Best 5-Year CD Rates in Nebraska, NE

You are viewing rates from banks across Nebraska

Below are 5-year CD Rates from banks that are located in Nebraska. Five-Year Certificates of Deposit (CD) are generally the longest term CD that most banks will offer. They tend to offer the highest rates but require the longest commitment. Five year CDs are especially popular in a declining interest rate environment as depositors can lock money in at the highest rate possible for the longest period of time. They are also popular with depositors who are willing to lock up money for five years in return for extra yield.

NE - November 21, 2024

5 Year CD National Average : 0.92% ^?

Banks	APY	MIN	MILES ^?
Seattle Bank	3.75%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.55% → 4.50% → 4.15% → 4.00% → 3.75%
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
GSL Savings Bank	3.61%	$500	-	Learn More
Rate History: 1.27% → 1.53% → 3.08% → 2.82% → 3.61%
john \| Apr 29, 2020 I called this banl there is no this rate Read More Reviews (1)
Capital One, National Association	3.50%	$0	-	Learn More
Rate History: 4.00% → 3.90% → 3.75% → 3.50%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
Ivy Bank, a division of Cambridge Savings Bank	3.25%	$0	-	Learn More Add Review
Rate History: 2.60% → 3.25%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More
Citizens	3.00%	$5,000	-	Learn More
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Gateway First Bank	2.90%	$500	-	Learn More
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
USAA Federal Savings Bank	2.50%	$1,000	-	Learn More
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
Citibank, National Association	2.00%	$0	-	Learn More
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
JPMorgan Chase Bank, National Association	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Citizens State Bank	1.61%	$10,000	-	Learn More Add Review
Henderson State Bank	1.60%	$10,000	-	Learn More Add Review
Bank of the Valley	1.51%	$10,000	-	Learn More Add Review
Dundee Bank	1.45%	$500	-	Learn More Add Review
Flatwater Bank	1.40%	$500	-	Learn More Add Review
Elkhorn Valley Bank & Trust	1.40%	$10,000	-	Learn More Add Review
Security Bank	1.37%	$10,000	-	Learn More Add Review
Homestead Bank	1.31%	$100,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Foundation One Bank	1.31%	$10,000	-	Learn More Add Review
Brunswick State Bank	1.30%	$1,000	-	Learn More Add Review
Western Nebraska Bank	1.26%	$10,000	-	Learn More Add Review
Astra Bank	1.26%	$500	-	Learn More Add Review
Columbus Bank and Trust Company	1.26%	$100,000	-	Learn More Add Review
Homestead Bank	1.26%	$10,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Cedar Rapids State Bank	1.25%	$1,000	-	Learn More Add Review
Farmers State Bank	1.25%	$10,000	-	Learn More Add Review
Bank of Orchard	1.25%	$100,000	-	Learn More Add Review
Madison County Bank	1.25%	$10,000	-	Learn More Add Review
State Nebraska Bank & Trust	1.25%	$10,000	-	Learn More Add Review
Bank of Prague	1.25%	$10,000	-	Learn More Add Review
Pinnacle Bank	1.21%	$10,000	-	Learn More Add Review
Homestead Bank	1.21%	$10,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Tri Valley Bank	1.21%	$10,000	-	Learn More Add Review
Citizens Bank & Trust Company	1.20%	$1,000	-	Learn More Add Review
Lincoln FSB of Nebraska	1.20%	$10,000	-	Learn More Add Review
Community First Bank	1.17%	$10,000	-	Learn More Add Review
Cedar Security Bank	1.16%	$1,000	-	Learn More Add Review
Pinnacle Bank	1.15%	$10,000	-	Learn More Add Review
First Westroads Bank, Inc.	1.15%	$10,000	-	Learn More Add Review
South Central State Bank	1.11%	$10,000	-	Learn More Add Review
Genoa Community Bank	1.10%	$500	-	Learn More Add Review
Security First Bank	1.10%	$10,000	-	Learn More Add Review
Bank of Bennington	1.10%	$10,000	-	Learn More Add Review
United Republic Bank	1.10%	$10,000	-	Learn More Add Review
Exchange Bank	1.10%	$10,000	-	Learn More Add Review
Homestead Bank	1.10%	$100,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Cattle Bank and Trust	1.10%	$10,000	-	Learn More Add Review
Adams County Bank	1.10%	$100,000	-	Learn More
BobLevesque \| Feb 24, 2020 Adams County Bank was the only bank in the county that would set up an account for our newly-arrived family many years ago. We were forever grateful! Bob, retired IT professional Read More Reviews (2)
Custer Federal State Bank	1.05%	$10,000	-	Learn More Add Review
Platte Valley Bank	1.05%	$10,000	-	Learn More Add Review
Enterprise Bank	1.05%	$10,000	-	Learn More Add Review
Homestead Bank	1.05%	$10,000	-	Learn More
jmconrad1 \| Jan 1, 2020 00Title1! Read More Reviews (2)
Cornhusker Bank	1.05%	$10,000	-	Learn More Add Review
FirsTier Bank	1.01%	$10,000	-	Learn More Add Review
American Exchange Bank	1.01%	$10,000	-	Learn More Add Review
Bank of Orchard	1.00%	$10,000	-	Learn More Add Review
Washington County Bank	1.00%	$10,000	-	Learn More Add Review
Nebraska State Bank	1.00%	$100,000	-	Learn More Add Review
Pathway Bank	1.00%	$100,000	-	Learn More Add Review
The Potter State Bank of Potter	1.00%	$10,000	-	Learn More Add Review
Sidney Federal Savings and Loan Association	1.00%	$10,000	-	Learn More Add Review
First Bank and Trust of Fullerton	1.00%	$10,000	-	Learn More Add Review
Pinnacle Bank	1.00%	$10,000	-	Learn More Add Review
First State Bank Nebraska	1.00%	$10,000	-	Learn More Add Review
FirstBank of Nebraska	1.00%	$10,000	-	Learn More Add Review
JONES BANK	1.00%	$10,000	-	Learn More Add Review
First Savings Bank	1.00%	$10,000	-	Learn More
dionpayne \| Jun 28, 2017 showmefivethousanddollars Read More Reviews (1)
First State Bank	1.00%	$10,000	-	Learn More Add Review
First Bank of Utica	1.00%	$10,000	-	Learn More Add Review
Nebraska Bank of Commerce	1.00%	$10,000	-	Learn More Add Review
State Bank of Table Rock	1.00%	$10,000	-	Learn More Add Review
MNB BANK	1.00%	$10,000	-	Learn More Add Review
First State Bank	1.00%	$100,000	-	Learn More Add Review
Adams County Bank	1.00%	$10,000	-	Learn More
BobLevesque \| Feb 24, 2020 Adams County Bank was the only bank in the county that would set up an account for our newly-arrived family many years ago. We were forever grateful! Bob, retired IT professional Read More Reviews (2)
Commercial Bank	1.00%	$10,000	-	Learn More Add Review
Citizens State Bank	1.00%	$10,000	-	Learn More Add Review
F&M Bank	1.00%	$100,000	-	Learn More Add Review
First Nebraska Bank	0.95%	$10,000	-	Learn More Add Review
The Hershey State Bank	0.95%	$100,000	-	Learn More Add Review
Town & Country Bank	0.95%	$100,000	-	Learn More Add Review
Great Plains State Bank	0.90%	$10,000	-	Learn More Add Review
West Plains Bank	0.90%	$100,000	-	Learn More Add Review
F&M Bank	0.90%	$100,000	-	Learn More Add Review
The Hershey State Bank	0.90%	$10,000	-	Learn More Add Review
Columbus Bank and Trust Company	0.90%	$10,000	-	Learn More Add Review
Platte Valley Bank	0.90%	$10,000	-	Learn More Add Review
Wahoo State Bank	0.90%	$10,000	-	Learn More Add Review
First State Bank	0.90%	$10,000	-	Learn More Add Review
Western National Bank	0.90%	$10,000	-	Learn More Add Review
Frontier Bank	0.85%	$500	-	Learn More Add Review
Nebraska State Bank	0.85%	$10,000	-	Learn More Add Review
Adams Bank & Trust	0.85%	$10,000	-	Learn More Add Review
Heartland Bank	0.85%	$100,000	-	Learn More
pissed \| Feb 17, 2022 Heartland needs to get out of the USA! They are way to political and they are bigots! Go back to New Zealand-we do not need these hateful people in this country! DISGUSTING! Read More Reviews (1)
Town & Country Bank	0.85%	$10,000	-	Learn More Add Review
Access Bank	0.85%	$10,000	-	Learn More
Yusuf oluwashindara \| Sep 23, 2019 Access not. A good bank...whenever you save money to it their won't be any issue or problem but if you try to withdraw your money they will be telling you that you need to authorize.... Read More Reviews (1)
West Gate Bank	0.85%	$10,000	-	Learn More Add Review
Stockmens Bank	0.85%	$10,000	-	Learn More Add Review
West Plains Bank	0.80%	$10,000	-	Learn More Add Review
Sandhills State Bank	0.80%	$500	-	Learn More Add Review
First Community Bank	0.80%	$10,000	-	Learn More Add Review
Bruning Bank	0.80%	$10,000	-	Learn More Add Review
Pathway Bank	0.80%	$10,000	-	Learn More Add Review
Heartland Bank	0.80%	$10,000	-	Learn More
pissed \| Feb 17, 2022 Heartland needs to get out of the USA! They are way to political and they are bigots! Go back to New Zealand-we do not need these hateful people in this country! DISGUSTING! Read More Reviews (1)
York State Bank	0.80%	$100,000	-	Learn More Add Review
F&M Bank	0.80%	$10,000	-	Learn More Add Review
First Northeast Bank of Nebraska	0.75%	$10,000	-	Learn More Add Review
First State Bank & Trust Company	0.75%	$10,000	-	Learn More Add Review
Waypoint Bank	0.75%	$10,000	-	Learn More Add Review
Midwest Bank National Association	0.70%	$100,000	-	Learn More Add Review
F&M Bank	0.70%	$10,000	-	Learn More Add Review
Pinnacle Bank	0.70%	$10,000	-	Learn More Add Review
NebraskaLand National Bank	0.70%	$100,000	-	Learn More Add Review
Arbor Bank	0.70%	$10,000	-	Learn More Add Review
York State Bank	0.70%	$10,000	-	Learn More Add Review
Thayer County Bank	0.66%	$100,000	-	Learn More Add Review
Great Southern Bank	0.65%	$250	-	Learn More Add Review
Midwest Bank National Association	0.60%	$10,000	-	Learn More Add Review
Nebraska State Bank and Trust Company	0.60%	$10,000	-	Learn More Add Review
Pinnacle Bank	0.60%	$10,000	-	Learn More Add Review
Premier Bank	0.60%	$10,000	-	Learn More Add Review
BankFirst	0.59%	$100,000	-	Learn More Add Review
Five Points Bank of Hastings	0.55%	$500	-	Learn More
Marie50 \| Feb 19, 2023 Does five point bank of Hastings cash a check through atm Read More Reviews (1)
Thayer County Bank	0.51%	$10,000	-	Learn More Add Review
NebraskaLand National Bank	0.50%	$10,000	-	Learn More Add Review
Pinnacle Bank	0.50%	$10,000	-	Learn More Add Review
BankFirst	0.49%	$10,000	-	Learn More Add Review
Pinnacle Bank	0.40%	$10,000	-	Learn More Add Review
U.S. Bank National Association	0.40% 0.25%	$1,000 $500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
Security National Bank of Omaha	0.35%	$100,000	-	Learn More Add Review
Northwest Bank	0.35%	$10,000	-	Learn More Add Review
UMB Bank, National Association	0.35%	$10,000	-	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
Pinnacle Bank	0.30%	$500	-	Learn More Add Review
Central National Bank	0.30%	$50,000	-	Learn More Add Review
Central National Bank	0.20%	$10,000	-	Learn More Add Review
Heritage Bank	0.20%	$10,000	-	Learn More Add Review
First National Bank of Omaha	0.12%	$500	-	Learn More Add Review
Security National Bank of Omaha	0.10%	$10,000	-	Learn More Add Review
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.03% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
PNC Bank, National Association	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Bank of America, National Association	0.03%	$100,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

See rates for Online Banks →

See rates for Credit Unions →

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Five Year CDs - Branch Banks 2024

Five-year CDs are the big kahuna of the CD world. While banks may offer six-year, seven-year, or even 10-year CDs, the five-year is the longest of the most commonly offered terms. The 5-year CD is therefore often the highest offer at your local bank. Therefore, the temptation for those looking for yield is to open one, deposit money, and forget about it for five years. This could be a mistake. In rising rate environments a five-year CD may not be a good investment.

Safety

Like every other CD term, five year CDs from FDIC insured banks are protected up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure.

Inflation

The principle threat to a a five year CD is inflation. If the CD is opened in a low rate environment, and rates and inflation subsequently rise, then inflation will erode the value of the certificate of deposit over its five years. For example, if a depositor opened a five year CD in year 1 with a yield of 2.05% APY and inflation at 1.5%, then the real return is .55 percentage points. But if inflation rises the next year to 2.5% and stays there for the next four years, then the CD in real terms is losing money every year: 2.05% - 2.5% = -.45%.

While it is impossible for anyone to predict too far into the future, savers should be cognizant of the economic environment before locking up money for a five year time-period. Our rate analysis page provides some insight into where we think rates will go.

On the other hand, if rates are falling and will continue to do so for some time due to an economic recession then it makes sense to lock in a higher rate with a five year CD. Savers who opened five year CDs in 2008 immediately after the financial crisis were able to lock in rates in the 6% range, a great move considering two years later a five year CD paid below 3%.

Interest

Five-year CDs currently pay about 1.00% more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years.

Opening a Five Year CD

Opening a five year CD in a branch is relatively easy and similar to every other CD term. Most banks require the customer be a resident of the United States and most branch-based banks ask that the account be opened in the bank. Funding can be performed by transferring money that is already located at that bank or by check or ACH transfer from another bank. The CD can be opened that day and the rate locked.

With longer term CDs, savers should make sure they put a record of the CD in a safe place and that if they move, they forward their new address to the bank. In cases where the bank cannot find the CD holder, the bank may hand the funds over to a state authority as a lost deposit, and it will require onerous paperwork to reclaim the money.

ADVANTAGES AND DISADVANTAGES OF FIVE YEAR CDs

Advantages of five year CDs

5 year CDs provide the highest rate of the common CD terms.
The return is fixed for five years, which is an advantage in a flat or falling rate environment.

Disadvantages of five year CDs

The money is locked away for five years and cannot be withdrawn without a substantial penalty.
In a rising rate environment, inflation will reduce the value of the money in the CD over time.
Branch CDs require the saver to visit a branch and be subjected to cross-sell pitches and other marketing tactics.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates

Cash Savings

Product:

Average Rate:

Best Rate:

Years at Rate:

Tax Rate:

CD Products by State

CD Products by City in Nebraska

CD Resources

Download a Free eBook

Bank On It:
The No Risk Way To Boost Your Savings

Download

BestCashCow
Guide To Credit Card Travel Rewards

Download

65 Questions to Ask before Choosing a CD

Download

The Insider's Guide
to
Mortgages

Download

Plan and Optimize Your Finances

Nebraska CD Rates – 5-Year

PRODUCT INFORMATION

Five Year CDs - Branch Banks 2024

Safety

Inflation

Interest

Opening a Five Year CD

ADVANTAGES AND DISADVANTAGES OF FIVE YEAR CDs

Advantages of five year CDs

Disadvantages of five year CDs

SAVINGS & CD CALCULATOR

CD Products by State

CD Products by City in Nebraska

Download a Free eBook