Certificate of Deposit

7-Month 4.35% APY* or
17-Month 4.26% APY*


Flex Savings

6 Month Lock Rate4 4.25% APY3

7 month cd 4.35% APY and 17 month CD 4.26% APY. Requires an FNBO Premier Checking Account. Offer available in the Wyoming market. Annual Percentage Yield accurate as of 5/16/23. Member FDIC.

7-Month 4.35% APY* or 17-Month 4.26 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 rate footnote 4. Annual Percentage Yield APY as of 5/3/23. 4.25% APY footnote 3. Offer valid in Wyoming. Checking Relationship Required. Minimum Deposit to Open $1,000. Minimum Balance for APY $1,000.

Get a higher rate of return with your savings account.

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 to a long-term commitment?

Account Summary4

  • Higher interest rate than traditional savings accounts
  • Unlimited deposits
  • Two free withdrawals per month5
  • No monthly fee with $1,000 minimum daily balance
  • Rate locked for 6 months
  • Option to lock rate for an additional 6 months after current term expires

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.

Federal Deposit 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.

Banking with Impact.

As the 'great big small bank,' our purpose is to improve the financial wellbeing of our customers and ensure the success of all the communities we call home. We firmly believe that for a community to be strong, every individual must also have the resources and opportunities to succeed.

When an individual is financially well, they can afford the things they want and need. They can also save for the future, create generational wealth, and help support their local economies. Of equal importance, when an individual is financially well, they experience less financial stress, can focus on what matters most to them, and simply enjoy life more.

We're independent, family-owned, and focused on the long view instead of the next quarter. It's been our recipe for success for more than 164 years. Since our inception, our holding company - First National of Nebraska - has grown to nearly 5,000 employees with locations in eight states and $26 billion in assets. We use this success to invest millions back into our communities, focusing on key areas of need, such as Affordable Housing & Neighborhood Stability, Entrepreneurship & Small Business Development, Education & Workforce Development, and Environmental Sustainability.

View Deposit Agreement

* Requires an FNBO Premier Checking Account. Offer available in the Wyoming market only. Annual Percentage Yield accurate as of 5/16/23.

1 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.

2 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)

3 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.

4 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.

5 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.