Best Banks & Credit Unions in Lincoln, Nebraska

Banks and credit unions serving Lincoln, Nebraska. Compare up to 1.00% APY, fees, minimums and membership rules, dated when we read them.

This page covers banks, credit unions, and local branches available to residents of Lincoln, Nebraska. All rankings inherit from the Nebraska state directory. Every institution listed is licensed to serve Lincoln residents and is either headquartered in Nebraska or operates branches in the metro.

Top options in Lincoln

• Cobalt Credit Union: 3.90% APY. 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: 3.85% APY. 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: 3.85% APY. 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: 3.70% APY. 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: 3.29% APY. 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: 3.00% APY. 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.

Banks with more than one branch in Lincoln

Each opens every one of that bank's offices in Lincoln, with the address of each and what it holds.

• Union Bank and Trust Company in Lincoln: 19 branches
• Pinnacle Bank in Lincoln: 11 branches
• U.S. Bank National Association in Lincoln: 7 branches
• West Gate Bank in Lincoln: 6 branches
• First Interstate Bank in Lincoln: 5 branches
• Wells Fargo Bank, National Association in Lincoln: 5 branches

Other Nebraska cities

See the full Nebraska banks directory for every institution we've verified in the state, plus the underlying methodology.