# One Community Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/one-community-bank
Institution: One Community Bank (FDIC 22334)
Aliases: 
Status: live
Last verified: 2026-10-23T03:02:31.000Z (October 22, 2026)
Official source: https://onecommunity.bank/deposit-rates/
Coverage: 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.
Treasury comparison date: 2026-10-21. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| CD | standard | 91 days | $500 | 1.00% | Not ZIP-priced | −3.29% | 2026-10-23T03:02:31.000Z | [Snapshot 928](https://apyledger.com/snapshots/928) |
| CD | promotional | 182 days | $10,000 | 3.75% | Not ZIP-priced | −0.65% | 2026-10-23T03:02:31.000Z | [Snapshot 928](https://apyledger.com/snapshots/928) |
| CD | standard | 182 days | $500 | 2.50% | Not ZIP-priced | −1.90% | 2026-10-23T03:02:31.000Z | [Snapshot 928](https://apyledger.com/snapshots/928) |
| Start Small CD | standard | 6 months | $25 | 1.35% | Not ZIP-priced | −3.05% | 2026-10-23T03:02:31.000Z | [Snapshot 928](https://apyledger.com/snapshots/928) |
| CD | standard | 9 months | $500 | 2.00% | Not ZIP-priced | −2.48% | 2026-10-23T03:02:31.000Z | [Snapshot 928](https://apyledger.com/snapshots/928) |
| CD | promotional | 12 months | $10,000 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-23T03:02:31.000Z | [Snapshot 928](https://apyledger.com/snapshots/928) |
| CD | standard | 12 months | $500 | 2.25% | Not ZIP-priced | −2.32% | 2026-10-23T03:02:31.000Z | [Snapshot 928](https://apyledger.com/snapshots/928) |
| CD | standard | 15 months | $500 | 1.43% | Not ZIP-priced | −3.22% | 2026-10-23T03:02:31.000Z | [Snapshot 928](https://apyledger.com/snapshots/928) |
| CD | standard | 24 months | $500 | 1.45% | Not ZIP-priced | −3.42% | 2026-10-23T03:02:31.000Z | [Snapshot 928](https://apyledger.com/snapshots/928) |
| 3-Year Options CD | promotional | 36 months | $1,000 | 3.30% | Not ZIP-priced | −1.65% | 2026-10-23T03:02:31.000Z | [Snapshot 928](https://apyledger.com/snapshots/928) |
| CD | standard | 36 months | $500 | 1.50% | Not ZIP-priced | −3.45% | 2026-10-23T03:02:31.000Z | [Snapshot 928](https://apyledger.com/snapshots/928) |
| 3-Year Options CD | standard | 36 months | $1,000 | 1.47% | Not ZIP-priced | −3.48% | 2026-10-23T03:02:31.000Z | [Snapshot 928](https://apyledger.com/snapshots/928) |
| CD | standard | 48 months | $500 | 1.55% | Not ZIP-priced | −3.43% | 2026-10-23T03:02:31.000Z | [Snapshot 928](https://apyledger.com/snapshots/928) |
| CD | standard | 60 months | $500 | 1.60% | Not ZIP-priced | −3.41% | 2026-10-23T03:02:31.000Z | [Snapshot 928](https://apyledger.com/snapshots/928) |

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.