Credit union · NCUA insured
OMNI Community Credit Union CD Rates
OMNI Community Credit Union’s best CD rate is 5.00% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How OMNI Community Credit Union’s CD rates compare
Compared with banks and credit unions near Sturgis, MI, where OMNI Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
OMNI Community Credit Union
4.25%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $317
Certificates of Deposit (CD)
Top rate
KCCU
4.45%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $183
2nd-highest rate
Flagstar Bank
4.30%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $430
OMNI Community Credit Union CD score
84
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo0.60%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo1.40%
- QualifiedQualified4.25%
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 OMNI Community Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit (CD)
Up to 4.25%APY · 9 terms
Automatic renewal at maturity.
| Term | APY · Up to $1,000 | APY · $1,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | — | 0.60% | — | 0.60% | $30 |
| 6 monthsJumbo interest rate | — | — | 0.85% | —0.85% from $100k | — |
| 9 monthsCD Special; subject to change | — | 4.25% | — | 4.25% | $317 |
| 12 months | — | 0.75% | — | 0.75% | $75 |
| 12 monthsJumbo interest rate | — | — | 1.00% | —1.00% from $100k | — |
| 12 monthsYouth CD / 12 Month Youth Special. Ages 0-17. $1,000 maximum balance. One per member. Not available for business accounts. CD Specials subject to change | 5.00% | — | — | —5.00% to $1k | — |
| 14 monthsCD Special; subject to change | — | 4.00% | — | 4.00% | $468 |
| 24 months | — | 0.85% | — | 0.85% | $171 |
| 24 monthsJumbo interest rate | — | — | 1.10% | —1.10% from $100k | — |
| 26 monthsCD Special; subject to change | — | 3.75% | — | 3.75% | $830 |
| 36 months | — | 1.05% | — | 1.05% | $318 |
| 36 monthsJumbo interest rate | — | — | 1.30% | —1.30% from $100k | — |
| 48 months | — | 1.15% | — | 1.15% | $468 |
| 48 monthsJumbo interest rate | — | — | 1.40% | —1.40% from $100k | — |
| 60 months | — | 1.40% | — | 1.40% | $720 |
| 60 monthsJumbo interest rate | — | — | 1.65% | —1.65% from $100k | — |
Special-purpose accounts
IRA Certificate of Deposit (IRA CD)
Up to 4.25%APY · 8 terms
Available for Traditional and Roth IRAs. IRA CDs not available for less than 9 months. Automatic renewal at maturity.
| Term | APY · $1,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 9 monthsCD Special; subject to change | 4.25% | — | 4.25% | $317 |
| 12 months | 0.75% | — | 0.75% | $75 |
| 12 monthsJumbo interest rate | — | 1.00% | —1.00% from $100k | — |
| 14 monthsCD Special; subject to change | 4.00% | — | 4.00% | $468 |
| 24 months | 0.85% | — | 0.85% | $171 |
| 24 monthsJumbo interest rate | — | 1.10% | —1.10% from $100k | — |
| 26 monthsCD Special; subject to change | 3.75% | — | 3.75% | $830 |
| 36 months | 1.05% | — | 1.05% | $318 |
| 36 monthsJumbo interest rate | — | 1.30% | —1.30% from $100k | — |
| 48 months | 1.15% | — | 1.15% | $468 |
| 48 monthsJumbo interest rate | — | 1.40% | —1.40% from $100k | — |
| 60 months | 1.40% | — | 1.40% | $720 |
| 60 monthsJumbo interest rate | — | 1.65% | —1.65% from $100k | — |
Who can join OMNI Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live or work in Elkhart, LaGrange, or St. Joseph counties in Indiana.
- Membership is open to individuals who live, work, worship or attend school in the state of Michigan.
Family and household
- Membership is open to relatives of an existing member.
Cost to join
- An initial deposit of $5 is required to establish membership and open an account.
Membership information collected October 5, 2026.