Featured Savings Rates
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First Nebraska Bank

Popular Accounts at this Bank

2.00%Reward CheckingPerformance Checking Account
1.50%5-year CD60 Month Certificate
0.15%1-year CD12 Month Certificate-No Penalty

Overview / Commentary
330 North Spruce Street
Valley, NE 68064

First Nebraska Bank is headquartered in Valley and is the 39th largest bank in the state of Nebraska. It is also the 2,332nd largest bank in the nation. It was established in 1934 and as of December of 2015, it had grown to 79 employees at 14 locations. First Nebraska Bank has a B+ health rating.

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Reviews (3)

First Nebraska Bank

Posted by: GoHuskers | Jul 17, 2012

Great bank, friendly staff, local management able to make quick decisions.   Very competitive with mortgage rates.  Highly recommended.  

Rewards Checking Rate Going To 3% Feb 1, 2011

Posted by: SmlBnkr | Jan 30, 2011

Well, here is the lame attempt (below) at an explanation as to why these guys are lowering their rates - AGAIN.  For some reason other banks continue to offer 4+% rewards checking......but the economy is apparently too sluggish for First Nebraska Bank to continue to offer this rate.

Time to move your money all....my recommendation is Bank of Nebraska.  They currently offer over 4% and have the same account terms, except that you need to rack up 12 card swipes per month versus 10...

(Email I received from First Nebraska Bank):

I know that you are aware that deposit rates have been at historically low levels for quite some time.  With the U.S. Economy continuing to be sluggish, it doesn't appear that these rates will change anytime soon.  Unfortunately this means First Nebraska Bank needs to lower its "Real Checking" interest rate again.  The interest rate on this account will change from 4% APY to 3% APY on February 1, 2011.  We appreciate your understanding the need to lower this rate and thank-you for doing business with First Nebraska Bank.

(They appreciate my understanding?  I'm glad to see that they'll understand why I'm closing this rewards checking account then...)

Weird Bank

Posted by: ts | Aug 31, 2010

This bank operates in a weird way. A month and a half after I opened my account, they closed it without notice because I made a ACH transaction that made my balance zero (not overdraft). This was weird because the account was a 'no minimum balance account', and so a zero balance should be okay. I called them and explained that I never asked for a closure. So they reopened it, but after a week I get a call stating that they are closing it again because they don't see any big dollar transactions in the 1.5 months that it was open and apparently because I was 'verbal' on the phone when I had complained about my account being closed without notice. Very weird. Perhaps they want only rich customers. Well, I am doing okay with a 5 figure salary, its just that I decided to wait before entrusting my money to them. So they probably assumed that I am broke. Another possibility is that they might be racist -- looking for just white customers. I am saying this because the vice president seemed to habitually mispronounce and fumble my name a number of times without attempting to actually give it a try to read it right. Overall, a suspect bank, with a suspect management. Stay away. 


Health Grade Components

FDIC Certificate #12248
Year Established1934
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.13%
Return on Equity - YTD11.76%
Annual Interest Income$9.5MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$277.6MM$277.1MM
LoansQ4 2015vs Q4 2014$167.7MM$174.9MM
DepositsQ4 2015vs Q4 2014$241.1MM$244.0MM
Equity CapitalQ4 2015vs Q4 2014$26.5MM$25.4MM
Loan Loss AllowanceQ4 2015vs Q4 2014$2.0MM$1.7MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$108.00K$67.00K
Real Estate OwnedQ4 2015vs Q4 2014$37.00K$72.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Nebraska Bank Savings Account Rates

0.15%--Health Savings Account
0.10%$100-Little Sprout Savings
0.08%$100-Savings Account

First Nebraska Bank Money Market Rates

0.16%*$100k*-Money Market Investment Account
OTHER TIERS: 0.05% Up to $10k | 0.08% $10k - $50k | 0.12% $50k - $100k

First Nebraska Bank Checking Account Rates

2.00%*-$15kPerformance Checking Account
OTHER TIERS: 0.15% $15k+
0.05%--49er Checking Account
0.05%--Hometown Checking Account

First Nebraska Bank CD Rates

1.50%$200-60 Month Certificate
1.35%$200-48 Month Certificate
0.75%$200-36 Month Certificate
0.55%$500-24 Month Certificate
0.25%$500-12 Month Certificate
0.15%$500-6 Month Certificate
0.15%$500-12 Month Certificate-No Penalty

First Nebraska Bank IRA Rates

1.50%$100-IRA - 60 Month
0.45%$100-IRA - 18 Month

First Nebraska Bank Locations
Emerson Branch1000 Main StreetEmerson, NE 68733
Stanton Branch1019 Ivy StreetStanton, NE 68779
Weeping Water Branch107 North Elm StreetWeeping Water, NE 68463
Arcadia Branch155 West BridgeArcadia, NE 68815
Nebraska City Branch2214 S 11th StNebraska City, NE 68410
Columbus Branch3225 - 23rd StreetColumbus, NE 68601
First Nebraska Bank330 North Spruce StreetValley, NE 68064
Heartland Community Bank Branch50 Monroe StreetBennet, NE 68317
Decatur Branch753 S BroadwayDecatur, NE 68020
Brainard BranchMadison StreetBrainard, NE 68626