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Certificates of Deposit

Certificates of Deposit (CDs) are an easy and risk-free way to give your savings a guaranteed lift. Check out our 4.44% APY 7 month no-penalty CD and our 5.05% APY 15 month bump up CD for even more savings power!

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If you exercised the bump up on OMB's Bump Up CD today, your rate would be 5.58% APY*. Check out our 15 month Bump Up CD Special!

Want to know more about how a bump up CD works? Our explainer article has everything you need to know. And if you want to see exactly how much your CD will earn, we've got a calculator for that.

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CD Special Rates


Term/Compounding Frequency


Minimum Opening Deposit



No-Penalty CD

7 months/quarterly

Penalty-Free Withdrawal




Bump-Up CD

15 months/semi-annually

One-Time Rate Increase




High-Yield CD

13 months/semi-annually

High Rate




Penalties may be assessed for early withdrawal. See disclosure for full details.

Everyone Likes to Feel Special

Our CD specials are designed to help you take advantage of the best rates available - but hurry, they're only for a limited time!

An Old Missouri Bank animation of a lightbulb KEEP ACCESS

No-Penalty CD

Grow your earnings risk-free & maintain access to your funds.
An Old Missouri Bank animation of fireworks EARN MORE

Bump Up CD

Boost your APY when rates go up with a Bump Up CD.
An Old Missouri Bank animation of a house plant with a dollar sign on one of the leans BEST AVAILABLE

High-Yield Special

Earn our highest rate without locking up your funds up for long.
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Grow Your Savings Safely Over Time

There’s no need to go to Wall Street. Earn a higher rate than regular savings without risking your hard-earned money.

Certificates of deposit lock away cash at a competitive, fixed rate for a length of time you specify. Simply choose your term — as short as 3 months or as long as 6 years — to lock in your rate and enjoy the power of compounding interest.

Watch Your Savings Grow at OMB

Pro tip: Stagger the maturities of your CDs for added flexibility.

Plan for Anything

Our 40+ free financial calculators can help you finesse your budget, compare borrowing costs, forecast earnings and so much more.

CDs Explained: How They Work

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A proven way to save smarter

Financial institutions have been issuing certificates of deposit since the early 1800s. Even today, the safety that comes with a guaranteed rate of return for this term deposit account just can't be beat.

Harness the Power of Mobile Banking

OMB's industry-leading mobile banking app puts you in control of your finances in powerful new ways. Check balances, transfer funds, pay bills, deposit checks, even chat live with our friendly staff directly in the app. With enhanced digital banking features and online security, you'll wonder how you ever lived without it. Download it now!

Your 24/7 Personal Digital Branch

Payments are fast, safe and easy thanks to Zelle®. Pay your family and friends or request money regardless of where they bank.

Download on the App StoreGet it on Google Play
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Get More Help

What does it mean if I receive a hold on my account after I’ve made a deposit?

How do I place a stop payment on a personal check?

How do I change my address?

What should I do if my debit card is lost or stolen?

Where can I find my account number?

What is my routing number?

OMB's routing number is 086518891.

Not sure which account is right for you?