Personal CDs

Get on a path of growth with daily compounding interest from Nelnet Bank.

Check Our Rates

When You Want Your Money To Work Harder, We Offer High Rates That Help You Bring Home A Little More Bang With Each Buck Invested.

Open Account

12 months


2 years


3 years


Displayed rates are accurate as of June 17, 2024 and may be different at the time you apply.

APY is Annual Percentage Yield

Fee schedule: Early Withdrawal Penalty Applies See Disclaimer 1.
$15 Outgoing Wire Fee.

Grow Your Money On Your Terms

We know every person has unique financial challenges and goals – but they’re all looking for the best deal possible. So we offer great rates, and let you build the right package for your road ahead.

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.


Apply Online

Complete an application in minutes with our streamlined application process.


Transfer Funds Into Your Account

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


Start Earning Interest

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

Already Have an Account?

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1For terms 6 months or less, the penalty is 30 days’ simple interest. For terms more than 6 months and up to 12 months, the penalty is 90 days’ simple interest. For terms more than 12 months and up to 2 years, the penalty is 180 days’ simple interest. For terms more than 2 years and up to 5 years, the penalty is 365 days’ simple interest. For terms more than 5 years and up to 10 years, the penalty is 540 days’ simple interest. back