Best Banks & Credit Unions in Nebraska

Compare the best banks and credit unions in Nebraska — up to 1.00% APY, verified fees, minimums, and membership rules from 28+ local institutions.

Nebraska residents have access to a mix of state-chartered credit unions, regional community banks, and nationwide online banks. This page ranks the strongest options for savings APY, checking rewards, and CD specials — all verified against the institution's own rate page as of September 2026.

Best banks and credit unions in Nebraska 2026

• Cobalt Credit Union — CD: 3.90% APY, $1,000 min, no monthly fee. 12 Months Certificate: $1,000.00-$99,999.99 amount tier; the 4.05% Member Loyalty APY requires a $500 monthly direct deposit and an existing Cobalt loan or credit card; a penalty may be imposed for early withdrawal; effective date 09/02/2026. Read Sep 7, 2026 on cobaltcu.com. Rates as of 2026-09-02 per the page.
• Metro Credit Union — CD: 3.85% APY, $500 min, no monthly fee. 12 Month Certificate: $500.00 minimum balance; standard certificate table, not the 7, 13 or 25 month Specials (4.15%-4.30%); a penalty may be assessed for early withdrawal; rates effective as of 8/18/2026. Read Sep 7, 2026 on metrofcu.org. Rates as of 2026-08-18 per the page.
• Union Bank & Trust — CD: 3.85% APY, $1,000 min, no monthly fee. 12 months CD: $1,000 minimum deposit to open the account and obtain the APY; penalty for early withdrawal; certificate rates effective as of September 1, 2026. Read Sep 7, 2026 on ubt.com.
• Navy Federal Credit Union — CD: 3.70% APY, $1,000 min, no monthly fee. 12-month Short-Term Certificate: $1K minimum APY column; 3.70% at $1K and $20K, 3.75% at $100K; penalties apply for early withdrawal. Read Sep 7, 2026 on navyfederal.org. Rates as of 2026-09-07 per the page.
• West Gate Bank — CD: 3.29% APY, $1,000 min, no monthly fee. 12 Month CD: $1,000.00 minimum balance required to open; early withdrawal penalty of twelve months' interest regardless of term; effective date 09/07/2026. Read Sep 7, 2026 on westgate.bank. Rates as of 2026-09-07 per the page.
• Centris Federal Credit Union — CD: 3.00% APY, $500 min, no monthly fee. 12 month Certificate: Regular & IRA Certificates, minimum opening deposit of $500.00; a penalty may be imposed for early withdrawal; APY accurate as of the last declaration date of Sept. 1, 2026; the 7 month term pays 3.25% and Jumbo certificates require $90,000. Read Sep 7, 2026 on centrisfcu.org. Rates as of 2026-09-01 per the page.
• Elkhorn Valley Bank & Trust — CD: 2.40% APY, no minimum, no monthly fee. 12-month 1 Year CD: No minimum balance is required to open unless the term is marked with an asterisk; the 5-month (3.75%) and 11-month (4.05%) specials each require a $5,000 minimum deposit; a penalty may be imposed for withdrawals before maturity; rates accurate as of 9.1.2026. Read Sep 7, 2026 on evb.bank. Rates as of 2026-09-01 per the page.
• Elkhorn Valley Bank & Trust — Savings: 1.00% APY, $100 min, no monthly fee. Passbook Savings: $100 minimum daily balance with a $5.00 quarterly service charge waived if it is maintained (evb.bank/personal/savings-accounts/); interest paid quarterly; rates accurate as of 9.1.2026. Read Sep 7, 2026 on evb.bank. Rates as of 2026-09-01 per the page.

Every bank with a branch in Nebraska

159 FDIC-insured banks run 959 full-service offices in Nebraska. 142 of them are community banks, and 115 operate nowhere else. This is the federal record: every figure below is the regulator's own.

• Pinnacle Bank — 59 offices in Nebraska, of 65 nationwide, holding $7.03bn at 30 June 2025, leverage ratio 9.92%.
• Cornerstone Bank — 45 offices in Nebraska, and nowhere else, holding $2.32bn at 30 June 2025, leverage ratio 9.88%.
• First National Bank of Omaha — 40 offices in Nebraska, of 117 nationwide, holding $17.1bn at 30 June 2025, leverage ratio 10.83%.
• Union Bank and Trust Company — 34 offices in Nebraska, of 37 nationwide, holding $7.02bn at 30 June 2025, leverage ratio 10.65%.
• U.S. Bank National Association — 32 offices in Nebraska, of 2,077 nationwide, holding $3.80bn at 30 June 2025, leverage ratio 9.49%.
• Security First Bank — 31 offices in Nebraska, of 35 nationwide, holding $1.24bn at 30 June 2025, leverage ratio 8.30%.
• Wells Fargo Bank, National Association — 30 offices in Nebraska, of 4,066 nationwide, holding $5.49bn at 30 June 2025, leverage ratio 8.02%.
• First Interstate Bank — 28 offices in Nebraska, of 271 nationwide, holding $1.93bn at 30 June 2025, leverage ratio 9.42%.
• BMO Bank National Association — 28 offices in Nebraska, of 957 nationwide, holding $1.36bn at 30 June 2025, leverage ratio 11.29%.
• Associated Bank, National Association — 21 offices in Nebraska, of 212 nationwide, leverage ratio 8.40%.
• First State Bank Nebraska — 18 offices in Nebraska, and nowhere else, holding $895m at 30 June 2025, leverage ratio 9.00%.
• Heritage Bank — 16 offices in Nebraska, and nowhere else, holding $414m at 30 June 2025, leverage ratio 23.01%.

Deposits by office come from the FDIC Summary of Deposits, counted each 30 June; the leverage ratio is capital as a share of assets, from each bank's latest Call Report. Nothing here is blended into a score. Search by ZIP to see the offices nearest you.

Every bank we publish a page for in Nebraska

28 of them, largest first. Each page carries the bank's own Call Report figures and every office it runs.

• Pinnacle Bank — 59 offices in Nebraska
• Cornerstone Bank — 45 offices in Nebraska
• First National Bank of Omaha — 40 offices in Nebraska
• Union Bank and Trust Company — 34 offices in Nebraska
• U.S. Bank — 32 offices in Nebraska
• Security First Bank — 31 offices in Nebraska
• Wells Fargo Bank — 30 offices in Nebraska
• First Interstate Bank — 28 offices in Nebraska
• BMO Bank — 28 offices in Nebraska
• Associated Bank — 21 offices in Nebraska
• First State Bank Nebraska — 18 offices in Nebraska
• Heritage Bank — 16 offices in Nebraska
• JPMorgan Chase Bank — 15 offices in Nebraska
• Five Points Bank — 12 offices in Nebraska
• Adams Bank & Trust — 11 offices in Nebraska
• Citizens State Bank — 10 offices in Nebraska
• Points West Community Bank — 7 offices in Nebraska
• Equity Bank — 7 offices in Nebraska
• Bank of America — 4 offices in Nebraska
• First-Citizens Bank & Trust Company — 3 offices in Nebraska
• Great Southern Bank — 3 offices in Nebraska
• Northwest Bank — 2 offices in Nebraska
• Bankers Trust Company — 1 office in Nebraska
• Pinnacle Bank - Wyoming — 1 office in Nebraska
• Central National Bank — 1 office in Nebraska
• UMB Bank — 1 office in Nebraska
• Stockmens Bank — 1 office in Nebraska
• First Savings Bank — 1 office in Nebraska

Branches by town in Nebraska

Where a bank runs more than one office in a town, every one of them is listed on a page of its own.

• Union Bank and Trust Company in Lincoln, NE — 19 branches
• First National Bank of Omaha in Omaha, NE — 16 branches
• U.S. Bank National Association in Omaha, NE — 14 branches
• Wells Fargo Bank, National Association in Omaha, NE — 11 branches
• Pinnacle Bank in Lincoln, NE — 11 branches
• BMO Bank National Association in Omaha, NE — 11 branches
• First Interstate Bank in Omaha, NE — 8 branches
• Associated Bank, National Association in Omaha, NE — 8 branches
• JPMorgan Chase Bank, National Association in Omaha, NE — 7 branches
• U.S. Bank National Association in Lincoln, NE — 7 branches
• Security National Bank of Omaha in Omaha, NE — 7 branches
• West Gate Bank in Lincoln, NE — 6 branches
• First Interstate Bank in Lincoln, NE — 5 branches
• Wells Fargo Bank, National Association in Lincoln, NE — 5 branches
• Pinnacle Bank in Omaha, NE — 5 branches

Branch pages in Nebraska

Every office we publish a page for in Nebraska, by town. Each carries what that branch holds, when it opened and the other branches within five miles.

Omaha

• First National Bank of Omaha, 1601 Capitol Avenue — $10.3bn on deposit
• Wells Fargo Bank, 1919 Douglas St — $1.09bn on deposit
• Associated Bank, 8990 W Dodge Rd — $1.01bn on deposit
• U.S. Bank, 1700 Farnam St — $923m on deposit
• Security National Bank of Omaha, 1120 S 101st St — $618m on deposit
• Dundee Bank, 5015 Underwood Ave — $465m on deposit
• Equity Bank, 13333 California St — $450m on deposit
• First Westroads Bank, Inc., 15750 W Dodge Rd — $264m on deposit
• Premier Bank, 16802 Burke St — $188m on deposit
• Wells Fargo Bank, 13259 Millard Ave — $177m on deposit
• U.S. Bank, 8800 W Center Rd — $177m on deposit
• U.S. Bank, 222 S 72nd St — $161m on deposit
• Associated Bank, 3147 Ames Ave — $121m on deposit
• U.S. Bank, 5332 S 138th St — $101m on deposit
• First Interstate Bank, 6001 Nw Radial Hwy — $78m on deposit
• Wells Fargo Bank, 5180 Ames Ave — $65m on deposit

Lincoln

• Union Bank and Trust Company, 3643 S 48th St — $3.90bn on deposit
• West Gate Bank, 6003 Old Cheney Rd — $772m on deposit
• Wells Fargo Bank, 210 N 14th St — $439m on deposit
• Cornhusker Bank, 8310 O St — $383m on deposit
• Pinnacle Bank, 1401 N St — $365m on deposit
• Security First Bank, 5505 Red Rock Ln — $300m on deposit
• U.S. Bank, 233 S 13th St — $258m on deposit
• First State Bank Nebraska, 2701 Grainger Pkwy — $246m on deposit
• Pinnacle Bank, 6145 Havelock Ave — $111m on deposit
• U.S. Bank, 5501 S 56th St — $98m on deposit
• City Bank & Trust Co., 2929 Pine Lake Rd — $87m on deposit

Grand Island

• Five Points Bank, 2015 N Broadwell Ave — $290m on deposit
• First National Bank of Omaha, 810 Allen Dr — $118m on deposit
• Union Bank and Trust Company, 2008 N Webb Rd — $85m on deposit

South Sioux City

• F&M Bank, 2024 Dakota Ave — $98m on deposit
• BankFirst, 3800 Dakota Ave — $78m on deposit
• Siouxland Bank, 1001 W 29th St — $74m on deposit

La Vista

• Access Bank, 7223 S 84th St — $79m on deposit
• Associated Bank, 8004 S 84th St — $50m on deposit

Papillion

• Pinnacle Bank, 122 W Cedardale Rd — $321m on deposit
• Associated Bank, 1413 S Washington St — $144m on deposit

Bellevue

• U.S. Bank, 1001 Fort Crook Rd N — $58m on deposit

Elkhorn

• American Interstate Bank, 3331 N 204th St — $111m on deposit

Ralston

• Wells Fargo Bank, 4725 S 84th St — $256m on deposit

Every credit union with an office in Nebraska

63 federally insured credit unions run 150 offices in Nebraska, between them serving 19,530,499 members. 25 carry the NCUA's low-income designation. Figures are from each credit union's own NCUA Call Report.

• Navy Federal Credit Union — 1 office in Nebraska, 15,350,733 members, $203.6bn in assets, net worth ratio 11.37%.
• Pentagon — 3 offices in Nebraska, 2,759,060 members, $29.4bn in assets, net worth ratio 10.47%.
• Greenstate — 1 office in Nebraska, 408,586 members, $11.2bn in assets, net worth ratio 8.71%.
• Veridian — 6 offices in Nebraska, 374,001 members, $8.90bn in assets, net worth ratio 11.47%.
• Centris — 12 offices in Nebraska, 131,382 members, $1.48bn in assets, net worth ratio 9.44%.
• Cobalt — 18 offices in Nebraska, 117,031 members, $1.33bn in assets, net worth ratio 8.95%.
• Meridian Trust — 2 offices in Nebraska, 43,655 members, $728m in assets, net worth ratio 12.78%.
• Metro CU — 6 offices in Nebraska, 44,832 members, $643m in assets, net worth ratio 12.54%.
• Liberty First — 7 offices in Nebraska, 35,653 members, $512m in assets, net worth ratio 14.91%.
• Siouxland — 2 offices in Nebraska, 25,513 members, $354m in assets, net worth ratio 11.87%.
• Nebraska Energy — 1 office in Nebraska, 12,232 members, $330m in assets, net worth ratio 18.84%.
• The Family — 1 office in Nebraska, 19,735 members, $249m in assets, net worth ratio 13.95%.

A credit union is measured differently from a bank and the numbers are not interchangeable: the net worth ratio here is the NCUA's capital measure under 12 CFR 702, where 7% is well capitalised, and shares are the credit union equivalent of deposits. Membership usually turns on where you live or work, so a local credit union is often open to you even when its name suggests otherwise.

What makes a Nebraska bank account worth opening

Look at four things in order: the APY (does it beat the FDIC national average of about 0.60%?), the monthly fee (anything above $0 should come with a clear waiver path), the minimum opening deposit, and the membership rule for credit unions. Nebraska residents typically qualify for at least one large state-chartered credit union on residency alone, and that credit union is often the highest-APY option available locally.

Is my money safe at a Nebraska bank or credit union?

Yes, if the institution is federally insured. FDIC covers banks up to $250,000 per depositor, per ownership category; NCUA covers credit unions at the same limits. Every institution in this directory carries one of those insurances — the FDIC or NCUA ID is listed on the full provider row.

Best banks in Nebraska cities

Related guides for Nebraska savers

• How to Choose a High-Yield Savings Account
• HYSA vs Money Market vs CDs
• Best High-Yield Savings Accounts This Month
• Best Bank Account Bonuses This Month

Rates and fees change frequently. Confirm current figures directly with each institution before applying, and see our editorial methodology for how this directory is built and maintained.