Old National Bank CD Rates — October 2026
As of October 23, 2026, Old National Bank's highest tracked CD rate is 4.30% APY on a 30-month promotional CD ($100,000 minimum). That is 3.1 times the FDIC national average for 36-month CDs (1.39%).
Rates last changed .
With $10,000 and no relationship requirement: 4.15% on 11 months
Old National Bank CD rates
Branch-opened promotional CDs require at least $500. The 23- and 30-month offers have balance tiers; the advertised highest APYs require $50,000 and $100,000 respectively. Public, institutional and brokered funds are excluded. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 7 months | 7-Month CD Promotional | $500 | 4.00%Free rate alert | −0.36% | Verified October 23, 2026 |
| 11 months | 11-Month CD Promotional | $500 | 4.15%Free rate alert | −0.29% | Verified October 23, 2026 |
| 17 months | 17-Month CD Promotional | $500 | 4.15%Free rate alert | −0.41% | Verified October 23, 2026 |
| 23 months | 23-Month CD Promotional | $50,000 | 4.25%Free rate alert | −0.43% | Verified October 23, 2026 |
| 23 months | 23-Month CD Promotional | $25,000 | 4.20%Free rate alert | −0.48% | Verified October 23, 2026 |
| 23 months | 23-Month CD Promotional | $10,000 | 4.15%Free rate alert | −0.53% | Verified October 23, 2026 |
| 23 months | 23-Month CD Promotional | $500 | 4.10%Free rate alert | −0.58% | Verified October 23, 2026 |
| 30 months | 30-Month CD Promotional | $100,000 | 4.30%Free rate alert | −0.44% | Verified October 23, 2026 |
| 30 months | 30-Month CD Promotional | $50,000 | 4.25%Free rate alert | −0.49% | Verified October 23, 2026 |
| 30 months | 30-Month CD Promotional | $25,000 | 4.20%Free rate alert | −0.54% | Verified October 23, 2026 |
| 30 months | 30-Month CD Promotional | $10,000 | 4.15%Free rate alert | −0.59% | Verified October 23, 2026 |
| 30 months | 30-Month CD Promotional | $500 | 4.10%Free rate alert | −0.64% | Verified October 23, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Old National Bank's best CD rates by term?
Old National Bank's best rate is 4.30% APY on 30 months, verified October 23, 2026.
- 7 mo4.00%
- 11 mo4.15%
- 17 mo4.15%
- 23 mo4.25%
- 30 mo4.30%
How much interest could a Old National Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$1,070.63 interest · $11,070.63 at maturity on $10,000.00.
4.15% APY · 30 months · 30-Month CD · Promotional · verified October 23, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 7 months | $115.764.00% APY · 7-Month CD · Promotional | $231.524.00% APY · 7-Month CD · Promotional | $578.794.00% APY · 7-Month CD · Promotional | $1,157.584.00% APY · 7-Month CD · Promotional |
| 11 months | $190.134.15% APY · 11-Month CD · Promotional | $380.254.15% APY · 11-Month CD · Promotional | $950.634.15% APY · 11-Month CD · Promotional | $1,901.254.15% APY · 11-Month CD · Promotional |
| 17 months | $296.434.15% APY · 17-Month CD · Promotional | $592.864.15% APY · 17-Month CD · Promotional | $1,482.154.15% APY · 17-Month CD · Promotional | $2,964.304.15% APY · 17-Month CD · Promotional |
| 23 months | $400.544.10% APY · 23-Month CD · Promotional | $811.034.15% APY · 23-Month CD · Promotional | $2,052.474.20% APY · 23-Month CD · Promotional | $4,154.734.25% APY · 23-Month CD · Promotional |
| 30 months | $528.674.10% APY · 30-Month CD · Promotional | $1,070.634.15% APY · 30-Month CD · Promotional | $2,709.824.20% APY · 30-Month CD · Promotional | $5,486.194.25% APY · 30-Month CD · Promotional |
How Old National Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 913-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 10 of 142 tracked institutions with fresh 913-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Old National Bank (this institution)30-Month CD · Promotional | 30 months | $100,000 | Branches in 10 states | 4.30% | October 23, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 30 months | $2,500 | Available nationwide | 4.50% | October 22, 2026 |
| Affinity Plus Federal Credit UnionBasic Certificate · Standard | 30 months | $500 | Membership required · branches in MN | 4.45% | October 22, 2026 |
| Luana Savings BankCertificate of Deposit · Standard | 30 months | $100,000 | Branches in IA | 4.45% | October 23, 2026 |
| Kirtland Federal Credit Union (highest tracked APY for this term)30-Month Limited-Time Share Certificate · Promotional | 30 months | $500 | Membership required · branches in NM | 4.85% | October 22, 2026 |
| Treasury (APY-equivalent) | 30 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.74% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
- 30-Month CD 30 months ($500+): added at 4.10%
- 30-Month CD 30 months ($10,000+): added at 4.15%
- 30-Month CD 30 months ($25,000+): added at 4.20%
- 30-Month CD 30 months ($50,000+): added at 4.25%
- 30-Month CD 30 months ($100,000+): added at 4.30%
- 23-Month CD 23 months ($500+): added at 4.10%
- 23-Month CD 23 months ($10,000+): added at 4.15%
- 23-Month CD 23 months ($25,000+): added at 4.20%
- 23-Month CD 23 months ($50,000+): added at 4.25%
- 17-Month CD 17 months ($500+): added at 4.15%
- 11-Month CD 11 months ($500+): added at 4.15%
- 7-Month CD 7 months ($500+): added at 4.00%
- 30-Month CD 30 months ($100,000+): withdrawn (was 4.30%)
- 30-Month CD 30 months ($50,000+): withdrawn (was 4.25%)
- 30-Month CD 30 months ($25,000+): withdrawn (was 4.20%)
- 30-Month CD 30 months ($10,000+): withdrawn (was 4.15%)
- 30-Month CD 30 months ($500+): withdrawn (was 4.10%)
- 23-Month CD 23 months ($50,000+): withdrawn (was 4.25%)
- 23-Month CD 23 months ($25,000+): withdrawn (was 4.20%)
- 23-Month CD 23 months ($10,000+): withdrawn (was 4.15%)
- 23-Month CD 23 months ($500+): withdrawn (was 4.10%)
- 17-Month CD 17 months ($500+): withdrawn (was 4.15%)
- 11-Month CD 11 months ($500+): withdrawn (was 4.15%)
- 7-Month CD 7 months ($500+): withdrawn (was 4.00%)
About Old National Bank
- Legal name
- Old National Bank
- Regulator ID
- FDIC 3832
- Headquarters
- Evansville, IN
- Available in
- IA, IL, IN, KY, MI, MN, NC, ND, TN, WI
- Also known as
- Old National, ONB
- Website
- www.oldnational.com
Source: rates read from https://www.oldnational.com/personal/savings/certificates-of-deposit/cd-offer/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Old National Bank?
Among the rates we track, 4.30% APY on a 30-month promotional CD, as of October 23, 2026.
What is the minimum deposit for a Old National Bank CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $100,000.
How does Old National Bank's best CD rate compare with Treasury yields?
4.30% APY is −0.44% versus the 30-month Treasury yield of 4.74% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 4.30% a good CD rate?
It is 3.1 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Old National Bank CDs insured?
Old National Bank is an FDIC-insured bank (FDIC 3832). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Old National Bank's rate page every day. The rates above were last verified on October 23, 2026.
More bank CD rates
Rates are copied from Old National Bank's website and may change at any time. Confirm terms, minimums and eligibility with Old National Bank before opening an account. This page is not financial advice.