# OMB Bank CD rates

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%).

Canonical page: https://apyledger.com/cd-rates/omb-bank
Institution: OMB Bank (FDIC 8252)
Aliases: 
Status: live
Last verified: 2026-10-23T11:30:21.000Z (October 23, 2026)
Official source: https://www.ombbank.com/personal-banking/personal-savings/certificates-of-deposit
Coverage: Fixed-rate CDs require $1,000 to open. Online funding requires a bank supported by Mastercard Open Finance. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-22. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3-Month CD | promotional | 3 months | $1,000 | 4.05% | Not ZIP-priced | −0.21% | 2026-10-23T11:30:21.000Z | [Snapshot 991](https://apyledger.com/snapshots/991) |
| 5-Month Special CD | promotional | 5 months | $1,000 | 4.41% | Not ZIP-priced | +0.07% | 2026-10-23T11:30:21.000Z | [Snapshot 991](https://apyledger.com/snapshots/991) |
| 7-Month Special CD | promotional | 7 months | $1,000 | 4.10% | Not ZIP-priced | −0.26% | 2026-10-23T11:30:21.000Z | [Snapshot 991](https://apyledger.com/snapshots/991) |
| 9-Month CD | promotional | 9 months | $1,000 | 4.46% | Not ZIP-priced | +0.06% | 2026-10-23T11:30:21.000Z | [Snapshot 991](https://apyledger.com/snapshots/991) |
| 13-Month Special CD | promotional | 13 months | $1,000 | 4.31% | Not ZIP-priced | −0.17% | 2026-10-23T11:30:21.000Z | [Snapshot 991](https://apyledger.com/snapshots/991) |
| 18-Month CD | promotional | 18 months | $1,000 | 4.31% | Not ZIP-priced | −0.27% | 2026-10-23T11:30:21.000Z | [Snapshot 991](https://apyledger.com/snapshots/991) |
| 21-Month CD Special | promotional | 21 months | $1,000 | 4.65% | Not ZIP-priced | +0.01% | 2026-10-23T11:30:21.000Z | [Snapshot 991](https://apyledger.com/snapshots/991) |
| 27-Month Special CD | promotional | 27 months | $1,000 | 3.50% | Not ZIP-priced | −1.22% | 2026-10-23T11:30:21.000Z | [Snapshot 991](https://apyledger.com/snapshots/991) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.