ACCESSbank (NE) Offers Rate-Leading 30-Month CD Special


Deal Summary: 30-month CD Special, 5.50% APY, $1k minimum deposit.

Availability: Greater Omaha (NE) metro area.

ACCESSbank is currently offering four CD Specials, with the 30-month CD Special having the most competitive rate. Earning 5.50% APY, the 30-month CD Special can be opened with a $1k minimum deposit and has no stated balance cap. CSR stated the CD Specials are limited-time offerings, but was unable to provide a specific end-date.

5.50%$1k-ACCESSbank13 Month CD Special
5.25%$1k-ACCESSbank8 Month CD Special
5.25%$1k-ACCESSbank3 Month CD Special
5.00%$1k-ACCESSbank30 Month CD Special
Rates as of December 11, 2023.

Early Withdrawal Penalty

According to CSR, the Early Withdrawal Penalty for the 30-month CD Special is 12 months of interest on the amount being withdrawn. Partial withdrawals are permitted, but any withdrawal made within the first 12 months from account opening will reduce the principal.

Availability and Account Opening

Headquartered in Omaha, Nebraska, ACCESSbank is a “full-service, locally owned bank catering to customers in the Greater Omaha area.”

While an ACCESSbank checking account can be opened online, CDs must be done in-person at any of seven full-service Nebraska branches located in La Vista, Omaha (5), and Papillion.

Funding and Other Details

The following information is from a conversation with CSR.

  • Funding – ACH, wire, check, or internal transfer.
  • Ownership – Individual, joint, or trust.
  • Interest – Compounded daily/credited quarterly and at maturity and can be paid out quarterly by check.
  • Maturing Funds – Check to the address on file or internal transfer to an ACCESSbank checking or savings account.
  • Beneficiaries – Unlimited with equal shares. Social Security number not required.
  • Grace Period – 10 calendar days before automatic renewal.
  • Credit Check – ChexSystems.

Bank Overview

ACCESSbank has an overall health grade of "A" at, with a Texas Ratio of 0.12% (excellent), based on June 30, 2023 data. In the past year, ACCESSbank’s total non-brokered deposits have decreased by -$4.38 million, an average annual growth rate of -0.56%. Please refer to our financial overview of ACCESSbank (FDIC Certificate # 58727) for more details.

Opening its doors in 2007, ACCESSbank was the “last bank chartered out of the Kansas City Federal Reserve before the Great Recession in 2008.” The 2017 acquisition of the Bank of Nebraska doubled ACCESS bank’s assets to $500 million and added six branch locations. ACCESSbank is currently the 20th largest bank headquartered in Nebraska, with assets in excess in $940 million and more than 14,000 customer accounts.

How the 30-Month CD Special Compares

When compared to similar length-of-term CDs tracked by which are available within the market area, have fixed rates, and have minimum deposit requirements of $10k or less, no banks or credit unions have higher rates than currently offered on the ACCESSbank 30-month CD Special. The following table compares the 30-month CD Special to the two highest-rate CDs from other banks and the two highest-rate CDs from credit unions.

The above information and rates are accurate as of 11/10/2023.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: Omaha CD rates, 5-year CD rates

  |     |   Comment #1
KEN: Is it possible to add "30-month" to the main drop-down CD RATES menu on the main page?

30 months is a sweet spot for many of us, and many places (like here) offer a 30mo CD, just as many places offer an 18mo CD.

You have all the other choices up there (6mo, 1yr, 18mo, 2yr, 3yr, 4yr, 5yr, 6+) but not 30mo.

Would it be possible to add the 30mo term to the main drop-down for CD Rates? Otherwise, it's near impossible to compare rates except hunt-and-peck one by one to see which places offer 30mo terms. Many of my CDs are 30mos from various places, and it would really help if just one more catagory -- 30mo -- could be added to the quick drop-down list....

Thank you!
Ken Tumin
  |     |   Comment #2
Thanks for your suggestion. I'll forward your request to our website team. The main concern with new tables is if there are enough CDs to fill the tables. As you mentioned, the 30mo term may be about as common as the 18mo term. Currently, our 24mo table includes terms from 21mo to 29mo and our 36mo table includes terms from 30mo to 41mo. Based on this, a new 30mo table would include terms from 27mo to 32mo.
Competitive 19-Month CD Special at ACCESSbank in Omaha Nebraska - Local Only

ACCESSbank is offering a special 19-month CD with a 2.10% APY. Minimum deposit is $1,000, and new money is required. This special is listed at the bottom of the bank's rates page as of 4/20/2010.

The bank also offers a very competitive high-yield reward checking account that currently pays 4.14% APY on balances up to $25K. This rate has held since last June when I did my first review of this account.

There's also a good deal for businesses. It's offering a money market business account with a 2.50% APY for balances...

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4.14% Reward Checking Account at ACCESSbank in Nebraska - Local Only
ACCESSbank is offering a high interest reward checking account called totalACCESS Checking. The account offers the following rates and features if certain monthly requirements are met:
  • 4.14% APY on balances up to $25,000
  • 0.25% base rate up to $25,000 if qualifications are not met
The monthly requirements include:
  • 10 debit card purchases
  • One direct deposit
  • Receive e-statements
Additional rates and features of the account regardless of the monthly requirements include:
  • 1.00% on portion of balance over $25,000
  • Refunds ATM fees in the continental US
  • $100 minimum initial deposit
  • No minimum balance requirement
  • No monthly service charge
  • Free first box of checks
  • Free Online Bill...

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