Personal CDs
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Daily Compounding interest
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No Maintenance Fees
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$1000 Minimum Balance
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.
The rate is subject to change after the account is opened. $100 minimum balance is required to open the account. Fees may reduce earnings. APY is Annual Percentage Yield. Displayed rates are accurate as of .
How to Get Started
If you’re ready to start earning 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.
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.
Fee Schedule
Always know what you’ll pay.
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CheckEarly Withdrawal Penalty Applies See Disclaimer1
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Check$15 Outgoing Wire Fee
That’s really it. We don’t make our customers pay hidden fees.
View the Personal Account Deposit Agreement
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