One Community Bank CD Rates — October 2026
As of October 22, 2026, One Community Bank's highest tracked CD rate is 4.00% APY on a 12-month promotional CD ($10,000 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 1.00% to 2.50% APY.
Tracking began .
One Community Bank CD rates
CDs from 91 days to 5 years with a $500 minimum, promotional 182-day and 1-year CDs with a $10,000 minimum, a $25 Start Small CD and a 3-year Options CD with one rate change. Early withdrawal penalties may apply.
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.00% APY (12 months). The standard rate for a similar term is 2.25% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $175 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are One Community Bank's best CD rates by term?
One Community Bank's best rate is 4.00% APY on 12 months, verified October 22, 2026.
- 91 days1.00%
- 182 days3.75%
- 6 mo1.35%
- 9 mo2.00%
- 12 mo4.00%
- 15 mo1.43%
- 24 mo1.45%
- 36 mo3.30%
- 48 mo1.55%
- 60 mo1.60%
How much interest could a One Community 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.
$400.00 interest · $10,400.00 at maturity on $10,000.00.
4.00% APY · 12 months · CD · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 91 days | $12.421.00% APY · CD · Standard | $24.841.00% APY · CD · Standard | $62.101.00% APY · CD · Standard | $124.191.00% APY · CD · Standard |
| 182 days | $61.942.50% APY · CD · Standard | $185.263.75% APY · CD · Promotional | $463.153.75% APY · CD · Promotional | $926.303.75% APY · CD · Promotional |
| 6 months | $33.731.35% APY · Start Small CD · Standard | $67.461.35% APY · Start Small CD · Standard | $168.651.35% APY · Start Small CD · Standard | $337.291.35% APY · Start Small CD · Standard |
| 9 months | $74.882.00% APY · CD · Standard | $149.772.00% APY · CD · Standard | $374.412.00% APY · CD · Standard | $748.832.00% APY · CD · Standard |
| 12 months | $112.502.25% APY · CD · Standard | $400.004.00% APY · CD · Promotional | $1,000.004.00% APY · CD · Promotional | $2,000.004.00% APY · CD · Promotional |
| 15 months | $89.481.43% APY · CD · Standard | $178.971.43% APY · CD · Standard | $447.421.43% APY · CD · Standard | $894.851.43% APY · CD · Standard |
| 24 months | $146.051.45% APY · CD · Standard | $292.101.45% APY · CD · Standard | $730.261.45% APY · CD · Standard | $1,460.511.45% APY · CD · Standard |
| 36 months | $511.513.30% APY · 3-Year Options CD · Promotional | $1,023.033.30% APY · 3-Year Options CD · Promotional | $2,557.573.30% APY · 3-Year Options CD · Promotional | $5,115.153.30% APY · 3-Year Options CD · Promotional |
| 48 months | $317.281.55% APY · CD · Standard | $634.561.55% APY · CD · Standard | $1,586.411.55% APY · CD · Standard | $3,172.821.55% APY · CD · Standard |
| 60 months | $413.011.60% APY · CD · Standard | $826.011.60% APY · CD · Standard | $2,065.031.60% APY · CD · Standard | $4,130.061.60% APY · CD · Standard |
How One Community Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 88 of 413 tracked institutions with fresh 365-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 |
|---|---|---|---|---|---|
| One Community Bank (this institution)CD · Promotional | 12 months | $10,000 | Branches in WI | 4.00% | October 22, 2026 |
| Popular DirectCD · Standard | 12 months | $10,000 | Available nationwide | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| BarclaysOnline CD · Standard | 12 months | Not stated | Available nationwide | 4.50% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Membership required · branches in NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking One Community Bank on October 22, 2026.
About One Community Bank
- Legal name
- One Community Bank
- Regulator ID
- FDIC 22334
- Headquarters
- Oregon, WI
- Available in
- WI
- Total assets
- $2.6 billion
- Also known as
- Website
- www.onecommunity.bank
Source: rates read from https://onecommunity.bank/deposit-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at One Community Bank?
Among the rates we track, 4.00% APY on a 12-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a One Community Bank CD?
The lowest minimum we found is $25; jumbo and higher balance tiers start at up to $10,000.
How does One Community Bank's best CD rate compare with Treasury yields?
4.00% APY is −0.57% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.3 times the FDIC national average for a similar term (1.76% 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 One Community Bank CDs insured?
One Community Bank is an FDIC-insured bank (FDIC 22334). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check One Community Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from One Community Bank's website and may change at any time. Confirm terms, minimums and eligibility with One Community Bank before opening an account. This page is not financial advice.