Bank · FDIC insured
OMB Bank CD Rates
OMB Bank’s best CD rate is 4.65% APY on a 21-month CD. Terms run from 3 months to 6 years. Rates checked October 16, 2026.
How OMB Bank’s CD rates compare
Compared with banks and credit unions near Springfield, MO, where OMB Bank has the most branches. $10,000, best rate first.
This bank’s best
OMB Bank
4.65%APY
- Term
- 21 months
- Minimum
- $1,000
- Earns on $10,000
- $828
Certificates of Deposit
2nd-highest rate
Guaranty Bank
4.49%APY
- Term
- 10 months
- Minimum
- $500
- Earns on $10,000
- $373
3rd-highest rate
Academy Bank
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
OMB Bank CD score
94
CD score
Higher than 97% of U.S. banks and credit unions
- 3–8 months3–8 mo4.41%
- 9–15 months9–15 mo4.46%
- 16–30 months16–30 mo4.65%
- 31–60 months31–60 mo0.70%
- QualifiedQualified4.65%
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 OMB 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 4.65%APY · 15 terms
All OMB Bank CDs can be opened online nationwide or at any OMB Bank branch. Requires a $1,000 minimum opening deposit and a minimum balance of $0.01 to earn APY. Rates are fixed for the selected term. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsInterest compounds at maturity. Renewal rate is based on the 3-month board rate in effect at time of maturity | 4.05% | $100 |
| 5 months5-Month CD Special. Interest compounds quarterly. Renewal rate is based on the 3-month board rate in effect at time of maturity | 4.41% | $181 |
| 6 monthsInterest compounds quarterly | 0.20% | $10 |
| 7 months7-Month Special. Interest compounds quarterly. Renewal rate is based on the 6-month board rate in effect at time of maturity | 4.10% | $237 |
| 9 monthsInterest compounds quarterly. Renewal rate is based on the 9-month board rate in effect at time of maturity | 4.46% | $333 |
| 12 monthsInterest compounds quarterly | 0.45% | $45 |
| 13 months13-Month Special. Interest compounds quarterly. Renewal rate is based on the 12-month board rate in effect at time of maturity | 4.31% | $468 |
| 18 monthsInterest compounds quarterly. Renewal rate is based on the 18-month board rate in effect at time of maturity | 4.31% | $653 |
| 21 months21-Month CD Special. Interest compounds quarterly. Renewal rate is based on the 18-month board rate in effect at maturity | 4.65% | $828 |
| 24 monthsInterest compounds quarterly | 0.60% | $120 |
| 27 months27-Month Special. Interest compounds quarterly. Renewal rate is based on the 24-month board rate in effect at time of maturity. No setup or maintenance fees | 3.50% | $805 |
| 36 monthsInterest compounds quarterly | 0.70% | $211 |
| 48 monthsInterest compounds quarterly | 0.70% | $283 |
| 60 monthsInterest compounds quarterly | 0.70% | $355 |
| 72 monthsInterest compounds quarterly | 0.80% | $490 |
Sources (8)
- ombbank.com
- ombbank.com/deposit-rates
- ombbank.com/personal-banking/p…/certificates-of-deposit
- ombbank.com/personal-banking/p…cates-of-deposit/3-month
- ombbank.com/personal-banking/p…month-high-yield-special
- ombbank.com/personal-banking/p…osit/13-month-cd-special
- ombbank.com/personal-banking/p…s-of-deposit/18-month-cd
- ombbank.com/personal-banking/p…month-high-yield-special
All captured Oct 16, 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.