# First State Bank Nebraska CD rates

As of October 23, 2026, First State Bank Nebraska's highest tracked CD rate is 4.05% APY on an 18-month CD ($500 minimum). That is 2.6 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 0.05% to 4.05% APY.

Canonical page: https://apyledger.com/cd-rates/first-state-bank-nebraska
Institution: First State Bank Nebraska (FDIC 13868)
Aliases: 
Status: live
Last verified: 2026-10-23T11:32:52.000Z (October 23, 2026)
Official source: https://www.1fsb.bank/personal/banking/cds-iras
Coverage: Published fixed-rate personal CDs from 1 to 60 months require a $500 opening deposit; variable IRA products are excluded. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-22. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 1 month | $500 | 0.05% | Not ZIP-priced | −4.10% | 2026-10-23T11:32:52.000Z | [Snapshot 1008](https://apyledger.com/snapshots/1008) |
| Certificate of Deposit | standard | 2 months | $500 | 0.05% | Not ZIP-priced | −4.15% | 2026-10-23T11:32:52.000Z | [Snapshot 1008](https://apyledger.com/snapshots/1008) |
| Certificate of Deposit | standard | 3 months | $500 | 0.50% | Not ZIP-priced | −3.76% | 2026-10-23T11:32:52.000Z | [Snapshot 1008](https://apyledger.com/snapshots/1008) |
| Certificate of Deposit | standard | 6 months | $500 | 3.54% | Not ZIP-priced | −0.80% | 2026-10-23T11:32:52.000Z | [Snapshot 1008](https://apyledger.com/snapshots/1008) |
| Certificate of Deposit | standard | 12 months | $500 | 3.73% | Not ZIP-priced | −0.73% | 2026-10-23T11:32:52.000Z | [Snapshot 1008](https://apyledger.com/snapshots/1008) |
| Certificate of Deposit | standard | 18 months | $500 | 4.05% | Not ZIP-priced | −0.53% | 2026-10-23T11:32:52.000Z | [Snapshot 1008](https://apyledger.com/snapshots/1008) |
| Certificate of Deposit | standard | 24 months | $500 | 3.95% | Not ZIP-priced | −0.75% | 2026-10-23T11:32:52.000Z | [Snapshot 1008](https://apyledger.com/snapshots/1008) |
| Certificate of Deposit | standard | 30 months | $500 | 1.25% | Not ZIP-priced | −3.49% | 2026-10-23T11:32:52.000Z | [Snapshot 1008](https://apyledger.com/snapshots/1008) |
| Certificate of Deposit | standard | 36 months | $500 | 2.50% | Not ZIP-priced | −2.28% | 2026-10-23T11:32:52.000Z | [Snapshot 1008](https://apyledger.com/snapshots/1008) |
| Certificate of Deposit | standard | 48 months | $500 | 2.50% | Not ZIP-priced | −2.31% | 2026-10-23T11:32:52.000Z | [Snapshot 1008](https://apyledger.com/snapshots/1008) |
| Certificate of Deposit | standard | 60 months | $500 | 2.50% | Not ZIP-priced | −2.34% | 2026-10-23T11:32:52.000Z | [Snapshot 1008](https://apyledger.com/snapshots/1008) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.