A Strong Rate Built for Flexibility
Get the security of a traditional CD with the added benefit of a quick term designed for changing rate environments.
Certificates of deposit allow you to earn predictable returns at a fixed rate. With OMB Bank’s 4.11% APY* 3-month CD, you can earn a competitive return today without locking your money away long term. Because this CD renews every three months, your savings can stay competitive as rates change—without the need to constantly monitor the market or make frequent decisions.
It’s a simple, secure way to grow your savings while keeping your options open. Open your CD online or in-branch and earn with confidence.
This 4.11% APY* 3-month CD may appeal to customers comparing short-term CD options nationwide or those looking to maintain flexibility. It can also be used as part of a CD laddering strategy to balance predictable earnings with ongoing access to funds.
A Simple, Predictable Renewal Process
Know what to expect at the end of your term—no surprises, no pressure.
When your 3-month CD reaches maturity, your savings don’t stop working. Your CD will automatically renew at OMB Bank’s current board rate for the same term, allowing you to continue earning without interruption.
Before renewal, you’ll receive notice outlining your available options. At that time, you can choose to renew, withdraw your funds or explore other CD terms based on your needs. This straightforward process is designed to give you predictable earnings while keeping flexibility front and center.
• Automatic renewal at the current board rate
• Advance notice before your CD renews
• Options to renew, withdraw or choose a different term
• No action required to continue earning
CDs Explained: How They Work
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.
Current Limited-Time CD Specials
Our CD specials feature promotional rates on select certificate of deposit terms, available for a limited time. Compare current CD special offers below to find the term and rate that best fit your savings goals. Consider using CDs as part of a CD laddering strategy to balance flexibility and returns.
SHORT TERM
7 Month CD Special
SHORT TERM
9 Month CD Special
MEDIUM TERM
13 Month CD Special
LONG TERM
27 Month CD Special
Want a little help with opening one of our CD specials?
Simply give us a call at your convenience or submit this brief form and someone from our team will reach out to you quickly - it's that easy!
Plan for Anything
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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.
MONEY TIPS
Money Market vs. CD Accounts
Most of us have heard of both money markets and CDs. So, what are the differences and how do you decide which is better?
10 Finance Tips to Help You Make the Most of Your Money
In a world of high-speed information that seems to be constantly changing, things can get overwhelming. That’s why I’ve compiled a list of the top tips I’ve learned in my years of banking to help take some of the guesswork out of your money.
APR vs. APY: What’s the Difference and Why Does It Matter?
APR and APY may sound similar, but they measure two very different things - and understanding them can help you make smarter financial decisions. Whether you’re comparing loan offers or exploring savings accounts, knowing how these percentages affect what you owe or earn is essential. Learn more in simple terms, with examples to help you see how each one impacts your money.
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Who is OMB Bank?
OMB Bank is a community financial institution with approximately $1.4 billion in total assets that operates with a steadfast commitment to empowering the communities we serve.