Rewards Checking

This checking account features all the perks of a free checking account plus earns you rewards points every time you use your debit card. Simply sign up for e-Statements to open this account.

Highlights:

• Earn Smart Rewards when you use your debit card
• Direct Deposit available

Additional Features:

This account has a $0 monthly fee and no minimum balance requirements, and also features free benefits such as Mastercard^® Debit Card, Bill Pay, iTalk, and Digital Banking.
Rewards Checking rates | Account Disclosure | Mastercard® Guide to Benefits

Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.

Smart Checking

This checking account features all the perks of a free checking account plus earns interest on your balance.

Highlights:

• Tiered rates, meaning the higher your balance, the higher your interest rate earned
• Direct Deposit available

Additional Features:

This account has a $0 monthly fee and no minimum balance requirements, and also features free benefits such as Mastercard^® Debit Card, Bill Pay, iTalk, and Digital Banking.
Smart Checking rates | Account Disclosure | Mastercard® Guide to Benefits

Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.

High Yield Checking

This checking account features all the perks of a checking account plus earns you 4% APY on balances up to $10,000^*

Highlights:

• To qualify, the following must be completed each month:
• 15 debit card transactions^*
• $1,000+ direct deposit
• 1 Digital Banking Login
• eStatement opt-in

Additional Features:

This account has a $0 monthly fee and no minimum balance requirements, and also features free benefits such as Mastercard® Debit Card, Bill Pay, iTalk, and Digital Banking.
High Yield Checking Rates | Account Disclosure | Mastercard® Guide to Benefits

Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.

Apply For A Loan

We make it easy to apply for the loan you need when it's convenient for you!

Vehicle Loans

We offer several affordable loan options for any type of vehicle you need. Whether it's a car, truck, motorcycle, RV or jet ski we've got you covered.

Auto & Motorcycle Loan Highlights:

• Various loan terms and down payment options available
• GAP, Mechanical Repair Coverage,and Credit Life & Disability coverage available
• OMNI's Car Buying Guide

Powersports Loan Highlights:

• Various loan terms and down payment options available
• Powersports loans available for jet-skis, boats and ATVs

Recreational Vehicle (RV) Loan Highlights:

• Various loan terms available
• RV loans available for travel trailers and motorhomes

Boat Loan Highlights:

• Various loan terms available
• Boat loans available for new and used boats, including personal watercraft.

Additional Features:

All our vehicle loans have no application fee and up to 100% financing/refinancing options. Digital Loan Closing is also available and our partners at TruStage Insurance can also provide you with a free insurance quote to protect your investment. Vehicle Loan rates

Your balance on any OMNI vehicle loan is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.

Home Loan

We offer home loans for purchase or refinance, as well as home equity loan options. Whether you're thinking of buying your first home, looking to refinance or considering a home remodel, we have several options to suit your needs.

Mortgage Highlights:

• Purchase or refinance
• Low fees and flexible payment options
• Apply 24/7 with approval in minutes

Home Equity Loan Highlights:

• Ideal option to pay for home improvement, debt consolidation or other major purchase
• Fixed rate with terms up to 20 years
• Fixed monthly payments
• Up to 90% LTV
• May be 100% tax deductible*
• No application fee, annual fee or closing cost

HELOC Highlights:

• Flexible revolving line of credit that can be used and paid for on an ongoing basis
• Rates typically less than credit cards
• 10 year draw period, variable rate and payment
• Pay interest on only what you use
• Access to your money when you want it
• Introductory 5.75% APR^** for 12 months

Home Improvement Loan:

• Rates as low as 8.49%
• Same day closings
• Loans up to $30,000 for joint borrowers
• Terms up to 5 years

Additional Features:

Our partners at TruStage Insurance can provide a free insurance quote to protect your investment. Mortgage rates

Your balance on any OMNI Home loan is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.

* Consult your tax advisor.
**Annual Percentage Rate. Introductory rate as low as 5.75% depending on credit history, term and security offered for new home equity line of credit loans opened July 1, 2025 through December 31, 2025. Minimum qualifications for the introductory rate include 85% maximum combined loan-to-value ratio and a minimum credit score of 681. Introductory rate will be available for 12 months, then will convert to variable APR based on credit history, term and security offered APR will be based on WSJ Prime Rate (currently 7.50%) plus margin, subject to adjustment quarterly, and after the introductory period may range from 4.00% to 18,00%. Michigan and Indiana owner-occupied properties only. Program rates, terms and conditions are subject to change without notice and may be terminated at any time. Additional restrictions may apply. See branch for details.

Other Loans

We offer 4 other types of loans for other life events, which feature competitive rates and affordable payment options.

OMNI Fast Cash Highlights:

• Borrow between $300 - $2,000^*
• Fixed rate and term
• Upon approval, receive cash instantly into your OMNI account
• Learn more about OMNI Fast Cash loans

*Subject to underwriting. Must be an OMNI Community Credit Union Member for a minimum of 12 months to be eligible for a Fast Cash loan. No credit check is required. Must be 18 years or older. Eligibility is only available to primary account holder. Limited to one active Fast Cash loan at a time. Automatic payment transfer is required. First loan maximum is $500.

Personal Loan Highlights:

• Ideal option to pay for personal purchases such as appliances or debt consolidation
• Various term with both secured and unsecured options
• Competitive rates - Personal Loan rates

Your balance on any OMNI Personal loan is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.

Cash Reserve - Personal Line of Credit Highlights:

• Unsecured loan connected to your OMNI Checking Account
• No need to worry about overdrawing your account or paying NSF fees
• Competitive rates - Cash Reserve - Personal Line of Credit rates.

Your balance on any OMNI Cash Reserve loan is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.

Platinum Mastercard^®

We offer 2 Platinum Mastercard^® credit card options, one of which is sure to fit your needs.

Platinum Mastercard^®

For New Cardholders

Enjoy a 4.99% intro rate on all purchases for the first 6 months¹

Highlights

• Accepted worldwide
• Low competitive rate - lower than most banks

Apply   1.99% Balance Transfer^*

---

Platinum Rewards Mastercard^®

For New Cardholders

Earn 3X points on all purchases for the first 6 months²

Highlights

• Earn 1.5X points for every dollar spent until September 30, 2025!^**
• Low competitive rate - lower than most banks
• Redeem for cash back, gifts, and merchandise at any time.

Additional Features:

Both cards feature no annual fee, a 25-day grace period on purchases, free balance transfers and easy online account access where you can view and pay bills via Digital Banking. Platinum Mastercard^® rates | Terms & Conditions | Mastercard® Guide to Benefits

Your balance on any OMNI credit card is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.

Credit Life or Disability Claim

In your time of need, our claims process is quick and easy. If you elected credit life or disability on your loan, you can use this convenient claims process to quickly and easily file your insurance claim.

To begin, please fill out a claim form at https://myclaimportal.cunamutual.com/link/contract?ContractNumber=02104289

If you prefer, call (844) 707-4964 to begin the process and a CUNA Mutual Group Claims Specialist will guide you through the process.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. MEMBER'S CHOICE^® credit life and credit disability insurance is underwritten by CMFG Life Insurance Company.

TruStage™ Auto & Home Insurance Program

OMNI Community Credit Union could help you save on auto insurance

If you haven't gotten a quote lately, your credit union membership could help you save through the TruStage™ Auto & Home Insurance Program.

TruStage™ Auto & Home Insurance Program combines options to help you save with popular, member friendly benefits:

• Work with licensed insurance professionals within your state
• Get competitive rates, great service, and diverse vehicle insurance options through national providers
• Personalized service with extended hours

Get a free quote today. Don't wait to see how much you could save.

Auto and Home Insurance Products are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Product and features may vary and not be available in all states. © TruStage

AUT-2948958.4-0924-1026

TruStage™ Home Insurance Program

There's no place quite like the place you call home

You work hard to make your home a special place that holds your most treasured memories. Now that’s worth protecting.

The TruStage™Home Insurance Program helps you protect your house - and everything in it - with coverage underwritten by Liberty Mutual Insurance^®, including:

• ^*Potential savings for OMNI Community Credit Union members
• Coverage for damage or loss due to fire, weather, theft and more
• 24/7 claims, even on holidays

Get a free quote today and help make sure the place you call home has the protection it deserves.

A tradition of strength

TruStage is underwritten by CMFG Life Insurance Company, which is rated "A" (Excellent) as of December 2022 by A.M. Best, an independent rating service which evaluates financial stability and operating performance, year after year. An "A" rating is the third highest of 16 ratings.

^*Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
Auto and Home Insurance Products are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Product and features may vary and not be available in all states. ©TruStage

AUT-2948972.3

TruStage^® AD&D

A serious or fatal accident could change your family's life in a heartbeat. In fact, accidents are the third leading cause of death for people of all ages.^*

That's why you're entitled to no-cost TruStage® Accidental Death & Dismemberment Insurance - an exclusive member benefit fully paid for by OMNI Community Credit Union.

You can enroll in your no-cost coverage in just a few minutes or give us a call at 1-888-888-3942. If you choose, additional insurance is available for you or your entire family at budget-friendly rates. Your acceptance is guaranteed - with no health questions or medical exam.

To make a claim, please visit: myclaim.trustage.com

Delta Dental of Michigan

Dental coverage through Delta Dental of Michigan is available for OMNI Community Credit Union members. Members of OMNI Community Credit Union who live in Michigan, can enroll in the nation's largest dental networks: Delta Dental PPO and Premier Network. For more information and to enroll, please visit: https://omnicommunitycu.deltadental.thesalusgroup.com/

MedEdGroup, LLC

OMNI has partnered with MedEdGroup, LLC to provide you with all the information you need on Medicare! They are an insurance agency based in Michigan and certified in Medicare Advantage Compliance to provide Medicare supplements and advantage plans for eligible retirees in Michigan and 11 other states.

For more information, please visit: mededucationgroup.com

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact medicare.gov or (800) MEDICARE to get information on all of your options.

Banking online or by phone is quickly becoming the preferred way to bank. That's why we offer a variety of account access services so you can bank whenever, wherever.

Digital Banking

Manage your accounts online 24/7 from anywhere you have internet access. You can view your account and credit card statements, account history and transactions, transfer funds, pay bills and much more all from your computer. Learn more about Digital Banking

Digital Banking App

Access your accounts from your mobile device and view account information, transfer funds, deposit checks, pay bills, apply for a loan and more. Learn more about Digital Banking App

Bank By Phone - iTalk

Access your accounts by phone to transfer funds between accounts, make a loan payment, make stop payments and more. Contact us to learn more. iTalk toll free: 866-487-7715 or iTalk local: 269-441-3100

E-Statements

Electronic statements are delivered to you each month and are accessible through our Digital Banking service. This features less waste (no more paper statements) and is safe, secure and archived for your convenience. Contact us to learn more.

Direct Deposit

No need to stop in a branch when you use this service. Your payroll, social security or other monthly check can be automatically deposited into your account each month. You will need to provide your OMNI Account number and OMNI Routing Number - 2724-7665-3. Learn more about Direct Deposit.

Online Bill Pay

Easily schedule and pay bills online through Digital Banking for free. Imagine, you'll no longer need to mail payments or wait for automatic withdrawals. You'll have easy online access to your payment history which makes managing accounts that much easier. How to get Started with Online Bill Pay Benefits of Online Bill Pay.

Alerts

Schedule customized Alerts and reminders through Digital Banking. It's a great way to stay on top of your finances. Current Digital Banking App users can sign up by logging in. Learn more about Alerts.

Digital Loan Closing

Accept and sign your loan paperwork through email correspondence. No more trips to the branch to get your loan closed.

ATM/Debit Cards

Our Mastercard^® Debit Card lets you make purchases at millions of locations worldwide, wherever the Mastercard^® logo is accepted. Use your debit card to pay for goods and services and the funds come directly from your checking account. You can also use this card as an ATM card, making deposits, withdrawals and transfers. If you prefer, we also offer a traditional ATM card which enables you to make deposits, withdrawals and transfers via ATM.

CO-OP ATM Locator

CO-OP Network ATMs. Access your accounts at thousands of surcharge-free ATMs nationwide.

We are dedicated to providing all the products and services to make banking with us easy. That's why we also offer a variety of convenience services to our members. For assistance in any of these services or for additional information, give us a call at 866.OMNI.WOW or stop by a local branch office.

Digital Wallets

Now you are able to pay with a single touch using your OMNI Mastercard^® Debit Card or Platinum Mastercard^® Credit Card with digital wallets on your smart device. Pay in stores with a single touch wherever you see a logo for Apple Pay^®, Google Pay^®, Samsung Pay^®, or Garmin Pay^®. Learn more about Digital Wallets.

Wire Transfers

We offer domestic and international wire transfer service. Contact us to learn more.

Check Images

Access digital images of your checks through Digital Banking. You can view, print or download copies of paid checks from your current and prior two statement cycles free.

Financial Counseling

We've teamed up with GreenPath Financial Wellness, a financial management program to provide you with FREE access to money management and financial education services. Through this membership you can receive assistance with budgeting, debt repayment, money management, improving your credit score, avoiding bankruptcy/foreclosure/repossession and other ways to take control of your finances.

GreenPath Financial Wellness counselors are available Monday through Thursday 8am - 10pm, Friday 8am - 7pm and Saturday 9am - 1pm. To use this service, call 1-877-337-3399 or visit the GreenPath website.

*Annual Percentage Rate (APR) shown is based on you qualifying for all three of the following discounts off the standard rate: 0.25% off for OMNI checking account with debit card. 0.25% off if you have a current or prior loan (within last five years) with OMNI. 0.25% off for Digital Loan Closing. **5.74% available up to 36 months, other rates available up to 84 months.

*Annual Percentage Rate (APR) shown is based on you qualifying for all three of the following discounts off the standard rate: 0.25% off for OMNI checking account with debit card. 0.25% off if you have a current or prior loan (within last five years) with OMNI. 0.25% off for Digital Loan Closing. Up to .75% off if you qualify for all three discounts. 7.25% available up to 120 months. 100% financing under $50,000; 75% financing; 25% down payment required over $50,000.

*Annual Percentage Rate (APR) shown is based on you qualifying for all three of the following discounts off the standard rate: 0.25% off for OMNI checking account with debit card. 0.25% off if you have a current or prior loan (within last five years) with OMNI. 0.25% off for Digital Loan Closing.

*Annual Percentage Rate (APR) shown is based on you qualifying for all three of the following discounts off the standard rate: 0.25% off for OMNI checking account with debit card. 0.25% off if you have a current or prior loan (within last five years) with OMNI. 0.25% off for Digital Loan Closing. Up to .75% off if you qualify for all three discounts. 7.25% available up to 120 months. 100% financing under $50,000; 75% financing; 25% down payment required over $50,000.

*HELOC Variable interest rate is based on market rates and subject to change at least quarterly. Michigan and Indiana owner-occupied properties only. Program rates, terms and conditions are subject to change without notice. Additional restrictions may apply.

*Annual Percentage Rate (APR) subject to change.

*Variable interest rate is based on market rates and subject to change monthly.

^*4.000% APY will apply only when all High Yield Reward Qualification requirements are met during the statement cycle. Where High Yield Reward Qualification requirements are not met in any statement cycle, the 0.010 APY will apply to the entire account balance. See the Truth in Savings Disclosure for High Yield Reward Qualification requirements and other information concerning this account.

*Youth Special: $1,000 maximum. Ages 0-17. One per member.

Jumbo Certificate Minimum Balance: $100,000.

These calculators can help you estimate loan payments, savings and Cashback Rebate totals. Inconsistencies may occur with use. Calculation results are not guaranteed.

Loan Calculator

Savings Calculator

Cashback Rebate Calculator