At OMNI, we want to see you succeed and thrive financially. Since we're a not-for-profit credit union, we focus on providing the tools to help you do that. So whether it's products for everyday banking needs like checking, savings or credit cards, to bigger life goals such as home loans, auto loans or investment planning, we've got the financial tools you need for everyday living.
This is a simple and straightforward savings account that is a great choice if you're looking to start a savings program.
This account also features free benefits such as Alerts, iTalk, Digital Banking. Interest on this account is compounded daily and paid monthly and features tiered rates, meaning the higher your balance, the higher your interest rate earned! Regular Savings rates | Account Disclosure
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
This savings account is a great choice if you’re looking to earn a higher interest rate and have the ability to maintain a higher balance.
This account also features free benefits such as Alerts, iTalk, Digital Banking. Interest on this account is compounded daily and paid monthly and features tiered rates, meaning the higher your balance, the higher your interest rate earned! Smart Savings rates | Account Disclosure
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
If you’re 55+ years old, this savings account features a great rate plus additional perks only available to our senior members. Simply maintain $5,000+ in combined savings and loan balances and have direct deposit of your payroll, pension or social security.
This account also features free benefits such as Alerts, iTalk, Digital Banking. Interest on this account is compounded daily and paid monthly and features tiered rates, meaning the higher your balance, the higher your interest rate earned! Senior Advantage rates | Account Disclosure
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
This savings account is a great choice if you're looking to get a handle on rising health care costs. It comes with a free MasterCard® Debit Card which you can use to pay for medical co-payments, office visits, prescriptions and other health related expenses, with the funds deducted directly from this account.
This account also features free benefits such as Alerts, iTalk, Digital Banking.
Interest on this account is compounded daily and paid monthly and features tiered rates, meaning
the higher your balance, the higher your interest rate earned!
Health Savings Account
rates | Account Disclosure
Learn more about Health
Savings Account
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
*Consult your tax advisor for more details.
This account makes it easy to save throughout the year so you can build up the funds you need for the holiday season.
This account also features free benefits such as Alerts, iTalk, Digital Banking. Interest on this account is compounded daily and paid monthly. Christmas Club rates | Account Disclosure
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
There are 2 savings account options for our youngest members and both offer unlimited withdrawals and special promotions to encourage savings.
This account also features free benefits such as Alerts, iTalk, Digital Banking. Interest on this account is compounded daily and paid monthly and features tiered rates, meaning the higher your balance, the higher your interest rate earned! Youth Savings rates | Account Disclosure
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
This account is ideal if you want easy access to your funds plus more return for your money, without making a long-term investment.
This account also features free benefits such as Alerts, iTalk, Digital Banking. Interest on this account is compounded monthly and features tiered rates, meaning the higher your balance, the higher your interest rate earned! Money Market rates | Account Disclosure
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
This is a great option if you have a lump sum of money that you'd like to earn higher interest on. Our Certificates of Deposit are safe, secure and earn some of the highest yields in the country. We offer a variety of terms so that you can select the one that works best for your needs. We also offer a Youth CD for our youngest members.
This account also features free benefits such as Alerts, iTalk, Digital Banking. CD rates | Account Disclosure
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
*6-month term not available in IRA CD.
We offer 4 types of IRAs for our members - Traditional, Roth, Coverdell (ESA), and SEP. Each provides unique benefits based on your age and retirement planning goals. Learn more about IRAs.
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
This account also features free benefits such as Alerts, iTalk, Digital Banking.
IRA rates
Learn more about Coverdell (ESA) IRAs.
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
This account also features free benefits such as Alerts, iTalk, Digital Banking. IRA rates Learn more about Simplified Employee Pension IRAs.
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
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.
This account has $0 monthly fee and no minimum balance requirements, and also features free benefits such as MasterCard Debit Card, Bill Pay, iTalk, Digital Banking. Rewards Checking rates | Account Disclosure
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
This checking account features all the perks of a free checking account plus earns interest on your balance.
This account has $0 monthly fee and no minimum balance requirements, and also features free benefits such as MasterCard Debit Card, Bill Pay, iTalk, Digital Banking. Smart Checking rates | Account Disclosure
Your balance on this account is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
We make it easy to apply for the loan you need when it's convenient for you!
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.
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.
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.
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.
We offer 3 other types of loans for other life events, which feature competitive rates and affordable payment options.
Your balance on any OMNI Personal loan is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
Your balance on any OMNI Cash Reserve loan is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
Whether you're an undergraduate, graduate student, or parent, Get money for school from Sallie Mae®
Student loans from OMNI Community Credit Union in partnership with Sallie Mae® could help! Sallie Mae® higher education loans are designed for the needs of undergraduates, graduate students, and parents.
We offer 2 Platinum Mastercard® credit card options, one of which is sure to fit your needs.
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 and Conditions
Your balance on any OMNI credit card is also part of our Cashback Rebate Program.
Learn more about Cashback Rebate.
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™ Insurance offers comprehensive coverage for your vehicles. They can find you great insurance for any new or used car, as well as get an insurance quote on RVs, boats, motorcycles or collector cars.
Owning a home is possibly the biggest investment you'll make in your lifetime. Their professional Insurance Agents will guide you through the process of choosing the best insurance to protect your home and your family.
Life insurance provides your family with financial protection in a time of loss and uncertainty. They can help you choose the coverage that best suits your family's needs, so that you'll have peace of mind knowing that your loved ones will be financially secure after your death.
To help you protect the people who matter most in your life, your credit union endorses TruStage™ Accidental Death and Dismemberment (AD&D) Insurance from CMFG Life Insurance Company. AD&D pays a cash benefit in the event of a covered injury or death due to an accident.
TruStage™ is a team of insurance professionals that will work with you to find the coverage you need. The programs they can provide feature discounted rates for credit union members, feature online services and 24/7 claims service. For more information, or to request a free quote call (855) 483-2149 or online at TruStage™
TruStage™ Auto and Home Insurance program is offered by
TruStage™ Insurance Agency, LLC and issued by leading insurance companies.
Discounts are not available in all states and discounts vary by state. The insurance offered is
not a deposit and is not federally insured. This coverage is not sold or guaranteed by your
credit union.
MAH-1112-4AA6
TruStage™ is the marketing brand for the insurance sold through CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. Your credit union enables this insurance program to be offered and is entitled to compensation from CMFG Life Insurance Company. Products may not be available in all states. Be sure to understand the complete details of coverage, including any exclusions and limitations.
At OMNI Community Credit Union we are committed to helping our members with their financial well being. That's why we provide to you our OMNI Community Credit Union Financial Advisor. Our Financial Advisor is part of Cetera Advisor Networks LLC and can introduce you to a mix of investments options based on your unique situation and is there to help.
Securities and advisory services offered through Cetera Advisor Networks LLC., member FINRA, SIPC. Cetera is under separate ownership from any other named entity. Cetera Advisor Networks LLC nor any of its agents or representatives give legal or tax advice. Check the background of this investment professional of FINRA's BrokerCheck. NOT NCUA/NCUSIF INSURED • NOT A DEPOSIT • NO CREDIT UNION GUARANTEE • MAY LOSE VALUE • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • Privacy Policy • Disclosures • Registered Address: 3141 Capital Ave. SW, Battle Creek, MI 49015. This site is published for residents of the United States only. Registered Representatives of Cetera Advisor Networks LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor. For additional information please contact the advisor(s) or visit the Cetera Advisor Networks LLC site at www.ceteraadvisornetworks.com.
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.
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
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
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
Electronic statements are delivered to you each month and are accessible through our Internet Banking service. This features less waste (no more paper statements) and is safe, secure and archived for your convenience. Contact us to learn more.
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.
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 Watch a Demo Benefits of Online Bill Pay.
Schedule customized Alerts and reminders through Digital Banking. It's a great way to stay on top of your finances. Current Internet and Digital Banking App users can sign up by logging in. Learn more about Alerts.
Accept and sign your loan paperwork through email correspondence. No more trips to the branch to get your loan closed.
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 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.
Now you are able to pay with a single touch using your OMNI MasterCard® Debit Card or Platinum Mastercard® Credit Card with Apple Pay on iPhone®. Pay in stores with a single touch wherever the Apple Pay logo is displayed. Learn more about Apple Pay.
We offer domestic and international wire transfer service. Contact us to learn more.
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.
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 them on the web at www.greenpathref.com.
Effective 02/15/2021 | Rates and Terms are subject to change. APR= Annual Percentage Rate. APY = Annual Percentage Yield. Print Rates |
AUTO/MOTORCYCLE LOAN RATES | Apply |
---|---|
2014 and Newer (Various terms) | As low as 2.99% APR** |
2011 to 2013 (Various terms) | As low as 5.990% APR* |
*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. **2.99% available up to 36 months; other rates available up to 72 months.
POWER SPORTS LOAN RATES | |
---|---|
2019 and Newer | As low as 6.750% APR* |
2014 to 2018 | As low as 7.250% APR* |
*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.
RV LOAN RATES | |
---|---|
2019 and Newer | As low as 6.000% APR* |
2014 to 2018 | As low as 6.750% APR* |
*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. *6.00% available up to 120 months. 100% financing under $50,000; 75% financing; 25% down payment required over $50,000.
HOME LOAN RATES | Rates |
---|
HOME EQUITY LOAN RATES | Contact |
---|---|
Fixed Rate: Second Lien 90% LTV | As low as 5.250% APR |
Line of Credit | Contact us for rate* |
* 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.
OTHER LOAN RATES | Apply |
---|---|
Closed End Unsecured (Various terms) | As low as 11.490% APR |
Mastercard Platinum Cards | As low as 8.990% APR |
Shared Secured (Various terms) | As low as 5.250% APR |
Certificate of Deposit Secured | CD Rate plus 2.500% APR |
Cash Reserve Line of Credit | As low as 14.950% APR |
REGULAR / SENIOR SAVINGS ACCOUNT RATES | |
---|---|
$100 to $4,999 | 0.025% APY |
$5,000 to $9,999 | 0.075% APY |
$10,000 and up | 0.100% APY |
SMART SAVINGS ACCOUNT RATES | |
---|---|
$1,000 to $9,999 | 0.050% APY |
$10,000 to $24,999 | 0.100% APY |
$25,000 to $49,999 | 0.125% APY |
$50,000 and up | 0.150% APY |
ADDITIONAL SAVINGS ACCOUNT RATES | |
---|---|
Christmas Club | 0.100% APY |
Regular IRA Savings | 0.400% APY |
PENNY PANDA / CYBER SAVINGS ACCOUNT RATES | |
---|---|
$5 to $4,999 | 0.250% APY |
$5,000 to $9,999 | 0.399% APY |
$10,000 and up | 0.598% APY |
SMART CHECKING ACCOUNT RATES | |
---|---|
$100 to $2,499 | 0.000% APY |
$2,500 to $4,999 | 0.000% APY |
$5,000 to $9,999 | 0.050% APY |
$10,000 to $24,999 | 0.100% APY |
$25,000 to $49,999 | 0.125% APY |
$50,000 and up | 0.150% APY |
MONEY MARKET ACCOUNT RATES | |
---|---|
$2,500 to $24,999 | 0.150% APY |
$25,000 to $49,999 | 0.200% APY |
$50,000 to $99,999 | 0.250% APY |
$100,000 to $199,999 | 0.300% APY |
$200,000 and up | 0.400% APY |
HEALTH SAVINGS ACCOUNT RATES | |
---|---|
$100 to $2,499 | 0.000% APY |
$2,500 to $4,999 | 0.000% APY |
$5,000 to $9,999 | 0.050% APY |
$10,000 to $24,999 | 0.100% APY |
$25,000 to $49,999 | 0.125% APY |
$50,000 and up | 0.150% APY |
CERTIFICATES OF DEPOSIT RATES | |
---|---|
12 Month (Youth Special) | 5.000% APY* |
6 Month (Not available in IRA CD) | 0.350% APY |
1 Year | 0.500% APY |
2 Year | 0.600% APY |
3 Year | 0.800% APY |
4 Year | 0.900% APY |
5 Year | 1.150% APY |
*Youth Special: $1,000 maximum. Ages 0-17. One per member.
JUMBO CERTIFICATES OF DEPOSIT RATES | |
---|---|
6 Month (Not available in IRA CD) | 0.600% APY |
1 Year | 0.750% APY |
2 Year | 0.850% APY |
3 Year | 1.050% APY |
4 Year | 1.150% APY |
5 Year | 1.400% APY |
These calculators can help you estimate loan payments, savings and Cashback Rebate totals. Inconsistencies may occur with use. Calculation results are not guaranteed.
Effective 01/01/2019 | Rates and Terms are subject to change. |
ACCOUNT FEES | |
---|---|
Deposit Item Returned (any reason) | $20.00 per item |
Paid NSF | $29.00 per item |
Returned NSF | $29.00 per item |
Stop Payment | $20.00 per item |
Cleared Check Copy | $3.00 per copy |
Copy of Deposited Check | $3.00 per copy |
Copy of Corporate Check | $3.00 per copy |
Copy of Corporate Money Order | $3.00 per copy |
Account Reconcilement | $20.00 per hour |
Check Printing Order | varies |
Garnishment/Levy | $50 |
Reprinted Statement | $1.00 per page |
Current Month History | $0.50 per page |
Archival Account Research | $20.00 per hour |
Joint Owner / Beneficiary Change (in excess of one every 12 months) | $20.00 per change |
Inactive Account (after 1 year) | $2.00 per month |
Undeliverable Address (after 60 days) | $2.00 per month |
Account Reopening (within 12 months of closure) | $20.00 per occurrence |
Account Closing (open less than a year) | $10.00 per occurrence |
Single Relationship Account | $5.00 per month |
ATM & DEBIT CARD FEES | |
---|---|
ATM Withdrawals from non-CO-OP Network machines | $1.50 per withdrawal |
Replacement PIN or Card | $5.00 per PIN/Card |
Debit Overdraft (whether paid or returned unpaid) | $29.00 per transaction |
SAFE DEPOSIT BOX FEES | |
---|---|
3 x 5 box | $15.00 Annually |
3 x 10 box | $30.00 Annually |
5 x 5 box (Centreville branch) | $30.00 Annually |
5 x 10 box | $50.00 Annually |
10 x 10 box (Centreville branch) | $100.00 Annually |
1 Key Replacement | $10.00 each |
Re-Drill Lock | $125.00 each |
Late Payment (30 Days Past Due) | $5.00 each |
MISCELLANEOUS FEES | |
---|---|
Incoming Domestic Wire Transfer | $5.00 per wire |
Outgoing Domestic Wire Transfer | $15.00 per wire |
International Wire Transfer | $30.00 per wire |
Cashier's Check | $3.50 per check |
Cashier's Check Replacement | $15.00 per item |
Money Order | $2.00 per item |
Money Order Replacement | $15.00 per item |
Automated Coin Processing | 5% of coin amount |
Escheated Account | $25.00 |
Non-OMNI Card used at OMNI ATM | $3.00 per transaction |