CD, Flex Savings - You Choose

Your financial journey is unique. That's why we put YOU in control. Choose a competitive CD with the best term for you or the benefit of flexibility with a Flex Savings account or $25K Money Market account.

A CD is a reliable return, allowing you to lock in a fixed rate and watch your money grow over time, unaffected by market fluctuations.

A Flex Savings account is a flexible savings solution that gives you a higher rate of return without locking up your money in a long-term commitment.

Earn more, save more, so you can do more.

3, 7 or 17-Month CD 5.50% APY*

Deposit as little as $500 today and earn more tomorrow.

Account Summary

  • Minimum deposit of $500
  • Interest compounded daily
  • Automatic CD renewal1
  • Option to withdraw funds at maturity2
6 Month Lock Rate4 4.75% APY3

Get a higher rate of return with a Flex Savings account and earn 4.75% APY3

If your money is going into a traditional savings account, it isn't working hard enough for you. How about a higher rate of return without locking up your money in a long-term commitment?

Account Summary4

  • Higher interest rates than traditional savings accounts
  • Unlimited deposits
  • Two free withdrawals per month5
  • No monthly fee with $1,000 minimum daily balances
  • Rate locked for 6 months
  • You can request a new rate lock period at any time for an additional 6 months

Savings Account Benefits

24-Hour Banking

Access your account 24/7 with free online, mobile and FNBO ATM banking. And, for fast and easy account management, download our FNBO banking app for quick glance balance checks, mobile check deposit, ATM locator and so much more.

Direct Deposit

With direct deposit, checks can be automatically deposited into your FNBO account, at whatever amount you desire. Direct deposit makes saving money simple and easy.

FDIC Insurance

FNBO is a member of the Federal Deposit Insurance Corporation (FDIC), which means you can have peace of mind that your deposited account are insured.

Business Owners, Earn 4.25% APY with Intro Business Savings

  • 4.25% APY* for up to 6 months on balances up to $250,000.99
  • $100 minimum opening deposit
  • No minimum monthly balance requirement
  • No monthly maintenance fees
  • Unlimited withdrawals

View Deposit Agreement

*Premier CD Annual Percentage Yield accurate as of 8/16/23. $500 minimum balance required to obtain advertised APY. FNBO Premier Checking Account required to obtain rate.

CD accounts will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty. This account will not renew if you withdraw the funds on the maturity date or if we receive written notice from you on or before the maturity date of your intention not to renew.

You will be notified at maturity; a penalty may be assessed for early withdrawal. Fees could reduce earnings.

A Guide to your Savings Account (PDF)

Flex Savings Annual Percentage Yield accurate as of 8/16/23. Rates may change after the account is opened; the Lock Rate will not change during the rate lock period. Fees may reduce earnings on the account.

Flex Savings allows you to lock the rate and Annual Percentage Yield on this account for 6 months. In order to receive this rate, a First National checking account is required. If the checking account is closed during the rate lock period, the Flex Savings rate may be lowered to the then applicable “Base Rate" as provided in the rate sheet. At the end of your current 6 month rate lock period, you can request a new rate lock period for an additional 6 months at the then applicable “Lock Rate”. See rate sheet for details. A penalty may apply for early closure of this account.

Each subsequent withdrawal will be charged an excessive withdrawal fee of $25. A surcharge may be assessed when using other bank ATMs and ATMs not operated or contracted by First National Bank of Omaha.