Rates

Effective on 07/12/2024

Certificates of Deposit

TERMINTEREST RATEAPY*COMPOUNDS
5 Months Special**5.19%5.30%Quarterly
182 Days 1.40%1.41%Quarterly
9 Months1.50%1.51%Quarterly
10 Months Special**4.75%4.84%Quarterly
12 Months1.60%1.61%Quarterly
18 Months Special***4.25%4.32%Quarterly
24 Months1.80%1.81%Quarterly
30 Months1.85%1.86%Quarterly
36 Months1.90%1.91%Quarterly
48 Months2.00%2.02%Quarterly
60 Months2.20%2.22%Quarterly
84 Months****2.40%2.42%Quarterly

$500 minimum deposit. 
**5 Months Special and 10 Months Special - $10,000.00 minimum deposit. 5 months and 10 months reprices to 182 Days COD rate of maturity.
***18 Months Special - $10,000.00 minimum deposit.  
****For 84-Month CD only-- $10,000.00 minimum deposit.
Penalty for early withdrawal.

Savings Accounts

 INTEREST RATEAPY*
Savings Account0.45%0.45%
Health Savings Account (HSA)0.05%0.05%

Fees may reduce earnings on these accounts.  Interest Rate may change. 
Savings: $50.00 deposit to open.  Monthly average balance $100.00 - no monthly maintenance fees.  If monthly average ledger balance falls below $100.00 - $2.00 maintenance fee per month. 
Health Savings: $1.00 deposit to open. Minimum balance above $1,500.00 - no monthly maintenance fees.  If average balance falls below $1,500.00 - $2.00 maintenance fee per month.

Money Market Savings Accounts

TIERSINTEREST RATEAPY*
.01-2,499.990.45%0.45%
2,500.00-49,999.990.55%0.55%
50,000.00-99,999.990.65%0.65%
100,000.00-249,999.990.75%0.75%
250,000.00-$499,999.990.85%0.85%
500,000.00-$999,999.990.95%0.95%
1,000,000.00 and Above1.00%1.00%

Fees may reduce earnings on these accounts. Interest Rate may change. 
$1,000.00 deposit to open.  Daily minimum balance above $1,000.00 - no monthly maintenance fees. 
If daily minimum balance falls below $1,000.00 - $6.00 maintenance fee per month.  Minimum balance to receive APY is $0.01. 

Individual Retirement Accounts

 INTEREST RATEAPY*
Individual Retirement Account (IRA)0.75%0.75%
6-Month IRA CD 1.40%1.41%
12-Month IRA CD1.60%1.61%
36-Month IRA CD1.90%1.91%
84-Month IRA CD2.40%2.42%


Individual Retirement Account: Fees may reduce earnings. Interest Rate may change. No minimum deposit or balance required. 
IRA CDs: $10,000.00 minimum deposit required. Penalty for early withdrawal.

Premier Checking

MINIMUM BALANCEINTEREST RATEAPY*
0.01 - $10,000.003.00%3.00%
10,000.01 - $100,000.000.65%0.65%
100,000.01 - $250,000.000.75%0.75%
250,000.01 and Above0.85%0.85%

Certain qualifications apply to earn these interest rates and if requirements are not met, the balance will earn .05% interest and .05% APY*.

Fees may reduce earnings on these accounts. Interest Rate may change. 
Minimum deposit required to open an account is $50.

Plus Interest Checking Accounts

TIERSINTEREST RATEAPY*
.01-49,999.990.45%0.45%
50,000.00-99,999.990.50%0.50%
100,000.00-249,999.990.60%0.60%
250,000.00-499,999.990.70%0.70%
500,000.00-999,999.990.75%0.75%
1,000,000.00 and Above0.80%0.80%

Fees may reduce earnings on these accounts. Interest Rate may change.
$50.00 deposit to open.  Daily minimum balance above $500.00 - no monthly maintenance fees.  
If minimum balance falls below $500.00 - $6.00 maintenance fee per month. 

Gold Checking Accounts

TIERSINTEREST RATEAPY*
1,000.00-49,999.990.45%0.45%
50,000.00-99,999.990.50%0.50%
100,000.00-249,999.990.60%0.60%
250,000.00 and Above0.70%0.70%

Fees may reduce earnings. Interest Rate may change.
$50.00 deposit to open. $1,000.00 daily minimum balance in order to earn interest. No monthly service charge.

*Annual Percentage Yield
Note: Interest Rates are subject to change without notice.

For Federal Deposit Insurance Corporation (FDIC) purposes, a depositor's account balances in Bruning Bank will be aggregated with any account balances of the depositor in the following offices, branches, or internet sites of Bruning Bank:

Bruning Bank - Hebron Branch
Bruning Bank - Broken Bow Branch
Bruning Bank - Holdrege Branch
Bruning Bank - Kearney Branch
Bruning Bank - Grand Island Branch

The total account balances of a depositor with Bruning Bank and its offices and branches will have the benefit of the deposit insurance coverage that the FDIC provides to a depositor's accounts in a single bank.  To determine the level of FDIC deposit insurance coverage available on accounts in a single bank, please ask for the FDIC brochure "Your Insured Deposit" or visit www.fdic.gov and, in the "Consumer Resources" section, click on "Your Insured Deposit."
 

“We may never understand His wisdom, but we simply have to trust His will.”

Sonny Manley
President
Hebron

“Be kind because everybody is dealing with something you know nothing about.”

Jim Scott
President
Broken Bow

“Part of attaining success is surrounding yourself with people that share the same drive, determination and direction that you want to achieve.  I feel the people we hire at Bruning Bank represent those assets and they strive to help our customers build, grow and thrive in business as well as personal endeavors.” 

Todd Clabaugh
President
Kearney

"You’ve heard this before, '50% of success in your life comes from just showing up, more precisely showing up on time and being there when you are supposed to be.' That does not apply only to financial success it applies to everything. Your persistence in being there and being present and engaged in your family, your church and your work/career, you don’t have to talk a good game to be successful, you need to do. If you show-up, you're half way there.  And when you show-up, help will be available to get you the rest of the way.  Thanks to all of you that show-up!" 

Jerry Catlett
President & COO
Bruning

“At Bruning Bank, we are about building relationships. If you walk through our doors, we want you to feel like family. Whether it is your first time in, or you are a long-established customer, we want your experience to be positive, insightful, and lasting. The people we employ are vital in this role and do an amazing job carrying out the values and mission established by the bank. I truly feel this is what sets Bruning Bank apart from other institutions.“

Luke Thorell
President
Holdrege