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Compare Savings Rates in Nebraska – March 2026

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Current Nebraska Savings Rates and MMA Rates

Meridian Trust Federal Credit Union has a Momentum Money Market available at 6.00% APY (min deposit $0). For those in Nebraska, Chadron Federal Credit Union lists a Kids Club Savings at 5.25%. I3 Bank is offering a SuperSaver Kids Club Savings in Nebraska with an APY of 5.00%. Meridian Trust Federal Credit Union is offering a Momentum Money Market in Nebraska with an APY of 3.90%.

Find the best savings and money market rates in Nebraska today. Our real-time rate table below compares offers from top lenders to help you grow your savings. Whether you are looking for a traditional savings account or a high-yield option in NE, comparing APYs is the best way to maximize your interest earnings.

The following rates reflect recent market quotes and representative offers available to Nebraska depositors. Actual savings rates may vary by financial institution and market conditions.

Last Updated and Verified: March 5, 2026

Savings Rates in Nebraska and Area

  • Momentum Money Market:
    6.00%
  • Kids Club Savings:
    5.25%
  • SuperSaver Kids Club Savings:
    5.00%
  • Momentum Money Market:
    3.90%
  • 1stHeritage Club Money Market (HIFI):
    3.56%

Rates shown are recent market averages and representative quotes. Actual rates may vary.

Last Updated and Verified: March 5, 2026

Best Nebraska and Area Savings Rates & Money Market Rates

Bank / Credit Union
Product
APY
Min Deposit
Meridian Trust Federal Credit Union Scottsbluff, NE
Momentum Money Market
6.00%
$0
Rate 6.00%
Min Deposit $0
Last Updated 03/05/2026
Details Earn More With Less; Open a Momentum Money Market account and get 6.00% APY* on your first $2,000.

Chadron Federal Credit Union Chadron, NE
Kids Club Savings
5.25%
$5
Rate 5.25%
Min Deposit $5
Last Updated 03/05/2026
Details The first $500 deposited will yield 5.25% interest.

I3 Bank Omaha, NE
SuperSaver Kids Club Savings
5.00%
$0
Rate 5.00%
Min Deposit $0
Last Updated 03/05/2026
Details

Meridian Trust Federal Credit Union Scottsbluff, NE
Momentum Money Market
3.90%
$0
Rate 3.90%
Min Deposit $0
Last Updated 03/05/2026
Details Earns 3.90-5.99% APY on balances $2,000.01 - $5,000.00

First Bank and Trust of Fullerton Saint Edward, NE
1stHeritage Club Money Market (HIFI)
3.56%
$0
Rate 3.56%
Min Deposit $0
Last Updated 03/05/2026
Details Average Daily Balance: $250,000.00 and up

First Bank and Trust of Fullerton Saint Edward, NE
Money Market (HIFI)
3.56%
$0
Rate 3.56%
Min Deposit $0
Last Updated 03/05/2026
Details

Lincoln FSB of Nebraska Omaha, NE
Premier Savings
3.55%
$50
Rate 3.55%
Min Deposit $50
Last Updated 03/05/2026
Details

Sun Pacific Federal Credit Union Lincoln, NE
Sun Fund Money Market
3.51%
$0
Rate 3.51%
Min Deposit $0
Last Updated 03/05/2026
Details Balance $50,000 or more

UMB Bank Omaha, NE
UMB Retail Money Market Tier II - 24,999.99
3.51%
$10,000
Rate 3.51%
Min Deposit $10,000
Last Updated 03/05/2026
Details $10,000

UMB Bank Omaha, NE
UMB Retail Money Market Tier III - 49,999.99
3.51%
$25,000
Rate 3.51%
Min Deposit $25,000
Last Updated 03/05/2026
Details $25,000

UMB Bank Omaha, NE
UMB Retail Money Market Tier IV - 74,999.99
3.51%
$50,000
Rate 3.51%
Min Deposit $50,000
Last Updated 03/05/2026
Details $50,000

UMB Bank Omaha, NE
UMB Retail Money Market Tier V - 99,999.99
3.51%
$75,000
Rate 3.51%
Min Deposit $75,000
Last Updated 03/05/2026
Details $75,000

UMB Bank Omaha, NE
UMB Retail Money Market Tier VI - 999,999.99
3.51%
$100,000
Rate 3.51%
Min Deposit $100,000
Last Updated 03/05/2026
Details $100,000

UMB Bank Omaha, NE
UMB Retail Money Market Tier VII & over
3.51%
$1,000,000
Rate 3.51%
Min Deposit $1,000,000
Last Updated 03/05/2026
Details $1,000,000

First Bank and Trust of Fullerton Saint Edward, NE
IRA Savings
3.49%
$0
Rate 3.49%
Min Deposit $0
Last Updated 03/05/2026
Details Compounds Quarterly

First Bank and Trust of Fullerton Saint Edward, NE
1stHeritage Club Money Market (HIFI)
3.30%
$0
Rate 3.30%
Min Deposit $0
Last Updated 03/05/2026
Details Average Daily Balance: $100,000.00-249,999.99

First Bank and Trust of Fullerton Saint Edward, NE
Money Market (HIFI)
3.30%
$0
Rate 3.30%
Min Deposit $0
Last Updated 03/05/2026
Details

Bank of Prague Prague, NE
IRA Savings
3.29%
$0
Rate 3.29%
Min Deposit $0
Last Updated 03/05/2026
Details

American National Bank Tecumseh, NE
6-month money market
3.25%
$25,000
Rate 3.25%
Min Deposit $25,000
Last Updated 03/05/2026
Details New deposits only.

Beverly Municipal Federal Credit Union Omaha, NE
Money Market
3.25%
$0
Rate 3.25%
Min Deposit $0
Last Updated 03/05/2026
Details Average Daily Balance $250,000.00 and above

First Westroads Bank Omaha, NE
Elite Consumer Money Market - Tier 5
3.06%
$100
Rate 3.06%
Min Deposit $100
Last Updated 03/05/2026
Details

Lincoln FSB of Nebraska Omaha, NE
Premier Savings
3.05%
$50
Rate 3.05%
Min Deposit $50
Last Updated 03/05/2026
Details

Archer Cooperative Credit Union Saint Paul, NE
Junior Growers Savings Account
3.03%
$5
Rate 3.03%
Min Deposit $5
Last Updated 03/05/2026
Details For Kids 12 & Under $5.00 Minimum Deposit

First Westroads Bank Omaha, NE
Elite Consumer Money Market - Tier 4
3.01%
$100
Rate 3.01%
Min Deposit $100
Last Updated 03/05/2026
Details

United Republic Bank Omaha, NE
Business High Yield Money Market
3.00%
$100,000
Rate 3.00%
Min Deposit $100,000
Last Updated 03/05/2026
Details $5,000,000 & Over

Lincoln FSB of Nebraska Omaha, NE
Business Savings
3.00%
$10,000
Rate 3.00%
Min Deposit $10,000
Last Updated 03/05/2026
Details

Beverly Municipal Federal Credit Union Omaha, NE
Money Market
3.00%
$0
Rate 3.00%
Min Deposit $0
Last Updated 03/05/2026
Details Average Daily Balance $100,000.00 to $249,999.99

Cobalt Federal Credit Union Plattsmouth, NE
Personal Prime Money Market Account
3.00%
$0
Rate 3.00%
Min Deposit $0
Last Updated 03/05/2026
Details

Four Points Federal Credit Union Omaha, NE
Prime Money Market
3.00%
$0
Rate 3.00%
Min Deposit $0
Last Updated 03/05/2026
Details

First Lincoln Federal Credit Union Lincoln, NE
Youth Savings Accounts
3.00%
$0
Rate 3.00%
Min Deposit $0
Last Updated 03/05/2026
Details up to $3,000

First Westroads Bank Omaha, NE
Elite Consumer Money Market - Tier 3
2.96%
$100
Rate 2.96%
Min Deposit $100
Last Updated 03/05/2026
Details

First Westroads Bank Omaha, NE
Elite Consumer Money Market - Tier 2
2.91%
$100
Rate 2.91%
Min Deposit $100
Last Updated 03/05/2026
Details

Union Bank and Trust Company York, NE
Value Edge Money Market Account
2.83%
$1,000
Rate 2.83%
Min Deposit $1,000
Last Updated 03/05/2026
Details $500,000+; $1,000 minimum to open

First Westroads Bank Omaha, NE
Elite Consumer Money Market - Tier 1
2.81%
$100
Rate 2.81%
Min Deposit $100
Last Updated 03/05/2026
Details

Columbus Bank and Trust Company Columbus, NE
CBT Money Market
2.78%
$0
Rate 2.78%
Min Deposit $0
Last Updated 03/05/2026
Details $250,000 +

Madison County Bank Winside, NE
Money Market Savings
2.75%
$10
Rate 2.75%
Min Deposit $10
Last Updated 03/05/2026
Details

Madison County Bank Winside, NE
Money Market Savings Account
2.75%
$10
Rate 2.75%
Min Deposit $10
Last Updated 03/05/2026
Details Earn interest on all balances: 0.75% APY* on balances up to $89,999; 2.75% APY* on balances over $90,000.

Pentagon Federal Credit Union Papillion, NE
Premium Online Savings Account All Balances
2.70%
$5
Rate 2.70%
Min Deposit $5
Last Updated 03/05/2026
Details $5 minimum balance to open

First National Bank in Ord Sargent, NE
Money Market Account 2
2.68%
$0
Rate 2.68%
Min Deposit $0
Last Updated 03/05/2026
Details Earns 2.68% APY on balances $1,000,000 and up

First Nebraska Bank Weeping Water, NE
Money Market Investment Account
2.63%
$0
Rate 2.63%
Min Deposit $0
Last Updated 03/05/2026
Details Interest paid monthly

Lincoln FSB of Nebraska Omaha, NE
Premier Savings
2.55%
$50
Rate 2.55%
Min Deposit $50
Last Updated 03/05/2026
Details

First Bank and Trust of Fullerton Saint Edward, NE
1stHeritage Club Money Market (HIFI)
2.53%
$0
Rate 2.53%
Min Deposit $0
Last Updated 03/05/2026
Details Average Daily Balance: $25,000.00-99,999.99

Columbus Bank and Trust Company Columbus, NE
CBT Money Market
2.53%
$0
Rate 2.53%
Min Deposit $0
Last Updated 03/05/2026
Details $150,000 - $249,999.99

First Bank and Trust of Fullerton Saint Edward, NE
Money Market (HIFI)
2.53%
$0
Rate 2.53%
Min Deposit $0
Last Updated 03/05/2026
Details

Bank of Prague Prague, NE
Money Market Savings
2.53%
$0
Rate 2.53%
Min Deposit $0
Last Updated 03/05/2026
Details

Western Nebraska Bank Thedford, NE
Education Savings Account
2.52%
$25
Rate 2.52%
Min Deposit $25
Last Updated 03/05/2026
Details $25 minimum to open

United Republic Bank Omaha, NE
Business High Yield Money Market
2.50%
$100,000
Rate 2.50%
Min Deposit $100,000
Last Updated 03/05/2026
Details $2,500,000 - $4,999,999.99

Beverly Municipal Federal Credit Union Omaha, NE
Money Market
2.50%
$0
Rate 2.50%
Min Deposit $0
Last Updated 03/05/2026
Details Average Daily Balance $50,000.00 to $99,999.99

Sun Pacific Federal Credit Union Lincoln, NE
Sun Fund Money Market
2.50%
$0
Rate 2.50%
Min Deposit $0
Last Updated 03/05/2026
Details Balance $10,000 or more

First Community Bank Beemer, NE Homer, NE
Insured Money Market
2.43%
$0
Rate 2.43%
Min Deposit $0
Last Updated 03/05/2026
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Nebraska directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions' own digital properties and manually verifying the yields daily, we ensure that every savings rate displayed on savingsaccount.monitorbankrates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Nebraska. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized savings rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield savings accounts from large national institutions available to savers in NE.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly based on market conditions, every single savings product listed on our platform features its own specific "last updated" date. This gives you absolute transparency into exactly when that specific yield was confirmed.

Disclaimer: Savings rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions in Nebraska. It is always advisable to check with the specific financial institution's official website for the most current offers and terms. Last Updated and Verified: March 5, 2026

How to Find the Best Savings Account in Nebraska

  1. Compare APY (Annual Percentage Yield) The APY determines how much interest you will earn in a year. Unlike simple interest, APY includes compound interest. Always look for the highest APY to maximize your earnings.
  2. Check Minimum Deposit Requirements Some high-yield savings accounts require a large initial deposit (e.g., $5,000 or $10,000) to earn the advertised rate. Ensure you can meet these minimums before applying.
  3. Review Monthly Fees Avoid accounts that charge monthly maintenance fees, as these can eat into your interest earnings. Many online banks and credit unions offer no-fee savings accounts.
  4. Verify FDIC or NCUA Insurance Ensure your money is safe. Banks should be FDIC insured, and Credit Unions should be NCUA insured. This protects your deposits up to $250,000 per depositor.

Frequently Asked Questions for Nebraska

What are the current savings rates in Nebraska and the surrounding area
Below is a list of current savings and money market rates available for Nebraska. We track lenders daily to provide the most up-to-date APY and term information.

Lender / Product
APY
Min Dep
Meridian Trust Federal Credit Union
Momentum Money Market
6.00%
$0
Chadron Federal Credit Union
Kids Club Savings
5.25%
$5
I3 Bank
SuperSaver Kids Club Savings
5.00%
$0
Meridian Trust Federal Credit Union
Momentum Money Market
3.90%
$0
First Bank and Trust of Fullerton
1stHeritage Club Money Market (HIFI)
3.56%
$0
Lender / Product
APY
Min Dep
First Bank and Trust of Fullerton
Money Market (HIFI)
3.56%
$0
Lincoln FSB of Nebraska
Premier Savings
3.55%
$50
Sun Pacific Federal Credit Union
Sun Fund Money Market
3.51%
$0
UMB Bank
UMB Retail Money Market Tier II - 24,999.99
3.51%
$10,000
UMB Bank
UMB Retail Money Market Tier III - 49,999.99
3.51%
$25,000
Last Updated and Verified: March 5, 2026
What is a High-Yield Savings Account?
A high-yield savings account is a type of savings account that pays a significantly higher interest rate (APY) than standard savings accounts. These are often offered by online banks that have lower overhead costs than traditional brick-and-mortar banks.
Are online savings accounts safe?
Yes, as long as the online bank is FDIC insured. This provides the same level of protection (up to $250,000 per depositor) as a traditional bank. Always check for the FDIC logo on the bank's website.
Can I withdraw money from a savings account anytime?
Yes, but there are limits. Federal Regulation D used to limit certain withdrawals to 6 per month, though this has been suspended. However, individual banks may still enforce transaction limits or charge fees for excessive withdrawals.
Do savings rates change?
Yes, savings rates are variable and can change at any time based on the Federal Reserve's benchmark interest rates and market conditions. Unlike a CD (Certificate of Deposit), your savings rate is not locked in.

Cities in Nebraska

Abie
Adams
Ainsworth
Albion
Alda
Alexandria
Allen
Alliance
Alma
Alvo
Amelia
Ames
Amherst
Angora
Anselmo
Ansley
Arapahoe
Arcadia
Archer
Arlington
Arnold
Arthur
Ashby
Ashland
Ashton
Atkinson
Atlanta
Auburn
Aurora
Avoca
Axtell
Ayr
Bancroft
Barneston
Bartlett
Bartley
Bassett
Battle Creek
Bayard
Beatrice
Beaver City
Beaver Crossing
Bee
Beemer
Belden
Belgrade
Bellevue
Bellwood
Belvidere
Benedict
Benkelman
Bennet
Bennington
Bertrand
Berwyn
Big Springs
Bingham
Bladen
Blair
Bloomfield
Bloomington
Blue Hill
Blue Springs
Boelus
Boys Town
Bradshaw
Brady
Brainard
Brewster
Bridgeport
Bristow
Broadwater
Brock
Broken Bow
Brownville
Brule
Bruning
Bruno
Brunswick
Burchard
Burr
Burwell
Bushnell
Butte
Byron
Cairo
Callaway
Cambridge
Campbell
Carleton
Carroll
Cedar Bluffs
Cedar Creek
Cedar Rapids
Center
Central City
Ceresco
Chadron
Chambers
Champion
Chapman
Chappell
Chester
Clarks
Clarkson
Clatonia
Clay Center
Clearwater
Cody
Coleridge
Colon
Columbus
Comstock
Concord
Cook
Cordova
Cortland
Cozad
Crab Orchard
Craig
Crawford
Creighton
Creston
Crete
Crofton
Crookston
Culbertson
Curtis
Dakota City
Dalton
Danbury
Dannebrog
Davenport
Davey
David City
Dawson
Daykin
De Witt
Decatur
Denton
Deshler
Deweese
Dickens
Diller
Dix
Dixon
Dodge
Doniphan
Dorchester
Douglas
Du Bois
Dunbar
Duncan
Dunning
Dwight
Eagle
Eddyville
Edgar
Edison
Elba
Elgin
Elk Creek
Elkhorn
Ellsworth
Elm Creek
Elmwood
Elsie
Elsmere
Elwood
Elyria
Emerson
Emmet
Enders
Endicott
Ericson
Eustis
Ewing
Exeter
Fairbury
Fairfield
Fairmont
Falls City
Farnam
Farwell
Filley
Firth
Fordyce
Fort Calhoun
Foster
Franklin
Fremont
Friend
Fullerton
Funk
Garland
Geneva
Genoa
Gering
Gibbon
Gilead
Giltner
Glenvil
Goehner
Gordon
Gothenburg
Grafton
Grand Island
Grant
Greeley
Greenwood
Gresham
Gretna
Guide Rock
Gurley
Hadar
Haigler
Hallam
Halsey
Hamlet
Hampton
Hardy
Harrisburg
Harrison
Hartington
Harvard
Hastings
Hay Springs
Hayes Center
Hazard
Heartwell
Hebron
Hemingford
Henderson
Hendley
Henry
Herman
Hershey
Hickman
Hildreth
Holbrook
Holdrege
Holmesville
Holstein
Homer
Hooper
Hordville
Hoskins
Howells
Hubbard
Hubbell
Humboldt
Humphrey
Hyannis
Imperial
Inavale
Indianola
Inland
Inman
Ithaca
Jackson
Jansen
Johnson
Johnstown
Juniata
Kearney
Kenesaw
Kennard
Keystone
Kilgore
Kimball
La Vista
Lakeside
Laurel
Lawrence
Lebanon
Leigh
Lemoyne
Leshara
Lewellen
Lewiston
Lexington
Liberty
Lincoln
Lindsay
Linwood
Lisco
Litchfield
Lodgepole
Long Pine
Loomis
Lorton
Louisville
Loup City
Lyman
Lynch
Lyons
Macy
Madison
Madrid
Magnet
Malcolm
Malmo
Manley
Marquette
Marsland
Martell
Martin
Maskell
Mason City
Max
Maxwell
Maywood
McCook
McCool Junction
Mcgrew
Mclean
Mead
Meadow Grove
Melbeta
Memphis
Merna
Merriman
Milford
Miller
Milligan
Mills
Minatare
Minden
Mitchell
Monroe
Moorefield
Morrill
Morse Bluff
Mullen
Murdock
Murray
Naper
Naponee
Nebraska City
Nehawka
Neligh
Nelson
Nemaha
Nenzel
Newcastle
Newman Grove
Newport
Nickerson
Niobrara
Norfolk
Norman
North Bend
North Loup
North Platte
Oak
Oakdale
Oakland
Oconto
Odell
Odessa
Offutt A F B
Ogallala
Ohiowa
Omaha
Oneill
Ong
Orchard
Ord
Orleans
Osceola
Oshkosh
Osmond
Otoe
Overton
Oxford
Page
Palisade
Palmer
Palmyra
Panama
Papillion
Parks
Pawnee City
Paxton
Pender
Peru
Petersburg
Phillips
Pickrell
Pierce
Pilger
Pine Bluffs
Plainview
Platte Center
Plattsmouth
Pleasant Dale
Pleasanton
Plymouth
Polk
Ponca
Potter
Prague
Primrose
Purdum
Ragan
Randolph
Ravenna
Raymond
Red Cloud
Republican City
Reynolds
Richfield
Rising City
Riverdale
Riverton
Roca
Rockville
Rogers
Rosalie
Rose
Roseland
Royal
Rulo
Rushville
Ruskin
Saint Edward
Saint Helena
Saint Libory
Saint Paul
Salem
Sargent
Saronville
Schuyler
Scotia
Scottsbluff
Scribner
Seneca
Seward
Shelby
Shelton
Shickley
Shubert
Sidney
Silver Creek
Smithfield
Snyder
South Bend
South Sioux City
Spalding
Sparks
Spencer
Sprague
Springfield
Springview
St Columbans
Stamford
Stanton
Staplehurst
Stapleton
Steele City
Steinauer
Stella
Sterling
Stockville
Strang
Stratton
Stromsburg
Stuart
Sumner
Superior
Surprise
Sutherland
Sutton
Swanton
Syracuse
Table Rock
Talmage
Taylor
Tecumseh
Tekamah
Thedford
Thurston
Tilden
Tobias
Trenton
Trumbull
Tryon
Uehling
Ulysses
Unadilla
Union
Upland
Utica
Valentine
Valley
Valparaiso
Venango
Verdel
Verdigre
Verdon
Virginia
Waco
Wahoo
Wakefield
Wallace
Walthill
Walton
Washington
Waterbury
Waterloo
Wauneta
Wausa
Waverly
Wayne
Weeping Water
Weissert
Wellfleet
West Point
Western
Westerville
Weston
Whiteclay
Whitman
Whitney
Wilber
Wilcox
Willow Island
Wilsonville
Winnebago
Winnetoon
Winside
Winslow
Wisner
Wolbach
Wood Lake
Wood River
Wymore
Wynot
York
Yutan