Bank · FDIC insured
OMB Bank Savings Rates
OMB Bank’s best savings rate is 0.05% APY on $10,000, with its OMB Money Market. Rates checked October 16, 2026.
How OMB Bank’s savings 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
1.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $100
OMB High Interest Savings
Top rate
Metro Credit Union
5.09%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $509
2nd-highest rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
OMB Bank savings score
68
Savings score
Higher than 21% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.15%
- QualifiedQualified1.00%
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 OMB Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
OMB Money Market
0.05%APY
A $10.00 service charge is imposed each monthly statement cycle if the balance falls below $1,000.00 any day of the cycle. Up to 8 withdrawals or transfers allowed per statement cycle; $3.00 fee per excess debit transaction. Variable interest compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Applies to daily balances less than or equal to $24,999.99 (or up to $25,000). $10.00 monthly fee waived if balance stays at or above $1,000.00 all statement cycle. | 0.05% | $5 | Applies to daily balances less than or equal to $24,999.99 (or up to $25,000). $10.00 monthly fee waived if balance stays at or above $1,000.00 all statement cycle. |
| $25,000 – $50,000Applies to daily balances from $25,000.00 to $49,999.99. $10.00 monthly fee waived if balance stays at or above $1,000.00 all statement cycle. | 0.05% | — | Applies to daily balances from $25,000.00 to $49,999.99. $10.00 monthly fee waived if balance stays at or above $1,000.00 all statement cycle. |
| $50,000 – $100,000Applies to daily balances from $50,000.00 to $99,999.99. $10.00 monthly fee waived if balance stays at or above $1,000.00 all statement cycle. | 0.05% | — | Applies to daily balances from $50,000.00 to $99,999.99. $10.00 monthly fee waived if balance stays at or above $1,000.00 all statement cycle. |
| $100,000 – $200,000Applies to daily balances from $100,000.00 to $199,999.99. $10.00 monthly fee waived if balance stays at or above $1,000.00 all statement cycle. | 0.15% | — | Applies to daily balances from $100,000.00 to $199,999.99. $10.00 monthly fee waived if balance stays at or above $1,000.00 all statement cycle. |
| $200,000 and upApplies to daily balances of $200,000.00 and greater. $10.00 monthly fee waived if balance stays at or above $1,000.00 all statement cycle. | 0.20% | — | Applies to daily balances of $200,000.00 and greater. $10.00 monthly fee waived if balance stays at or above $1,000.00 all statement cycle. |
Sources (2)
All captured Oct 5, 2026
OMB Classic Savings
0.05%APY
A service charge of $2.00 is imposed every quarterly statement cycle if the balance falls below $200.00 on any day of the cycle. Up to 8 withdrawals/transfers per calendar month; $3.00 fee per debit transaction in excess of 24 per quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded and credited quarterly.Any balance | 0.05% | $5 | Compounded and credited quarterly. |
Sources (3)
- ombbank.com/personal-banking
- ombbank.com/personal-banking/personal-savings
- ombbank.com/personal-banking/p…-savings/classic-savings
All captured Oct 5, 2026
OMB High Interest Savings
0.00%APY on $10,000
Requires an open and active OMB High Interest Checking or OMB Rewards Checking account to qualify for highest rates. Limit 1 account per Social Security number. Up to 8 withdrawals or transfers per calendar month.
| Part of the balance | Rate on that part |
|---|---|
| $100,000 and up | 0.25% |
On $10,000 the tiers blend to about 0.00% APY, earning $0 a year.
Special-purpose accounts
Health Savings Account (HSA)
0.15%APY
Must be enrolled in a High-Deductible Health Plan (HDHP). Free debit card included for qualified medical expenses.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Paid on entire balance if daily balance is less than $10,000.00. | 0.05% | — | Paid on entire balance if daily balance is less than $10,000.00. |
| $10,000 – $25,000Paid on entire balance for daily balances from $10,000.00 to $24,999.99. | 0.15% | $15 | Paid on entire balance for daily balances from $10,000.00 to $24,999.99. |
| $25,000 and upPaid on entire balance for daily balances $25,000.00 and greater. | 0.20% | — | Paid on entire balance for daily balances $25,000.00 and greater. |
Youth Savings
0.05%APY
Designed for children and teens age 18 and under; must be opened with a parent or legal guardian. A service charge of $2.00 is imposed every statement cycle if the daily balance falls below $20.00 on any day of the cycle.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded and credited quarterly.Any balance | 0.05% | $5 | Compounded and credited quarterly. |
Sources (3)
- ombbank.com/personal-banking
- ombbank.com/personal-banking/personal-savings
- ombbank.com/personal-banking/p…al-savings/youth-savings
All captured Oct 5, 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.