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 October 14, 2025.
Effective October 14, 2025 | 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 5.24% APR* | |
| 2016 to 2018 (Auto only) | As low as 6.74% APR |
*5.24% available up to 36 months, other rates available up to 84 months.
| MOTORCYCLE LOAN | Apply | |
|---|---|---|
| 2019 and Newer (Various terms) | As low as 5.24% APR* |
*5.24% available up to 36 months, other rates available up to 84 months.
| RV LOAN | Apply | |
|---|---|---|
| 2024 and Newer | As low as 7.25% APR | |
| 2019 to 2023 | 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.
| CREDIT CARD | Apply | |
|---|---|---|
| Platinum | As low as 11.24% APR* | |
| Platinum Rewards | As low as 15.24% APR* |
*Variable interest rate is based on market rates and subject to change monthly.
| OTHER LOAN RATES | ||
|---|---|---|
| Closed End Unsecured (Various terms) | As low as 11.49% APR* | |
| Auto Secured - 2014 and Older | As low as 6.74% APR* | |
| Other Secured - 2017 and Older | As low as 6.74% APR* | |
| OMNI Fast Cash | As low as 22.99% APR* | |
| Share 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 | 14.95% APR* | |
| Home Improvement Loan | As low as 8.49% APR* | Apply |
*Annual Percentage Rate (APR) subject to change.
SAVINGS ACCOUNTS
| REGULAR, SPECIAL, SENIOR, & BUSINESS SAVINGS | ||
|---|---|---|
| $100 - $4,999.99 | 0.025% APY | |
| $5,000 - $9,999.99 | 0.075% APY | |
| $10,000 and up | 0.100% APY |
| SMART SAVINGS | ||
|---|---|---|
| $1,000 - $9,999.99 | 0.050% APY | |
| $10,000 - $24,999.99 | 0.100% APY | |
| $25,000 - $49,999.99 | 0.125% APY | |
| $50,000 and up | 0.150% APY |
| PENNY PANDA & CYBER SAVERS | ||
|---|---|---|
| $5 - $4,999.99 | 0.250% APY | |
| $5,000 - $9,999.99 | 0.399% APY | |
| $10,000+ | 0.598% APY |
| CHRISTMAS CLUB | ||
|---|---|---|
| Christmas Club | 0.100% APY |
| REGULAR IRA SAVINGS | ||
|---|---|---|
| Regular IRA Savings | 0.400% 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 |
CHECKING ACCOUNTS & HSA
| REWARDS & REGULAR CHECKING | ||
|---|---|---|
| $0 and up | 0.000% APY |
| 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.
| SMART CHECKING & HSA | ||
|---|---|---|
| $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 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 |
MONEY MARKET ACCOUNTS
| $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 |
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 | |
| 12 Month Youth Special | 5.000% 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 |
*Not available for business accounts. $1,000 maximum. Ages 0-17. One per member.
IRA CDs not available for less than 9 months. CD Specials subject to change