Bank · FDIC insured
ONE AMERICAN BANK CD Rates
ONE AMERICAN BANK’s best CD rate is 4.05% APY on a 6-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How ONE AMERICAN BANK’s CD rates compare
Compared with banks and credit unions near Sioux Falls, SD-MN, where ONE AMERICAN BANK has the most branches. $10,000, best rate first.
This bank’s best
ONE AMERICAN BANK
3.59%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $451
Certificate of Deposit
Top rate
Quoin Financial Bank
4.60%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $499
2nd-highest rate
CorTrust Bank
4.30%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,346
ONE AMERICAN BANK CD score
67
CD score
Higher than 19% of U.S. banks and credit unions
- 9–15 months9–15 mo3.59%
- 16–30 months16–30 mo1.96%
- 31–60 months31–60 mo2.36%
- QualifiedQualified3.59%
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 ONE AMERICAN 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.
Certificate of Deposit
Up to 4.05%APY · 8 terms
No maintenance fees. Maximum account balance is $1,000,000. Interest compounded quarterly. Penalty for early withdrawal. Automatic renewal at maturity with a 10-calendar day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCD Special (per disclosure schedule). Fixed rate until maturity. Compounded quarterly. Account may not exceed $1,000,000. Early withdrawal penalty applies (90 days interest for terms < 12 months) | 3.85% | $95 |
| 3 monthsCD Special. Fixed rate until maturity. Substantial penalty for early withdrawal | 3.85% | $95 |
| 6 monthsCD Special (per disclosure schedule). Fixed rate until maturity. Compounded quarterly. Account may not exceed $1,000,000. Early withdrawal penalty applies (90 days interest for terms < 12 months) | 4.05% | $200 |
| 6 monthsCD Special. Fixed rate until maturity. Substantial penalty for early withdrawal | 4.05% | $200 |
| 12 monthsCD Special (per disclosure schedule). Fixed rate until maturity. Compounded quarterly. Account may not exceed $1,000,000. Early withdrawal penalty applies (9 months interest for terms >= 12 months) | 4.05% | $405 |
| 12 monthsCD Special. Fixed rate until maturity. Substantial penalty for early withdrawal | 4.05% | $405 |
| 15 monthsStandard CD rate. Substantial penalty for early withdrawal | 3.59% | $451 |
| 24 monthsStandard CD rate. Substantial penalty for early withdrawal | 1.96% | $396 |
| 30 monthsStandard CD rate. Substantial penalty for early withdrawal | 1.96% | $497 |
| 48 monthsStandard CD rate. Substantial penalty for early withdrawal | 1.96% | $807 |
| 60 monthsStandard CD rate. Substantial penalty for early withdrawal | 2.36% | $1,237 |
Sources (4)
- oneamericanbank.com/personal/investments
- oneamericanbank.com/rate/cd
- oneamericanbank.com/rates
- oneamericanbank.com/disclosures
All captured Oct 22, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.05%APY · 3 terms
Traditional and Roth IRA options available. No setup fees, no monthly or annual maintenance fees. Annual contribution limits apply. Early withdrawals may be subject to penalty. Funds can be used to purchase Certificates of Deposit (CDs) within IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsSubstantial penalty for early withdrawal. Traditional and Roth IRA options. No monthly or annual maintenance fees | 4.05% | $405 |
| 24 monthsSubstantial penalty for early withdrawal. Traditional and Roth IRA options. No monthly or annual maintenance fees | 1.96% | $396 |
| 36 monthsSubstantial penalty for early withdrawal. Traditional and Roth IRA options. No monthly or annual maintenance fees | 1.96% | $600 |
Sources (3)
All captured Oct 22, 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.