Personal CDs

Grow Your Savings with Flexible, Fixed-Rate CD Accounts

Looking for a reliable way to grow your savings? New Omni Bank’s high-yield CD accounts help you earn more from your money with competitive fixed returns, flexible terms, and FDIC-insured protection.

Our CDs (Certificates of Deposit) are ideal for anyone seeking a low-risk, fixed return savings plan—whether you’re building an emergency fund, saving for a future purchase, or planning long-term financial growth.

How Does a CD Account Work?

A CD account is a time-based savings tool that lets you earn a higher interest rate in exchange for keeping your funds on deposit for a set term. It’s a smart way to grow your money safely and steadily—with guaranteed returns and no market risk.

All of our CD accounts are FDIC-insured up to $250,000, providing peace of mind and protection for your savings.

Signature CD Accounts With Different Terms

3-Month CD

This CD offers a quick return, perfect for individuals searching for short-term CD rates or quick savings growth.

5-Month CD

Elevate your savings strategy with this short-term CD, offering slightly higher interest potential for a modest investment period.

6-Month CD

Secure a brief yet impactful investment. It’s tailored for savers seeking flexibility and notable returns.

9-Month CD

Discover the middle ground investment, blending stability and medium-term growth.

12-Month CD

Build a solid foundation for your savings with a one-year term investment.

24-Month CD

Expand your investment horizon with our two-year CD, significantly enhancing your savings potential.

36-Month CD

This long-term savings option rewards patience and commitment, ideal for long-term savings growth.

New Omni Bank CD Account Overview

Minimum Opening Deposit

$10,000

Interest

Earn fixed rates across CD terms of 3, 5, 6, 9, 12, 24, and 36 months¹

Monthly Service Maintenance Fee

Features & Benefits

We use the daily balance method to calculate interest. This method applies a daily periodic rate to the principal in the account each day. Once you open your account, you may not make any additional deposits into your account before maturity. An early withdrawal penalty will apply if you withdraw any or all the deposited funds before the maturity date. The fee imposed will equal 1 month of interest for CD term 6 months or less and will equal 3 months of interest for CD term more than 6 months on the amount withdrawn.

Effective July 1, 2024. For more detailed information, see Deposit Agreements and Disclosures and Deposit Rate Sheet. Products, services, interest rates and fees are subject to change. You may visit FDIC Electronic Deposit Insurance Estimator (EDIE) to find out how much your deposits are insured https://edie.fdic.gov/index.html.