Certificates of Deposit

Lock in a guaranteed return with a fixed-rate CD. Choose your term, know your yield up front, and keep your principal FDIC-insured.

Guaranteed Fixed Rate FDIC-Insured Flexible Terms

Features

Guaranteed growth, zero guesswork.

A fixed rate you can count on.

Guaranteed Fixed Rate

Your APY is locked for the full term — market swings don't change your return.

Choice of Terms

Pick the term that fits your timeline, from short to long maturities.

FDIC-Insured Principal

Your deposit is protected up to applicable FDIC limits.

Member-Rate Yields

Competitive CD rates that stand up to Marcus, Ally, and Synchrony.

Products & Rates

Compare CD terms and rates.

View RMO CD terms and APYs and see how they compare to the leading CD providers.

View CD Products →

See how RMO compares:

vs. Marcus CDs → vs. Ally CDs → vs. Synchrony CDs →

Learn

New to banking with RMO?

Our plain-English banking guides explain how to choose an account, how FDIC insurance works, savings vs. CDs, avoiding fees, and more.

Read the Banking Guides →

FAQ

Frequently asked questions

What happens at maturity?

At maturity you can withdraw your principal plus interest or renew into a new term. RMO notifies you before your CD matures.

Is there a penalty for early withdrawal?

Withdrawing before maturity may incur an early withdrawal penalty. Terms are disclosed when you open the CD.

Are CDs FDIC-insured?

Yes. RMO CDs are FDIC-insured up to applicable limits.

Support

How can we help?

We're here whenever you need us.

FAQs

Find answers to common questions about accounts, fees, and services.

Talk to Us

Reach our member services team by phone, email, or chat for personalized help.

Visit Us

Find a retail center near you for in-person service, appointments, and support.

FDIC Insurance. RMO Bank deposit accounts are FDIC-insured up to applicable limits ($250,000 per depositor, per insured bank, per ownership category). APYs and fees are accurate as of the date shown on each product page and are subject to change without notice. Fees may reduce earnings. Check-cashing and currency-exchange services are offered through RMO Financial and are not deposit products. See the applicable account agreement, rate sheet, and fee schedule for full terms, conditions, and any transaction limits.

Disclosure. This page is general educational information. Deposit accounts and banking services are offered through RMO Bank. RMO Bank deposit accounts — checking, savings, money market, and certificates of deposit — are insured by the FDIC up to the maximum amount permitted by law. Account terms, fees, and rates are disclosed in the applicable account agreement and fee schedule, which govern.