O Fallon, Missouri Best CD Rates October 2026

Balance: $0.01 and over; APY CD rates are effective as of October 9, 2026, and are subject to change.

APY effective 10/19/2026; interest must be paid out periodically and cannot remain on deposit

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

Rates as of September 22, 2026; Minimum balance to open CD Account $1000.00; Fixed rate CD

Open online nationwide or at any OMB Bank branch; rates accurate as of October 15, 2026

Interest credited At Maturity; Account maximum $500,000; FDIC insured

Minimum balance $500.

Dividends paid monthly; 90 days dividend early withdrawal penalty (regular IRA distributions excluded)

Interest paid at term or maturity of CD

Nominal Interest Rate (NIR) 3.69%; IRA Minimum Balance: $500.00

Minimum balance to open CD/IRA is $500; requires ADVANTAGE Checking with $2,500 minimum opening deposit for advertised APY; penalty may be imposed for early withdrawal

Rates effective as of 10/19/2026

Minimum $1,000 required to open and obtain APY; Penalty for early withdrawal applies; APY accurate as of 5/27/26

In Branch Only

Regular CDs & IRAs; $500 opening balance required; APY fixed for term; early withdrawal penalty may apply

Balance: $50,000.00 and up; Minimum balance to obtain APY: $0.01; Early withdrawal penalty may apply

Minimum opening deposit $1000; interest compounded quarterly; penalty may be imposed for early withdrawal

90-day early withdrawal penalty

Balance: $10,000.00-49,999.99; Minimum balance to obtain APY: $0.01; Early withdrawal penalty may apply

Penalty for early withdrawal; CD minimum opening deposit: $1,000

Balance: $1,000 or more

Penalty for early withdrawal. Fees may reduce earnings.

Penalty for early withdrawal applies

Minimum required deposit is $300.00; Penalties will be imposed for early withdrawal; Dividends are compounded and credited monthly

Balance: $100,000.00 and over

Balance: $50,000.00 - $99,999.99

Balance: $1,000 and over to obtain APY; rates shown by ZIP code

Balance: up to $100,000; Rates for ZIP code 60603

Balance: $25,000.00 and above

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Balance: $1,000.00 - $24,999.99

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Balance: $1.00 - $999.99

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Teen CD 6 Months $1,000 max; Interest paid quarterly; Without a Century checking account, subtract .10%

FEATURED RATE

FEATURED RATE; Penalties may apply for early withdrawals.

Effective date 10/1/26

APY effective 10/19/2026; interest must be paid out periodically and cannot remain on deposit

Rates as of 10/15/2026

Minimum deposit $500. Non-Compounding Certificates available. Early withdrawal penalties may apply. Dividends are compounded daily and paid quarterly.

APY accurate as of 10/09/2026; interest compounded daily; penalty may be imposed for early withdrawal

Rates as of September 22, 2026; Minimum balance to open CD Account $1000.00; Fixed rate CD

Featured rate; APY accurate as of 09/15/2026; $1,000 minimum balance required to open an account and obtain the APY

Special rate; penalty for early withdrawal applies; rates effective for a limited time only

Term: 6 months to 11 months; Balance: $100,000.00 and over; Rates as of September 18, 2026

90-day early withdrawal penalty

As of 10/01/2026

Dividends paid monthly; 90 days dividend early withdrawal penalty (regular IRA distributions excluded)

Minimum opening balance of $1,000; Limited time offer; Rates apply to new deposits only; Early withdrawal penalty: 6-12 Month CD - 3 Month Interest Penalty; CD APY accurate as of 07/20/26

Interest Credited: Every 3 months; FDIC Insured: Yes; Account Maximum: $1,000,000

Balance: $1,000 minimum

Online Only; 30-day penalty if withdrawn before maturity

Minimum $1,000 required to open and obtain APY; Penalty for early withdrawal applies; APY accurate as of 5/27/26

Balance: $1,000 minimum to obtain APY

Partial withdrawals allowed; APY as of 10/20/2026

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.