interest rate · No monthly fee · Effective Jul 1, 2026
Rate by balance
Rate by balance for Saver Balance APY Up to $100,000Your amount 2.50% $100,000 and up 0.25%* Rate checked
More details - First Nebraska Credit UnionAdvantage Plus Money MarketAdvantage Plus Money Market · $2,500 min · 2.00%–2.60% by balance
Credit union · 2 branches
2.20%APY$220 a year on $10,000with conditionsRequirements
Product: Requires Secure or Premier Checking account relationship. Minimum balance requirement to earn dividends and avoid service charges is $2,500.
Qualified rate · 1.99% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Advantage Plus Money Market Balance APY $2,500 – $9,999 2.00% $10,000 – $24,999Your amount 2.20% $25,000 – $100,000 2.40% $100,000 and up 2.60% Rate checked
More details - Liberty First Credit UnionKasasa SaverSavings · $5 min · 0.05%–2.00% by balance
Credit union · 1 branch
2.00%APY$200 a year on $10,000with conditionsRequirements
Product: Requires linked Kasasa Cash checking account. APY based on Average Daily Balance method. Qualifications per cycle in Kasasa Cash: at least 12 debit card purchases post and settle, enrolled and log into Online Access, enrolled and receive eStatements, and at least 1 net direct deposit post and settle. Limit one account per SSN. Automatic transfers of Kasasa Cash rewards into Kasasa Saver. No monthly service fee.
Offer: All balances if account qualifications are not met. Entire daily balance earns 0.05% APY.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Sep 17, 2026
Rate by balance
Rate by balance for Kasasa Saver Balance APY Any balance 0.05% Over $0Your amountWhen linked Kasasa Cash qualifications are met during Monthly Qualification Cycle. 2.00% Rate checked
More details - Liberty First Credit UnionLiberty+ SavingsSavings · $5 min · 0.05%–2.00% by balance
Credit union · 1 branch
2.00%APY$200 a year on $10,000with conditionsRequirements
Product: Requires linked Liberty+ checking account. APY based on Average Daily Balance method. Limit one account per household. Qualifications met via linked Liberty+ checking account credit card usage (Platinum, Gold, or Silver tiers). Non-compounding dividends credited on first processing/business day of following statement cycle.
Offer: All balances if account qualifications are not met. Entire daily balance earns 0.05% APY.
Qualified rate · 0.05% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for Liberty+ Savings Balance APY Any balance 0.05% Over $0Your amountWhen linked Liberty+ checking account qualifications are met during Monthly Qualification Cycle. 2.00% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Links to free Kasasa Cash or Kasasa Cash Back checking account. Consumer accounts only.
Offer: Qualifications not met in linked Kasasa Cash or Kasasa Cash Back during Monthly Qualification Cycle.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for Kasasa Saver Balance APY Any balance 0.05% Up to $100,000Your amountQualifying requirements met in linked Kasasa Cash or Kasasa Cash Back: at least 12 debit card purchases, enrolled in and agree to receive eStatements, enrolled in and log into online/mobile banking during Monthly Qualification Cycle. 2.00% Over $100,000Qualifying requirements met in linked Kasasa Cash or Kasasa Cash Back: at least 12 debit card purchases, enrolled in and agree to receive eStatements, enrolled in and log into online/mobile banking during Monthly Qualification Cycle. 1.00% Rate checked
More details - 2.00%APY$200 a year on $10,000
Requirements
Product: Account must receive eStatements. Rate when requirements are not met is 0.01%. No monthly service charge, no minimum balance.
Offer: Must be enrolled in eStatements and have a $100 minimum deposit; rate is 0.01% if requirements not met.
1.98% interest rate · No monthly fee · Effective May 13, 2025
Rate checked
More details - Mutual 1st FederalKasasa Saver AccountSavings · $5 min · 0.30%–2.00% by balance
Credit union · 2 branches
2.00%APY$200 a year on $10,000with conditionsRequirements
Product: Requires a linked Kasasa Cash or Kasasa Cash Back checking account. Limit 1 account per social security number. $5.00 minimum deposit required to open. Monthly direct deposit/ACH credit and enrollment in electronic statements required on linked checking account to qualify for rewards.
Offer: Earned on balances up to $15,000.00 when qualifications are met on linked Kasasa Cash or Kasasa Cash Back account during Monthly Qualification Cycle.
Qualified rate · 1.98% interest rate · No monthly fee · Effective Jan 1, 2026
Rate by balance
Rate by balance for Kasasa Saver Account Balance APY Up to $15,000Your amount 2.00% $15,000 and up 0.30%* Rate checked
More details - Lincoln Federal Savings BankPremier SavingsSavings · $50 min · 2.00%–3.50% by balance
Bank · 1 branch
2.00%APY$200 a year on $10,000Requirements
Product: Minimum balance to open is $50.00; minimum balance to maintain and earn interest is $0.01. APY is calculated on the entire daily balance. Lincoln Federal Savings Bank generally does not accept deposits from sources outside its immediate trade areas.
Offer: APY is based and calculated on the entire daily balance of the account.
1.98% interest rate · No monthly fee · Effective Jul 6, 2026
Rate by balance
Rate by balance for Premier Savings Balance APY Up to $10,000Your amount 2.00% $10,000 – $25,000 2.50% $25,000 – $100,000 3.00% Over $100,000 3.50% 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 savings accounts pay in Omaha, NE
130 accounts at 50 banks and credit unions · checked Oct 16–22
- Typical
- 0.28%
- Top 10% from
- 2.00%
- Banks, typical
- 0.50%
- Credit unions, typical
- 0.15%
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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