OMB Bank CD Rates — October 2026
As of October 23, 2026, OMB Bank's highest tracked CD rate is 4.65% APY on a 21-month promotional CD ($1,000 minimum). That is 3.0 times the FDIC national average for 24-month CDs (1.55%).
Tracking began .
OMB Bank CD rates
Fixed-rate CDs require $1,000 to open. Online funding requires a bank supported by Mastercard Open Finance. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | 3-Month CD Promotional | $1,000 | 4.05%Free rate alert | −0.21% | Top 4% of tracked 3-month CDs · Verified October 23, 2026 |
| 5 months | 5-Month Special CD Promotional | $1,000 | 4.41%Free rate alert | +0.07% | Verified October 23, 2026 |
| 7 months | 7-Month Special CD Promotional | $1,000 | 4.10%Free rate alert | −0.26% | Verified October 23, 2026 |
| 9 months | 9-Month CD Promotional | $1,000 | 4.46%Free rate alert | +0.06% | Top 2% of tracked 9-month CDs · Verified October 23, 2026 |
| 13 months | 13-Month Special CD Promotional | $1,000 | 4.31%Free rate alert | −0.17% | Verified October 23, 2026 |
| 18 months | 18-Month CD Promotional | $1,000 | 4.31%Free rate alert | −0.27% | Top 9% of tracked 18-month CDs · Verified October 23, 2026 |
| 21 months | 21-Month CD Special Promotional | $1,000 | 4.65%Free rate alert | +0.01% | Verified October 23, 2026 |
| 27 months | 27-Month Special CD Promotional | $1,000 | 3.50%Free rate alert | −1.22% | 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 OMB Bank's best CD rates by term?
OMB Bank's best rate is 4.65% APY on 21 months, verified October 23, 2026.
- 3 mo4.05%
- 5 mo4.41%
- 7 mo4.10%
- 9 mo4.46%
- 13 mo4.31%
- 18 mo4.31%
- 21 mo4.65%
- 27 mo3.50%
How much interest could a OMB 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.
$828.22 interest · $10,828.22 at maturity on $10,000.00.
4.65% APY · 21 months · 21-Month CD Special · 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 |
|---|---|---|---|---|
| 3 months | $49.744.05% APY · 3-Month CD · Promotional | $99.474.05% APY · 3-Month CD · Promotional | $248.684.05% APY · 3-Month CD · Promotional | $497.364.05% APY · 3-Month CD · Promotional |
| 5 months | $90.674.41% APY · 5-Month Special CD · Promotional | $181.344.41% APY · 5-Month Special CD · Promotional | $453.354.41% APY · 5-Month Special CD · Promotional | $906.704.41% APY · 5-Month Special CD · Promotional |
| 7 months | $118.634.10% APY · 7-Month Special CD · Promotional | $237.264.10% APY · 7-Month Special CD · Promotional | $593.144.10% APY · 7-Month Special CD · Promotional | $1,186.284.10% APY · 7-Month Special CD · Promotional |
| 9 months | $166.494.46% APY · 9-Month CD · Promotional | $332.984.46% APY · 9-Month CD · Promotional | $832.444.46% APY · 9-Month CD · Promotional | $1,664.894.46% APY · 9-Month CD · Promotional |
| 13 months | $233.624.31% APY · 13-Month Special CD · Promotional | $467.244.31% APY · 13-Month Special CD · Promotional | $1,168.104.31% APY · 13-Month Special CD · Promotional | $2,336.204.31% APY · 13-Month Special CD · Promotional |
| 18 months | $327.024.31% APY · 18-Month CD · Promotional | $654.034.31% APY · 18-Month CD · Promotional | $1,635.084.31% APY · 18-Month CD · Promotional | $3,270.164.31% APY · 18-Month CD · Promotional |
| 21 months | $414.114.65% APY · 21-Month CD Special · Promotional | $828.224.65% APY · 21-Month CD Special · Promotional | $2,070.564.65% APY · 21-Month CD Special · Promotional | $4,141.114.65% APY · 21-Month CD Special · Promotional |
| 27 months | $402.263.50% APY · 27-Month Special CD · Promotional | $804.523.50% APY · 27-Month Special CD · Promotional | $2,011.303.50% APY · 27-Month Special CD · Promotional | $4,022.613.50% APY · 27-Month Special CD · Promotional |
How OMB Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 639-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 1 of 9 tracked institutions with fresh 639-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 |
|---|---|---|---|---|---|
| OMB Bank (this institution) (highest tracked APY for this term)21-Month CD Special · Promotional | 21 months | $1,000 | Branches in KS, MO | 4.65% | October 23, 2026 |
| 1st MidAmerica Credit Union21 Month Special Share Certificate · Promotional | 21 months | $1,000 | Membership required · branches in IL, MO | 3.55% | October 22, 2026 |
| Treasury (APY-equivalent) | 21 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.64% | 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
No changes since we started tracking OMB Bank on October 23, 2026.
About OMB Bank
- Legal name
- OMB Bank
- Regulator ID
- FDIC 8252
- Headquarters
- Springfield, MO
- Available in
- KS, MO
- Also known as
- Website
- www.ombbank.com
Source: rates read from https://www.ombbank.com/personal-banking/personal-savings/certificates-of-deposit. See the page text we read.
Frequently asked questions
What is the highest CD rate at OMB Bank?
Among the rates we track, 4.65% APY on a 21-month promotional CD, as of October 23, 2026.
What is the minimum deposit for a OMB Bank CD?
The lowest minimum we found is $1,000.
How does OMB Bank's best CD rate compare with Treasury yields?
4.65% APY is +0.01% versus the 21-month Treasury yield of 4.64% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 4.65% a good CD rate?
It is 3.0 times the FDIC national average for a similar term (1.55% 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 OMB Bank CDs insured?
OMB Bank is an FDIC-insured bank (FDIC 8252). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check OMB Bank's rate page every day. The rates above were last verified on October 23, 2026.
More bank CD rates
Rates are copied from OMB Bank's website and may change at any time. Confirm terms, minimums and eligibility with OMB Bank before opening an account. This page is not financial advice.