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Our Current
Deposit Rates

OMB High Interest Checking

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Qualifications

To earn your rewards, just do the following transactions and activities in your OMB High Interest Checking account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 ACH credit or ACH payment transaction post and settle

And if you don't meet these qualifications, don't worry. Your account is still free. You'll also still earn our base interest rate — and you can get right back to earning your full rewards the very next cycle that you qualify.

Minimum Balance

Minimum Opening Deposit

Rate

APY*

$0

$25

2.01%

2.01%

$0

$25

0.10%

2.01% - 0.48%

$0

$25

0.01%

0.01%

OMB High Interest Savings

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Qualifications

To earn the highest interest rate, just do the qualifying activities in your tied OMB High Interest Checking or OMB Rewards Checking account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 ACH credit or ACH payment transaction post and settle

And if you don't meet these qualifications, don't worry. Your account is still free. You'll also still earn our base interest rate — and you can get right back to earning your full rewards the very next cycle that you qualify.

Tier

Minimum Balance

Minimum Opening Deposit

Rate

APY*

Balances up to $100,000

$0

$25

1.00%

1.00%

Balances over $100,000

$0

$25

0.25%

Blended 1.00% - 0.63%

All balances if qualifications not met

$0

$25

0.05%

0.05%

CD's & IRA's

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Rates

Term/Compounding Frequency

Minimum Opening Deposit

Rate

APY*

3 months/at maturity

$1,000

0.10%

0.10%

6 months/quarterly

$1,000

0.20%

0.20%

12 months/semi-annually

$1,000

0.45%

0.45%

18 months/semi-annually

$1,000

0.50%

0.50%

24 months/semi-annually

$1,000

0.60%

0.60%

36 months/semi-annually

$1,000

0.70%

0.70%

48 months/semi-annually

$1,000

0.70%

0.70%

60 months/semi-annually

$1,000

0.70%

0.70%

72 months/semi-anually

$1,000

0.80%

0.80%

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

Money Market

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Tier

Minimum Opening Deposit

Rate

APY*

$0.01 - $24,999.99

$1,000

0.05%

0.05%

$25,000 - $49,999.99

$1,000

0.05%

0.05%

$50,000 - $99,999.99

$1,000

0.05%

0.05%

$100,000 - $199,999.99

$1,000

0.15%

0.15%

$200,000 and greater

$1,000

0.20%

0.20%

Transactions are limited by regulation. For specific account disclosures, please refer to the "Deposit Account Terms and Conditions," which will be provided to you at account opening.

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