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Individual Retirement Accounts (IRAs)

Lock in a guaranteed rate of return with our IRA CDs.

  • No annual fees or set up fees

  • No minimum balance requirements

  • No monthly service charge

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Take Retirement Into Your Own Hands

An individual retirement account (IRA) from OMB lets you set aside funds now so you can enjoy a stress-free retirement later. Then enjoy the peace of mind that comes with a more secure future.

  • Save for retirement with tax advantages1
  • Earn competitive interest higher than regular savings
  • Available in traditional and Roth
  • Annual contribution limits apply
  • $1,000 annual "catch up" contributions allowed for ages 50 and better
  • Funds can be used to purchase CDs within IRA with terms from 3 months to 6 years4
  • No annual fees or set up fees
  • No minimum balance requirements
  • Federally insured
  • $1,000 minimum deposit to open

Traditional vs. Roth

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There are advantages to both traditional and Roth IRAs. One of the biggest differences is the time at which you see the most advantage. A traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement.

Plan for Anything

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

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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IRA Explained: How It Works

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Save towards the future

Contribute to an IRA now and have a fund in place when it's time to retire.



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?