RATES
At OMNI, we offer competitive rates on our financial products to help you meet your goals. Below you'll find our current rates for all our banking products as of 2025-08-18.
Effective 2025-08-18 | Fees may reduce earnings. Rates and Terms are subject to change.
APR = Annual Percentage Rate | APY = Annual Percentage Yield
LOAN RATES
| AUTO LOAN | Apply | |
|---|---|---|
| 2019 and Newer (Various terms) | As low as 5.49% APR* | |
| 2016 to 2018 (Auto only) | As low as 6.74% APR |
*5.49% available up to 36 months, other rates available up to 84 months.
| MOTORCYCLE LOAN | Apply | |
|---|---|---|
| 2019 and Newer (Various terms) | As low as 5.49% APR* |
*5.49% available up to 36 months, other rates available up to 84 months.
| RV LOAN | Apply | |
|---|---|---|
| 2023 and Newer | As low as 7.25% APR | |
| 2018 to 2022 | As low as 8.25% APR |
| POWER SPORTS LOAN | Apply | |
|---|---|---|
| 2019 and Newer | As low as 7.25% APR |
| BOAT LOAN | Apply | |
|---|---|---|
| 2024 and Newer | As low as 7.25% APR | |
| 2019 to 2023 | As low as 8.25% APR |
| HOME EQUITY LOAN | Contact | |
|---|---|---|
| Fixed Rate: Second Lien 90% LTV | As low as 6.50% 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 | ||
|---|---|---|
| Closed End Unsecured (Various terms) | As low as 11.49% APR* | |
| Shared Secured (Various terms) | As low as 5.25% APR* | Apply |
| Certificate of Deposit Secured | CD Rate plus 2.50% APR* | |
| Cash Reserve Line of Credit | As low as 14.95% APR* | |
| Home Improvement Loan | As low as 8.49% APR* | Apply |
| OMNI Fast Cash | As low as 22.99% APR* |
*Annual Percentage Rate (APR) subject to change.
| CREDIT CARD | Apply | |
|---|---|---|
| Platinum | As low as 11.49% APR* | |
| Platinum Rewards | As low as 15.49% APR* |
*Variable interest rate is based on market rates and subject to change monthly.
CHECKING RATES
| HIGH YIELD CHECKING ACCOUNT | ||
|---|---|---|
| $0.01-$10,000 | 4.000% APY* | |
| $10,000.01 and up | 0.010% APY* |
*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.
| REGULAR/REWARDS CHECKING ACCOUNT | ||
|---|---|---|
| $0 and up | 0.000% APY |
| SMART CHECKING ACCOUNT | ||
|---|---|---|
| $100 to $2,499.99 | 0.000% APY | |
| $2,500 to $4,999.99 | 0.000% APY | |
| $5,000 to $9,999.99 | 0.050% APY | |
| $10,000 to $24,999.99 | 0.100% APY | |
| $25,000 to $49,999.99 | 0.125% APY | |
| $50,000 and up | 0.150% APY |
BUSINESS RATES
| BUSINESS CHECKING | ||
|---|---|---|
| $100 to $7,499.99 | 0.000% APY | |
| $7,499.99 to $14,999.99 | 0.050% APY | |
| $15,000.00 and up | 0.100% APY |
| BUSINESS SAVINGS | ||
|---|---|---|
| $100 - $4,999.99 | 0.025% APY | |
| $5,000 - $9,999.99 | 0.075% APY | |
| $10,000 and up | 0.100% APY |
| BUSINESS MONEY MARKET | ||
|---|---|---|
| $2,500 - $24,999.99 | 0.250% APY | |
| $25,000 - $49,999.99 | 0.300% APY | |
| $50,000 - $99,999.99 | 0.350% APY | |
| $100,000 - $199,999.99 | 0.500% APY | |
| $200,000 and up | 0.600% APY |
| BUSINESS CERTIFICATES OF DEPOSIT | ||
|---|---|---|
| 6 Month | 0.600% APY | |
| 6 Month Jumbo | 0.850% APY | |
| 9 Month Special | 4.250% APY | |
| 12 Month | 0.750% APY | |
| 12 Month Jumbo | 1.000% APY | |
| 14 Month Special | 4.000% APY | |
| 24 Month | 0.850% APY | |
| 24 Month Jumbo | 1.100% APY | |
| 26 Month Special | 3.750% APY | |
| 36 Month | 1.050% APY | |
| 36 Month Jumbo | 1.300% APY | |
| 48 Month | 1.150% APY | |
| 48 Month Jumbo | 1.400% APY | |
| 60 Month | 1.400% APY | |
| 60 Month Jumbo | 1.650% APY |