OAB One American Bank Rates and Review February 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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OAB One American Bank's IRA Certificate of Deposit - 12-Month CD rates are at 3.85%, 3-Month CD rates are at 3.50%, 60-Month CD rates are at 2.36%, 24-Month CD rates are at 1.96%, 30-Month CD rates are at 1.96%. OAB One American Bank's savings rates are at 0.25%.
Rate Updates and AvailabilityOAB One American Bank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at OAB One American Bank? Share your experience about OAB One American Bank by leaving a review below, or read customer reviews before you decide to use OAB One American Bank. OAB One American Bank Texas RatioOAB One American Bank's Texas Ratio is at 3.66%, which is considered excellent. The Texas Ratio for OAB One American Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
OAB One American Bank has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Overall, OAB One American Bank is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. 
OAB One American Bank CD Rates
OAB One American Bank Savings Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for OAB One American Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather OAB One American Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with OAB One American Bank's official website for the most current offers and terms.
Bank Profile & OverviewOAB One American Bank
549 Broadway StCenterville, SD 57014 Turner Established Date: 01/01/1883 FDIC Certificate #: 6078 Date of FDIC Deposit Insurance: 01/01/1934 Bank Holding Company: ONE AMERICAN FINANCIAL CORP How Many Domestic U.S. Offices? 3 How Many Branches are There? 3 Website: https://www.oneamericanbank.com
Is OAB One American Bank FDIC Insured? Yes
What is OAB One American Bank's Cert number? 6078
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$463,949,000
Total Deposits:
$322,866,000
Equity Capital:
$43,777,000
Net Income:
$-1,472,000
Return on Assets (ROA):
-0.4706%
Return on Equity (ROE):
-5.7300%
Headquarters:
Centerville
Regulator:
FDIC
# of Offices:
3
Source: FDIC | Last Updated 03/31/2024
Customer ReviewsThere are no reviews for OAB One American Bank yet. Feel free to create one below.
Add Your Rating and Review for OAB One American Bank
Frequently Asked Questions About OAB One American BankHow do I open an account at OAB One American Bank?You can typically open an account at OAB One American Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, OAB One American Bank provides a range of mortgage and home equity products. Is OAB One American Bank a safe place to deposit money?Yes, OAB One American Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does OAB One American Bank offer online and mobile banking?Most modern institutions like OAB One American Bank provide digital access including online balance checks and transfers. Compare to other Banks |
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