Bank · FDIC insured
O'Bannon Bank CD Rates
O'Bannon Bank’s best CD rate is 4.00% APY on a 6-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How O'Bannon Bank’s CD rates compare
Compared with banks and credit unions near Springfield, MO, where O'Bannon Bank has the most branches. $10,000, best rate first.
This bank’s best
O'Bannon Bank
4.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $198
Certificates of Deposit
Top rate
OMB Bank
4.65%APY
- Term
- 21 months
- Minimum
- $1,000
- Earns on $10,000
- $828
2nd-highest rate
Guaranty Bank
4.49%APY
- Term
- 10 months
- Minimum
- $500
- Earns on $10,000
- $373
O'Bannon Bank CD score
84
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo3.34%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where O'Bannon Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.00%APY · 8 terms
$1,000 minimum required to open and obtain APY. Rates subject to change without notice. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.55% | $88 |
| 6 months | 4.00% | $198 |
| 12 months | 3.80% | $380 |
| 18 months | 3.65% | $552 |
| 24 months | 3.44% | $700 |
| 36 months | 3.34% | $1,036 |
| 48 months | 3.19% | $1,338 |
| 60 months | 3.03% | $1,610 |
Sources (1)
- obannonbank.com/personal/cd-s · captured Sep 17, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 3.82%APY · 5 terms
$100 minimum to open and obtain APY. Contribution limits and withdrawal requirements governed by IRA rules. Interest compounded daily. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFixed rate | 3.82% | $382 |
| 12 monthsVariable rate; interest may change quarterly | 3.72% | $372 |
| 18 monthsFixed rate | 3.67% | $556 |
| 18 monthsVariable rate; interest may change quarterly | 3.51% | $531 |
| 36 monthsFixed rate | 3.46% | $1,074 |
| 36 monthsVariable rate; interest may change quarterly | 3.30% | $1,023 |
| 48 monthsFixed rate | 3.20% | $1,343 |
| 60 monthsFixed rate | 3.05% | $1,621 |
Sources (1)
- obannonbank.com/personal/ira-s · captured Sep 17, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.