First national bank of omaha cd rates

Discover more about ACCOUNT Interest Rates

* Member FDIC * Rates and APY effective and accurate as of March 23, 2022

Deposit Accounts

Account TypeMinimum DepositInterest RateAPY
First Choice Account $50 .15% .15%
SuperNow (SNA)* $2,000 .25% .20%
Money Market (CMA)* $3,000 .30%
.25%
Statement Savings* $25 .25% .20%
Christmas Club* $5 3.00% 3.00%

* Penalty for early withdrawal may be imposed.
* APY means Annual Percentage Yield
* Fees may reduce earnings
* Rates are variable and may change after account is opened


Certificate of Deposit

Account TypeMinimum DepositInterest RateAPY
3 month CD $1,000
1.00% .80%
6 month CD* $1,000
1.05%
.85%
10 month CD $1,000
1.10% .90%
12 month CD* $1,000 1.15% .95%
18 month CD* $500
1.20% 1.00%
24 month CD* $500

1.25%

1.05%

30 month CD* $500
1.30% 1.10%
36 month CD* $500
1.35% 1.15%
60 month CD* $500 1.40% 1.20%
See Officer $250,000.01 --
--

* Interest may be compounded quarterly
* Monthly check only if over $50.00
* APY means Annual Percentage Yield
* No monthly compounding on any CD
* A penalty will or may be imposed for early withdrawal.


Retirement Accounts

Account TypeMinimum DepositInterest RateAPY
IRA (Traditional-Variable)* $100 1.20% 1.00% 
IRA (Roth-Variable)* $100 
1.20% 
1.00% 
IRA (Educational-Variable)* $100 
1.20% 
1.00% 
IRA (Guaranteed-Fixed)* $500 1.00% 
.80% 

* Interest compounded monthly

* APY means Annual Percentage Yield
* A penalty will or may be imposed for early withdrawal.
* Retirement Account Rates (except for the Guaranteed Fixed IRA) are variable and may change after the account is opened.


CDARS

Account TypeMinimum DepositInterest RateAPY
3 month (13 wk)*
$250,000.01 
1.10% .90%
6 month (26 wk)*
$250,000.01 
1.15%
.95%
1 year (52 wk)*
$250,000.01 
1.25% 1.00%
2 year (104 wk)*
$250,000.01 
1.35% 1.05%
3 year (156 wk)* $250,000.01 
1.45% 1.25%




* APY means Annual Percentage Yield.
* Fees could reduce earnings on an account.
* A penalty will or may be imposed for early withdrawal.
* Deposit Account and Retirement Account Rates (except for the Guaranteed Fixed IRA) are variable and may change after the account is opened.

First National Bank of Omaha Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First National Bank of Omaha. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First National Bank of OmahaU.S. Bank Average
3.06% 4.06%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2022, First National Bank of Omaha had $92,346,000 in non-current loans and $1,110,000 in owned real estate. To cover these potential losses it had $2,745,568,000 in equity and $311,008,000 in loans loss reserves. That gives it a Texas Ratio of 3.06%.

Return on Equity
First National Bank of OmahaU.S. Bank Average
13.4% 9.98%

First National Bank of Omaha has a Return on Equity of 13.4% versus the BestCashCow average of 9.98%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First National Bank of OmahaU.S. Bank Average
10.63% 10.23%

First National Bank of Omaha has a Capitalization of 10.63% versus the BestCashCow average of 10.23. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First National Bank of Omaha Balance Sheet Analysis

As of June 30, 2022, First National Bank of Omaha had assets of $25,840,035,000, loans of $17,862,333,000, and deposits of $22,478,828,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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What is First National Bank CD rates?

* Interest rates and Annual Percentage Yields (APY) are accurate as of 11/04/2022 and are subject to change without notice. ... Online Deposit Rates..

What is the interest rate for First National Bank of Omaha?

The First National Bank of Omaha credit card interest rate is 20.99% (V) to 27.74% (V), depending on an applicant's creditworthiness and the card they're applying for.

What CD rates will rise in 2022?

Though the Federal Reserve is poised to raise rates three times in 2022, McBride's forecast calls for just two hikes, with the national average for one-year CDs rising to 0.35 percent and the average for five-year CDs climbing to 0.56 percent.