If you've been comparing CD rates, you've probably wondered the same thing most savers do: How much money will I actually earn?
The answer depends on your deposit amount, the term you choose and the annual percentage yield (APY), which reflects the total amount you can earn in a year including the effect of compound interest. To make the comparison easier, we’ll start with a $25,000 deposit. That’s a common benchmark for CD shoppers and a useful way to compare earnings across different terms.
We'll also look at what a typical OMB Bank customer might earn using a $60,000 deposit, which is close to the average amount customers deposit into CDs online with OMB Bank. And for savers looking to put larger balances to work, we'll show what a $249,999 deposit could earn as well.
Here's what those numbers look like using OMB Bank's current CD rates.
A $25,000 deposit in an OMB Bank CD could earn between approximately $249 and $2,012 in interest when held to maturity, depending on the term selected.
Key Takeaways at a Glance
- A $25,000 CD deposit at OMB Bank could earn between approximately $249 and $2,012 in interest depending on the term selected.
- OMB Bank's highest current CD rate is 4.25% APY on the 5-Month CD Special.
- The minimum deposit to open any OMB Bank CD is $1,000.
- The average online CD deposit at OMB Bank is approximately $60,000.
- CDs can be opened entirely online, including joint accounts.
- The 3-month and 9-month CDs are board rate products that automatically renew into the same term at maturity. Specials are available for a limited time.
Editor's Note: Rates and earnings examples are based on actual rates available as of June 2, 2026 and are subject to change.
How Much Could a $25,000 CD Earn?
To see how term length affects earnings, the table below shows estimated interest on a $25,000 deposit held until maturity.
| CD Term | Current APY | Estimated Interest Earned |
|---|---|---|
| 3-Month CD | 4.05% | $249 |
| 5-Month CD Special | 4.25% | $437 |
| 7-Month CD Special | 3.85% | $557 |
| 9-Month CD | 4.15% | $774 |
| 13-Month CD Special | 3.80% | $1,031 |
| 27-Month CD Special | 3.50% | $2,012 |
*Estimated earnings assume funds remain on deposit until maturity. Actual earnings may vary based on compounding and interest payment elections.
What Could the Average OMB Online CD Deposit Earn?
The average online CD deposit at OMB Bank is approximately $59,210. For simplicity, the examples below use a $60,000 deposit.
| CD Term | Current APY | Estimated Interest Earned |
|---|---|---|
| 3-Month CD | 4.05% | $598 |
| 5-Month CD Special | 4.25% | $1,049 |
| 7-Month CD Special | 3.85% | $1,337 |
| 9-Month CD | 4.15% | $1,858 |
| 13-Month CD Special | 3.80% | $2,474 |
| 27-Month CD Special | 3.50% | $4,829 |
*Estimated earnings assume funds remain on deposit until maturity. Actual earnings may vary based on compounding and interest payment elections.
What Could a $249,999 CD Earn?
For savers looking to maximize FDIC-insured deposits, this table uses a $249,999 deposit. That’s the maximum amount that can be funded online into an OMB Bank CD and remains within the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
| CD Term | Current APY | Estimated Interest Earned |
|---|---|---|
| 3-Month CD | 4.05% | $2,490 |
| 5-Month CD Special | 4.25% | $4,370 |
| 7-Month CD Special | 3.85% | $5,570 |
| 9-Month CD | 4.15% | $7,740 |
| 13-Month CD Special | 3.80% | $10,310 |
| 27-Month CD Special | 3.50% | $20,120 |
*Estimated earnings assume funds remain on deposit until maturity. Actual earnings may vary based on compounding and interest payment elections.
CD Specials vs. Board Rates
CD specials are promotional rates offered on select terms for a limited time. Board rate CDs are part of our standard lineup and remain available even when promotional offers change or end. One advantage of the 3-month and 9-month board rate CDs is that they automatically renew into the same term at maturity.
Frequently Asked Questions
What is the minimum deposit to open an OMB Bank CD?
The minimum deposit to open any OMB Bank CD is $1,000.
Can I open an OMB Bank CD online?
Yes. OMB Bank CDs can be opened entirely online from anywhere in the United States.
Can I open a joint CD online?
Yes. OMB Bank allows joint CDs to be opened online.
Why are some CD terms paying more than other?
CD rates are influenced by market conditions, funding needs and the length of the term. A longer term doesn’t always have the highest APY, which is why it’s important to compare both the rate and the total interest you could earn.
Are OMB Bank CDs FDIC insured?
Yes. OMB Bank CDs are FDIC insured up to applicable limits.
How is interest compounded on OMB Bank CDs?
OMB Bank CDs with terms longer than three months compound quarterly. The 3-Month CD credits interest at maturity, since the entire term is one quarter.
What happens when my CD matures?
You'll have a 10-calendar-day grace period to make changes or withdraw funds without an early withdrawal penalty.
Ready to Earn More on Your Savings?
Whether you’re investing $1,000, $25,000 or a larger balance, OMB Bank makes it easy to open a CD online and start earning a competitive rate. Open your CD online in minutes or visit one of our convenient branch locations to get started.
OMB and its affiliates do not provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decision.
See What Your Savings Could Earn
See how much your deposit could earn with OMB Bank’s current CD rates. Enter your deposit amount and compare potential earnings across available CD terms. Our 40+ free financial calculators can help you finesse your budget, compare borrowing costs, forecast earnings and so much more.
RATE WATCH
How Much Interest Can a $25,000 CD Earn Right Now?
See how much a $25,000, $60,000 or $249,999 CD deposit could earn with OMB Bank’s current rates and compare your options across terms from 3 to 27 months.
Why a 3-Month CD Makes Sense for Today’s Savers
Short-term certificates of deposit can offer a competitive return with flexibility in a changing rate environment. Here’s why a 3-month CD could be a smart savings choice right now.
How to Use a CD Laddering Strategy to Your Advantage
CD laddering is an excellent, low-risk savings strategy that allows you to realize a steady stream of interest income while freeing up money as time passes.