Rates

Current Rates: All Rates and Annual Percentage Yields Effective: February 1, 2026 - Februay 28, 2026

*NOTE: Rates subject to change without notice

Account Rates

Plus Interest Checking Rates

Interest Rate**A.P.Y.
Up to $2,499.99 0.25% 0.25%
$2,500.00 - $24,999.99 0.33% 0.33%
$25,000.00 - $49,999.99 0.42% 0.42%
$50,000.00 - $74,999.99 0.54% 0.54%
$75,000.00 and up  0.61% 0.61%
  • Minimum balance to open Plus Interest Checking is $1,000.‌
  • Fees may reduce yield on these accounts.
  • Interest Rate & **APY may change.

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Money Market - Personal Account Rates

Interest Rate**A.P.Y.
Up to $2,499.99 0.47% 0.47%
$2,500.00 - $24,999.99 0.55% 0.55%
$25,000.00 - $49,999.99 0.64% 0.64%
$50,000.00 - $74,999.99 0.76% 0.76%
$75,000.00 and up  0.83% 0.83%
  • Minimum balance to open Money Market Account is $2,500.‌
  • Fees may reduce yield on these accounts.
  • Interest Rate & **APY may change

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Money Market - Business and Public Funds Rates

Interest Rate**A.P.Y.
Up to $2,499.99 0.25% 0.25%
$2,500.00 - $24,999.99 0.43% 0.43%
$25,000.00 - $49,999.99 0.76% 0.76%
$50,000.00 - $74,999.99

1.03%

 1.03%
$75,000.00 - $249,999.99 1.30% 1.31%

$250,000.00-$499,999.99

 1.44% 1.45%

$500,000.00 and up

 1.63% 1.64%
  • Minimum balance to open Money Market Account is $2,500.00.
  • Fees may reduce yield on these accounts.
  • Interest Rate & **APY may change.

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Now Account - Business & Public Funds Rates

Interest Rate**A.P.Y.
Up to $2,499.99 0.10% 0.10%
$2,500.00 - $24,999.99 0.18% 0.18%
$25,000.00 - $49,999.99 0.29% 0.29%
$50,000.00 - $74,999.99 0.41% 0.41%
$75,000.00 - $249,999.99 0.52% 0.52%

$250,000.00-$499,999.99

 0.61% 0.61%

$500,000.00 and up

 0.70% 0.40%
  • Minimum balance to open Now Account is $1,000.00. 
  • Fees may reduce yield on these accounts.
  • Interest Rate & **APY may change.

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Future Savings Rates

Interest Rate**A.P.Y.
Up to $2,499.99 0.16% 0.16%
$2,500.00 - $24,999.99 0.24% 0.24%
$25,000.00 - $49,999.99 0.33% 0.33%
$50,000.00 - $74,999.99 0.45% 0.45%
$75,000.00 and up  0.52% 0.52%
  • No Minimum balance is required to open Future Savings.
  • Fees may reduce yield on these accounts.
  • Interest Rate & **APY may change.

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Health Savings Account (HSA) Rates

Interest Rate**A.P.Y.
Up to $2,499.99 0.10% 0.10%
$2,500.00 - $24,999.99 0.78% 0.78%
$25,000.00 - $49,999.99 1.27% 1.28%
$50,000.00 - $74,999.99 1.43% 1.44%
$75,000.00 and up  1.52% 1.53%
  • Minimum balance to open a Health Savings Account is $1.‌
  • Interest Rate & **APY may change.

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IRA Savings Rates

Interest Rate**A.P.Y.
Up to $2,499.99 2.00% 2.02%
$2,500.00 - $24,999.99 2.05% 2.07%
$25,000.00 - $49,999.99 2.07% 2.09%
$50,000.00 - $74,999.99 2.10% 2.12%
$75,000.00 and up  2.15% 2.17%
  • Minimum balance to open IRA Savings Account is $1.
  • Fees may reduce yield on these accounts.
  • Interest Rate & **APY may change

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Certificates of Deposit

Guaranteed Interest Rates apply during the stated period of time.

A $2,500 Minimum balance is required to open a Time Certificate.

Substantial penalty for early withdrawal of funds.

The Annual Percentage Yield assumes interest will remain on deposit until maturity.

6 Month CD Rates
Interest Rate**A.P.Y.
$2,500.00 - $24,999.99 3.15% 3.19%
$25,000.00 - $49,999.99 3.40% 3.44%
$50,000.00 - $74,999.99 3.55% 3.60%
$75,000.00 and up  3.60% 3.65%

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12 Month CD Rates
Interest Rate**A.P.Y.
$2,500.00 - $24,999.99 3.04% 3.07%
$25,000.00 - $49,999.99 3.29% 3.33%
$50,000.00 - $74,999.99 3.44% 3.48%
$75,000.00 and up  3.49% 3.54%

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24 Month CD Rates
Interest Rate**A.P.Y.
$2,500.00 - $24,999.99 3.04% 3.07%
$25,000.00 - $49,999.99 3.29% 3.33%
$50,000.00 - $74,999.99 3.44% 3.48%
$75,000.00 and up  3.49% 3.54%

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48 Month CD Rates
Interest Rate**A.P.Y.
$2,500.00 - $24,999.99 3.04% 3.08%
$25,000.00 - $49,999.99 3.29% 3.34%
$50,000.00 - $74,999.99 3.44% 3.49%
$75,000.00 and up 

3.49%

 3.54%

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** Annual Percentage Yield

FRAUD WARNING

Nebraska Banks have experienced fraudsters impersonating Banks using spoofed phone numbers which appear to come from the Bank or someplace local. Our employees will never ask you for your account number, online username, password, or other personally identifying info via the telephone or text. If you receive a suspicious phone call/text, hang up and contact your bank immediately.

Mobile Apps

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Download the Card Suite Lite App Today!

Card Suite Lite is a free mobile app designed for real-time debit and credit card management, allowing users to instantly freeze/unfreeze cards, set transaction limits, define geographic restrictions, and receive instant, personalized security alerts. It serves as a secure, on-the-go tool for preventing fraud and managing spending. 

Search Card Suite Lite on the Apple or Google Play Store or click the link below.

Click Here to Download the App available on the App Store

Click Here to Download the App available on Google Play