Bank · FDIC insured
OSB Community Bank CD Rates
OSB Community Bank’s best CD rate is 3.75% APY on a 23-month CD. Terms run from 5 months to 5 years. Rates checked October 16, 2026.
How OSB Community Bank’s CD rates compare
Compared with banks and credit unions near Ottawa, IL, where OSB Community Bank has the most branches. $10,000, best rate first.
This bank’s best
OSB Community Bank
3.75%APY
- Term
- 23 months
- Minimum
- $2,500
- Earns on $10,000
- $731
CD Specials
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Streator Onized Credit Union
4.25%APY
- Term
- 22 months
- Minimum
- $500
- Earns on $10,000
- $793
OSB Community Bank CD score
77
CD score
Higher than 44% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo3.45%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo0.80%
- QualifiedQualified3.75%
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 OSB 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.
CD Specials
Up to 3.75%APY · 4 terms
Individual Retirement Accounts (IRAs) do not qualify for these rates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsIndividual Retirement Accounts (IRAs) do not qualify for these rates | 3.60% | $148 |
| 7 monthsIndividual Retirement Accounts (IRAs) do not qualify for these rates | 3.55% | $206 |
| 13 monthsIndividual Retirement Accounts (IRAs) do not qualify for these rates | 3.45% | $374 |
| 23 monthsIndividual Retirement Accounts (IRAs) do not qualify for these rates | 3.75% | $731 |
Sources (1)
- myosb.bank/Rate-Specials · captured Oct 16, 2026
Certificates of Deposit
Up to 0.80%APY · 9 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.15% | $7 |
| 9 months | 0.20% | $15 |
| 12 months | 0.25% | $25 |
| 18 months | 0.35% | $53 |
| 24 months | 0.45% | $90 |
| 30 months | 0.50% | $125 |
| 36 months | 0.55% | $166 |
| 48 months | 0.60% | $242 |
| 60 months | 0.80% | $406 |
Sources (2)
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.