Skip to main content Go to Online Banking

Free REWARDS Checking and Savings!

Check out our free Kasasa accounts and their benefits now! - Kasasa Accounts

Money Markets

Save More, Earn More

Money markets allow you to invest large balances at higher interest rates than a traditional savings account, and, unlike CDs, you can still access your funds at any time.

CBO offers tiers that provide increasingly high interest rates for higher balances.

Smart Rate Money Market Details

  • Minimum opening deposit: $25,000.00
  • Minimum balance: $25,000.00
  • Monthly minimum balance charge: $20.00 (if below required minimum)
  • Interesting bearing
  • Account statements: monthly
  • Withdrawals per month: 6
  • Free Online Banking


Rates valid as of June 28th, 2023
* APY = Annual Percentage Yield

Smart Rate Money Market

Comparison table of Smart Rate Money Market
Min. Opening Deposit Balance/Term Interest Rate APY*
$25,000 $0.01 – $24,999.99 0.30% 0.30%
$25,000 $25,000.00 – $49,999.99 0.70% 0.70%
$25,000 $50,000.00 – $89,999.99 0.85% 0.85%
$25,000 $90,000.00 and above 1.00% 1.00%

Savings Calculator

Your Personal Banking Team

Shannon Rhoades
Shannon Rhoades Operations Supervisor About Me
Stacey Krause
Stacey Krause Personal Banker Supervisor About Me
Adrianna Swarthout
Adrianna Swarthout Personal Banker About Me
Heidi Peters
Heidi Peters Personal Banker About Me

Get Started with Your Money Market Request

Tell Us About Yourself

Physical Address

Mailing Address

Driver’s License

Some content requires Adobe Acrobat Reader to view.