Bank · FDIC insured
One Community Bank CD Rates
One Community Bank’s best CD rate is 4.00% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How One Community Bank’s CD rates compare
Compared with banks and credit unions near Madison, WI, where One Community Bank has the most branches. $10,000, best rate first.
This bank’s best
One Community Bank
4.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $400
Traditional Fixed Rate CDs
Top rate
Madison Fire Department Credit Union
4.55%APY
- Term
- 16 months
- Minimum
- —
- Earns on $10,000
- $611
2nd-highest rate
Summit Credit Union
4.50%APY
- Term
- 16 months
- Minimum
- $500
- Earns on $10,000
- $604
One Community Bank CD score
81
CD score
Higher than 54% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo1.45%
- 31–60 months31–60 mo3.30%
- 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 One Community 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.
Traditional Fixed Rate CDs
Up to 4.00%APY · 9 terms
Early withdrawal penalty may be imposed. Additional deposits allowed on terms of 1 year or less with a minimum of $50 and an accumulated maximum of $250,000.
| Term | APY · $500 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months91 days term | 1.00% | — | 1.00% | $25 |
| 6 months182 days (Promo). Lock in 182 days, unlock big returns. $10,000 minimum opening deposit. Boost your savings with a higher fixed rate | — | 3.75% | 3.75% | $186 |
| 6 months182 days term | 2.50% | — | 2.50% | $124 |
| 9 months9 month term | 2.00% | — | 2.00% | $150 |
| 12 months1 Year (Promo). Additional CD deposits allowable with a minimum of $50.00 up to a maximum of $250,000 | — | 4.00% | 4.00% | $400 |
| 12 months1 year term | 2.25% | — | 2.25% | $225 |
| 15 months15 month term | 1.43% | — | 1.43% | $179 |
| 24 months2 year term | 1.45% | — | 1.45% | $292 |
| 36 months3 year term | 1.50% | — | 1.50% | $457 |
| 48 months4 year term | 1.55% | — | 1.55% | $635 |
| 60 months5 year term | 1.60% | — | 1.60% | $826 |
Sources (3)
- onecommunity.bank/personal/accounts/cds-iras
- onecommunity.bank/deposit-rates
- onecommunity.bank/wp-content/u…Rate-Schedule-7.1.26.pdf
All captured Sep 24, 2026
3-Year Options CD
Up to 3.30%APY · 1 term
At your discretion, you may change the interest rate on the account one time during the term of the CD based on the current One Community Bank Three Year Options CD rate at the time of the rate request. Additional deposits are allowed with a minimum of $500.00 and an accumulated maximum of $250,000.00. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months3 year 'options' (Promo). If interest rates rise, increase to a higher rate once during your term. Additional CD deposits allowable with a minimum of $500.00 up to a maximum of $250,000 | 3.30% | $1,023 |
| 36 monthsStandard 3-Year Options CD | 1.47% | $448 |
Sources (3)
- onecommunity.bank/personal/accounts/cds-iras
- onecommunity.bank/deposit-rates
- onecommunity.bank/wp-content/u…Rate-Schedule-7.1.26.pdf
All captured Sep 24, 2026
Start Small CD
1.35%APY · 1 term
Additional deposits are allowed on CDs terms of 1 year or less with a minimum of $50 and an accumulated maximum of $250,000. Early withdrawal penalty may apply. You can add money anytime.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsStart Small CD - 6 months term. Additional deposits allowed with a minimum of $50 and accumulated maximum of $250,000 | 1.35% | $67 |
Sources (3)
- onecommunity.bank/personal/accounts/cds-iras
- onecommunity.bank/deposit-rates
- onecommunity.bank/wp-content/u…Rate-Schedule-7.1.26.pdf
All captured Sep 24, 2026
Special-purpose accounts
IRA Certificates (Traditional / Roth)
Up to 2.50%APY · 9 terms
IRA accounts require $100 minimum opening deposit. You must maintain a minimum of $100 in the account each day to obtain the disclosed APY. Additional deposits allowed on terms of 1 year or less with a minimum of $50 and an accumulated maximum of $250,000. Early withdrawal penalty may be imposed.
| Term | APY · $100 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months91-Day IRA CD | 1.00% | — | 1.00% | $25 |
| 6 months182-Day IRA CD | 2.50% | — | 2.50% | $124 |
| 9 months9-Month IRA CD | 2.00% | — | 2.00% | $150 |
| 12 months1-Year IRA CD | 2.25% | — | 2.25% | $225 |
| 15 months15-Month IRA CD | 1.43% | — | 1.43% | $179 |
| 24 months2-Year IRA CD | 1.45% | — | 1.45% | $292 |
| 36 months3-Year 'Options' IRA. You may change the interest rate one time during the term based on current rates | — | 1.47% | 1.47% | $448 |
| 36 months3-Year IRA CD | 1.50% | — | 1.50% | $457 |
| 48 months4-Year IRA CD | 1.55% | — | 1.55% | $635 |
| 60 months5-Year IRA CD | 1.60% | — | 1.60% | $826 |
Sources (3)
- onecommunity.bank/personal/accounts/cds-iras
- onecommunity.bank/deposit-rates
- onecommunity.bank/wp-content/u…Rate-Schedule-7.1.26.pdf
All captured Sep 24, 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.