FNBO Direct

P.O. Box 3707
NE 68103-0707

Deposit Rates APY Vs.Others
Savings 4.25% 5.50% →
1-Year CD N.A. 4.80% →
2-Year CD N.A. 4.25% →
3-Year CD N.A. 4.05% →
4-Year CD N.A. 3.90% →
5-Year CD N.A. 4.00% →

Deposit Rates - November 4, 2024

Online Savings and Money Market Rates
Online Savings and Money Market Rates APY MIN MAX
Online Savings Account
4.25% $1 - Learn More
Money Market
Online Money Market
4.70% $1,000,000 - Learn More
Money Market
Online Money Market
4.65% $500,000 999,999 Learn More
Money Market
Online Money Market
4.50% $100,000 499,999 Learn More
Money Market
Online Money Market
4.30% $0 24,999 Learn More



Climate Policy and Initiatives

Parent Bank Initiatives:

We are committed to achieving our 2035 sustainability goals. We will strive to make a positive impact on the environment by 2035 by:

  • Making $250 Million in energy-efficient investments including financing green energy and making operational improvements that decrease FNBO's carbon footprint.
  • Achieving Net Zero Scope 1 and Scope 2 GHG Emissions by continuing to make energy-efficient improvements to our corporate offices and retail branches that reduce energy consumption. Examples include automated building systems, solar panels, mechanical system upgrades and LED lighting upgrades.
  • Reducing Water Consumption by 20% by implementing water-saving technologies such as smart irrigation systems.
  • Realizing a 90% Water Diversion Rate in corporate buildings and retail branches by implementing more robust recycling and composting programs.

Updated April 2, 2024

FNBO Direct Climate Score: B

FNBO Direct Climate Score Info: FNBO has clear climate mitigation goals and does not appear to be a lender to carbon-producing industries.



Customer Reviews for FNBO Direct (5)


  • March 14, 2018 | | Replies 1

    Online Savings Rates

    Poor service. Condescending attitude.
    Savings application denied without giving reason (Equifax file had a freeze because of hacking history) and not advising customer of need to unfreeze credit file for application verification).

    Chandra | Mar 14, 2018

    I had a similar experience. My application did not get processed when I applied for my FNBO direct account. First site said someone will contact me by phone or email. Then, I received an email asking me to complete my application process, but when I logged in, there was nothing for me to complete. I called customer service, they said they have to review it by hand, it will take 48 hrs to see what is missing. 48 hrs passed - no email or phone call. I called customer service back talked to the manager, who said he would send the document again to the department that process this application. I was told I need to fax or mail address proof, I faxed address proof. They cannot even confirm if they received my fax yet, let alone the status of the application. Horrible service. Stay away from this bank. I am regretting for even applying here.

  • February 26, 2018 |

    Online Savings Rates

    This is a very poorly run online bank. I have followed the area and the bank for years and ordinarily this one is not rate competitive. They may have recently raised to 1.60%, but when rates are 2% in 3 months, they will still be at 1.60%. Consider that. Consider the hard credit pull. Then move along.

  • January 14, 2018 |

    Online Savings Rates

    Did a hard credit pull a rejected me. Choose a different bank from this list.

  • May 2, 2016

    Online Savings Rates

    All I can say is that these guys rejected me for a savings account. They rejected me for a savings account?1?


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