Adams Bank & Trust is a family owned regional bank based in Ogallala, Nebraska.  The bank’s history began in 1916 with a charter for a new state bank being granted to G.D. Adams.  Mel Adams, the current chairman, is the grandson of the founder.  Adams Bank & Trust is one of the largest agricultural lending institutions in the United States.  The bank offers competitive agricultural loan rates for real estate, operating, livestock and equipment.  The bank has been positioning itself to offer bank services and products beyond agriculture, although it remains a significant component of the banks operations.  The bank offers competitive rates for loans on commercial real estate, consumer loans, real estate loans, operating and equipment loans.  Adams Bank & Trust provides financial services including estate planning, and investments such as annuities and mutual funds.  The bank also offers standard consumer products such as checking accounts, money market accounts and certificates of deposit.

For clients interested in the CD features, you can invest your funds in a CD for any term ranging from 1 month to 60 months and receive a corresponding rate of interest for that term.  Options for interest include compounding or deposit to another account at Adams Bank & Trust.  The current CD rates being offered by Adams Bank & Trust include:

1 month CD that earns an interest rate of 0.50% APY
3 month CD that has an interest rate of 1.00% APY
6 month CD has an interest rate of 1.60% APY
One year CD rate is 2.00% APY
18 month CD earns an interest rate of 2.35% APY
Two year CD rate is 3.00% APY
30 month CD has an interest rate of 2.80% APY
Four year CD yields a rate of 3.00% APY
Five year CD rate is 3.10% APY

CD interest rates and annual percentage yield may change and additional conditions may apply.  Contact a local Adams Bank & Trust location for current bank rates and CD rates, the main office phone number is 800-422-3488.  The bank website contains additional account and product information as well as timely bank rate date, the website can be found at

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