Personal CDs

(Certificates of Deposit)

When you want your money to work harder, we offer high rates that help you bring home a little more.

Check Our Rates

1 Year CD

3.25% APY

2 Year CD

3.15% APY

3 Year CD

3.15% APY
$1000 minimum balance is required to open the account and obtain the advertised APY. Early Withdrawal Penalty applies. Fees may reduce earnings. APY is Annual Percentage Yield. Displayed rates are accurate as of December 1, 2025.

Make Your Money Work for You

We know your financial journey is personal. That's why we offer flexible options and great rates—so you can build what works for you.

Competitive, High-Interest Rates

More growth equals more possibility, so we work to maintain rates that give you a great return.

No Monthly Maintenance Fees

When you save on fees every month, your CD will grow faster over time.

Flexible Terms

Whether you're looking for a short-term option or a long-haul partner, we have options for every situation.

How To Get Started

If you're ready to start earning more every month, you can get started in just a few steps.

first

Apply Online

Complete an application in minutes with our streamlined application process.

second

Transfer Funds Into Your Account

Add $1,000 or more into your new Nelnet Bank Certificate of Deposit account.

third

Start Earning Interest

Interest compounds daily and pays monthly, so your money will start growing from day 1.