What are the current interest rates at OAB One American Bank?

Current rates for OAB One American Bank include: 12-Month CD: 4.01%, 24-Month CD: 1.96%, 36-Month CD: 1.96%, 48-Month CD: 1.96%, 60-Month CD: 2.36%, Savings: 0.25%

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OAB One American Bank

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OAB One American Bank Rates & Review September 2026

Q: How many branches does OAB One American Bank operate?

OAB One American Bank currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, OAB One American Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, OAB One American Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 14, 2026

OAB One American Bank's 3-Month CD rates are at 4.15%, 12-Month CD rates are at 4.01%, 6-Month CD rates are at 4.01%, IRA Certificate of Deposit - 12-Month rates are at 4.01%, 15-Month Certificate rates are at 3.59%. OAB One American Bank's savings rates are at 0.25%. MonitorBankRates evaluates the financial stability of OAB One American Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.41%. Rates last updated and verified on 09/14/2026.

OAB 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.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.41%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

One American Bank

549 Broadway St
Centerville, SD 57014

https://www.oneamericanbank.com

OAB One American Bank CD Rates

Product	Rate	APY	Term
3 Month CD	4.09%	4.15%	3 Month
Min Deposit $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.41%
12 Month CD	3.95%	4.01%	12 Month
Min Deposit $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.41%
6 Month CD	3.95%	4.01%	6 Month
Min Deposit $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.41%
IRA Certificate of Deposit - 12 Month	3.95%	4.01%	12 Month
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.41%
15 Month Certificate	3.54%	3.59%	15 Month
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.41%
60 Month Certificate	2.34%	2.36%	60 Month
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.41%
24 Month Certificate	1.95%	1.96%	24 Month
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.41%
30 Month Certificate	1.95%	1.96%	30 Month
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.41%
48 Month Certificate	1.95%	1.96%	48 Month
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.41%
IRA Certificate of Deposit - 24 Month	1.95%	1.96%	24 Month
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.41%
IRA Certificate of Deposit - 36 Month	1.95%	1.96%	36 Month
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.41%

OAB One American Bank Savings Rates

Product	Rate	APY
Savings	3.25%	3.30%
Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.41%
Savings	2.76%	2.80%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.41%
Savings	2.37%	2.40%
Min Balance $10,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.41%
Savings	1.98%	2.00%
Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.41%
Simply Savings	0.25%	1.00%
Min Deposit $100 Min Balance $300 Details Fees could reduce earnings on these accounts. Interest Rates and Annual Percentage Yields are current as of August 5, 2026. For current rate information, please call (605) 361-1010. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.41%
Simply Savings	1.00%	1.00%
Min Deposit $100 Min Balance $1,000 Details Fees could reduce earnings on these accounts. Interest Rates and Annual Percentage Yields are current as of August 5, 2026. For current rate information, please call (605) 361-1010. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.41%
Simply Savings	1.00%	1.00%
Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.41%
Simply Savings	0.75%	0.75%
Min Balance $300 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.41%
Simply Savings	0.25%	0.25%
Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.41%

OAB One American Bank Checking Rates

Product	Rate	APY	View More
Premium+ Checking	1.00%	3.00%
Min Deposit $100 Min Balance $10,000 Details ATM Fee Refund up to $25 per statement period; Nationwide access to surcharge-free MoneyPass ATM Network; Avoid the $5 monthly maintenance fee by maintaining a $10,000 relationship balance or adding a direct deposit of at least $500. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.41%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

OAB One American Bank’s Texas Ratio rose from 3.42% in Q3 2023 to 12.41% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$285M	12.41%	5.0	A
March 31, 2026	$360M	8.06%	5.0	A
December 31, 2025	$357M	5.66%	5.0	A+
September 30, 2025	$368M	4.84%	5.0	A+
June 30, 2025	$385M	4.33%	5.0	A+
March 31, 2025	$386M	4.86%	5.0	A+
December 31, 2024	$405M	6.71%	5.0	A
September 30, 2024	$407M	8.13%	4.7	A-
June 30, 2024	$410M	7.32%	4.9	A
March 31, 2024	$451M	6.05%	4.9	A
December 31, 2023	$439M	4.42%	5.0	A+
September 30, 2023	$479M	3.42%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 & Overview

Institution Name OAB One American Bank

Bank Holding Company ONE AMERICAN FINANCIAL CORP

Address 549 Broadway St, Centerville, SD 57014 · Turner

Website https://www.oneamericanbank.com

FDIC Certificate # 6078

Established 18830101

FDIC Insurance Date 19340101

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

12.41%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) -3.9644%

Return on Equity (ROE) -47.9000%

Non-Performing Loans (NPL) 1.23%

Total Assets $285,193,000

Total Deposits $231,529,000

Equity Capital $28,319,000

Net Income $-6,621,000

Headquarters Centerville

Total Branches and Offices 3

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

OAB One American Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About OAB One American Bank

How many branches does OAB One American Bank operate?

OAB One American Bank currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, OAB One American Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, OAB One American Bank provides members with tools to manage their accounts and build a solid financial history.

Does OAB One American Bank offer online and mobile banking?

Most modern institutions like OAB One American Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.oneamericanbank.com.