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.

Regular Savings

This is a simple and straightforward savings account that is a great choice if you're looking to start a savings program.

Highlights:

  • $5 minimum opening deposit
  • $100 minimum balance to earn interest
  • Unlimited withdrawals
  • Direct Deposit available

Additional Features:

This account also features free benefits such as eAlerts, iTalk, Mobile and Internet 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

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

Smart Savings

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.

Highlights:

  • $0 minimum opening deposit
  • $1,000 minimum balance to earn interest
  • Unlimited withdrawals
  • Direct Deposit available

Additional Features:

This account also features free benefits such as eAlerts, iTalk, Mobile and Internet 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

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

Senior Advantage

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.

Highlights:

  • 6 free withdrawals from non CO-OP network ATMs/month
  • 2 free boxes of checks per year

Additional Features:

This account also features free benefits such as eAlerts, iTalk, Mobile and Internet 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

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

Health Savings Account

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.

Highlights:

  • $0 minimum opening deposit
  • $100 minimum balance to earn interest
  • Unlimited withdrawals
  • Direct Deposit available
  • Potential tax benefits*

Additional Features:

This account also features free benefits such as eAlerts, iTalk, Mobile and Internet 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

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

Christmas Club

This account makes it easy to save throughout the year so you can build up the funds you need for the holiday season.

Highlights:

  • $0 minimum opening deposit
  • $100 minimum balance to earn interest
  • Funds can be withdrawn from October 1 through December 31

Additional Features:

This account also features free benefits such as eAlerts, iTalk, Mobile and Internet Banking. Interest on this account is compounded daily and paid monthly. Christmas Club rates | Account Disclosure

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

Youth Savings

There are 2 savings account options for our youngest members and both offer unlimited withdrawals and special promotions to encourage savings.

Highlights for Penny Panda (1-12 yrs):

  • $200 to open a CD
  • $5 minimum balance to earn interest

Highlights for Cyber Savers (13-17 yrs):

  • $500 to open a CD
  • $100 minimum balance to earn interest
  • First 50 checks are free

Additional Features:

This account also features free benefits such as eAlerts, iTalk, Mobile and Internet 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

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

Money Market

This account is ideal if you want easy access to your funds plus more return for your money, without making a long-term investment.

Highlights:

  • $0 minimum opening deposit
  • $2,500 minimum balance to earn interest
  • Easy access to funds, up to 6 electronic withdrawals per month

Additional Features:

This account also features free benefits such as eAlerts, iTalk, Mobile and Internet 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

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

Certificates of Deposit (CD)

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.

Highlights:

  • Minimum $1,000 balance to earn interest
  • Minimum $100,000 balance to earn jumbo interest rates
  • Variety of terms from 6* to 60 months
  • Automatic renewal at maturity

Additional Features:

This account also features free benefits such as eAlerts, iTalk, Mobile and Internet Banking. CD rates | Account Disclosure

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

Individual Retirement Accounts (IRAs)

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.

Traditional IRA Highlights:

  • Tax-deferred earnings and possible tax-deductible contributions
  • Contributions are increasing
  • IRA CD option

Additional Features:

This account also features free benefits such as eAlerts, iTalk, Mobile and Internet Banking. IRA rates | Account Disclosure

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

Roth IRA Highlights:

  • Tax-deferred earnings
  • Contributions are increasing
  • Withdraw funds without tax consequences
  • IRA CD option

Additional Features:

This account also features free benefits such as eAlerts, iTalk, Mobile and Internet Banking. IRA rates

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

Coverdell (ESA) IRA Highlights:

  • Can be used to pay for qualified elementary and secondary education expenses
  • Tax-free and penalty-free if used for qualified education expenses
  • Contribute up to $2,000 per child annually

Additional Features:

This account also features free benefits such as eAlerts, iTalk, Mobile and Internet Banking. IRA rates
Learn more about Coverdell (ESA) IRAs.

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

SEP (Simplified Employee Pension) IRA Highlights:

  • Ideal for self-employed individuals and small businesses
  • Simple to administer and less expensive to maintain
  • No government reporting
  • Discretionary contributions from year to year
  • Tax deduction for the employer or plan contributions
  • Tax-deferred contributions and earnings for employees

Additional Features:

This account also features free benefits such as eAlerts, iTalk, Mobile and Internet Banking. IRA rates Learn more about Simplified Employee Pension IRAs.

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

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
  • Earn 1,000 Bonus Points by signing up for e-Statements
  • Direct Deposit available

Additional Features:

This account has $0 monthly fee and no minimum balance requirements, and also features free benefits such as MasterCard Debit Card, Bill Pay, iTalk, Mobile and Internet Banking. Account Disclosure

money 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 $0 monthly fee and no minimum balance requirements, and also features free benefits such as MasterCard Debit Card, Bill Pay, iTalk, Mobile and Internet Banking. Account Disclosure

money 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

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

Additional Features:

All our vehicle loans have no application fee and up to 100% financing/refinancing options. E-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

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

Real Estate Loans

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.

Home Loan 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

Additional Features:

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

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

* Consult your tax advisor.

Other Loans

We offer 3 other types of loans for other life events, which feature competitive rates and affordable payment options.

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

money 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:

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

Student Loan Highlights:

  • Sallie Mae's Smart Option Student Loan - For college expenses not covered by scholarships and federal loans, OMNI Community Credit Union has partnered with Sallie Mae to bring you loans with great repayment options and competitive rates. Click here to apply and learn more details.

Platinum Visas

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

Platinum Visa Highlights:

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

Platinum Rewards Visa Highlights:

  • Earn 1 point for every dollar spent
  • Redeem rewards for gifts and merchandise at any time
  • Low competitive rate - lower than most banks

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 Internet Banking. Platinum Visa rates    Terms and Conditions

Apply VISA Balance Transfer

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

TruStage Auto Insurance

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.

TruStage Home Insurance

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.

TruStage Life Insurance

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.

TruStage AD&D Insurance

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

Investment Services

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.

Highlights:

  • Tax-advantaged strategies
  • Retirement funding and distribution
  • Business and succession strategies
  • College funding
  • Long-term care insurance

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 PolicyDisclosures • 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.

Internet 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 Internet Banking

Mobile 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.
Available on Google Play Available on the Appstore

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

Text Banking

This service is perfect for conducting basic transactions such as checking your account balances, account history and to transfer funds using your phone. Learn more about Text Banking.

E-Statements

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.

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 Internet Banking for free. Imagine, you'll no longer need to buy stamps to mail out your payments. You'll have easy online access to your payment history which makes managing accounts that much easier. Learn more about Online Bill Pay.

eAlerts

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

E-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.

Zip:

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.

Apple Pay

Now you are able to pay with a single touch using your OMNI MasterCard® Debit Card or Platinum Visa® Credit Card with Apple Pay on iPhone® 6 and iPhone 6 Plus*. Pay in stores with a single touch wherever the Apple Pay logo is displayed. Learn more about Apple Pay.

Wire Transfers

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

Check Images

Access digital images of your checks through Internet 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 Accel, 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.

Accel counselors are available Monday through Thursday 8am - 10pm, Friday 8am - 7pm and Saturday 9am - 1pm. To use this service, call 1-877-33ACCEL (332-2235) or visit them on the web at www.accelservices.org.

Online Security Center

Stay up to date on the lastest security updates, tips, news and scams via our website. Learn more about Online Security Center.

Effective 01/17/2017
AUTO/MOTORCYCLE LOAN RATESApply
2010 and Newer (Various terms)As low as 1.990% APR**
2007 to 2009 (Various terms)As low as 5.990% APR*
POWER SPORTS LOAN RATES
2015 and NewerAs low as 6.750% APR*
2010 to 2014As low as 7.250% APR*
RV LOAN RATES
2015 and NewerAs low as 5.250% APR*
2010 to 2014As low as 6.000% APR*
HOME LOAN RATESRates
HOME EQUITY LOAN RATESContact
Fixed Rate: Second Lien 90% LTVAs low as 4.500% APR
Line of CreditAs low as 4.000% APR*
OTHER LOAN RATESApply
Closed End Unsecured (Various terms)As low as 11.490% APR
VISA Platinum CardsAs low as 8.990% APR
Shared Secured (Various terms)As low as 5.250% APR
Certificate of Deposit SecuredCD Rate plus 2.500% APR
Cash Reserve Line of CreditAs low as 14.950% APR
REGULAR SAVINGS ACCOUNT RATES
$100 to $4,9990.025% APY
$5,000 to $9,9990.100% APY
$10,000 and up0.150% APY
SMART SAVINGS ACCOUNT RATES
$1,000 to $9,9990.050% APY
$10,000 to $24,9990.100% APY
$25,000 to $49,9990.150% APY
$50,000 and up0.200% APY
SENIOR ADVANTAGE SAVINGS ACCOUNT RATES
$100 to $4,9990.025% APY
$5,000 to $9,9990.100% APY
$10,000 and up0.150% APY
ADDITIONAL SAVINGS ACCOUNT RATES
Christmas Club0.100% APY
Regular IRA Savings0.750% APY
PENNY PANDA SAVINGS ACCOUNT RATES
$5 to $4,9990.250% APY
$5,000 to $9,9990.400% APY
$10,000 and up0.600% APY
SMART CHECKING ACCOUNT RATES
$100 to $2,4990.025% APY
$2,500 to $4,9990.050% APY
$5,000 to $9,9990.100% APY
$10,000 to $24,9990.150% APY
$25,000 to $49,9990.175% APY
$50,000 and up0.200% APY
MONEY MARKET ACCOUNT RATES
$2,500 to $24,9990.250% APY
$25,000 to $49,9990.300% APY
$50,000 to $99,9990.350% APY
$100,000 to $199,9990.400% APY
$200,000 and up0.500% APY
HEALTH SAVINGS ACCOUNT RATES
$100 to $2,4990.025% APY
$2,500 to $4,9990.050% APY
$5,000 to $9,9990.100% APY
$10,000 to $24,9990.150% APY
$25,000 to $49,9990.175% APY
$50,000 and up0.200% APY
CERTIFICATES OF DEPOSIT RATES
12 Month (Youth Special)5.000% APY*
18 Month (Special)1.350% APY
26 Month (Special)1.450% APY
38 Month (Special)1.600% APY
50 Month (Special)1.850% APY
6 Month (Not available in IRA CD)0.350% APY
1 Year0.500% APY
2 Year0.600% APY
3 Year1.000% APY
4 Year1.250% APY
5 Year1.500% APY
JUMBO CERTIFICATES OF DEPOSIT RATES
6 Month (Not available in IRA CD)0.600% APY
1 Year0.750% APY
2 Year0.850% APY
3 Year1.250% APY
4 Year1.500% APY
5 Year1.750% APY

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

Enter Your Account Balances where applicable

Enter Your Loan Balances where applicable

Effective 06/01/2016
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 Ordervaries
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 machines not owned by OMNI$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 Processing5% of coin amount
Escheated Account$25.00
Non-OMNI Card used at OMNI ATM$3.00 per transaction