OptimumBank Current Rates
(All rates current as published and are subject to change at anytime.)
Offer may be withdrawn without further notice.
APY means 'Annual Percentage Yield'.

	Certificates of Deposit
	Rates are fixed for term of CD
	May be subject to penalties for early withdrawal
	Additional Disclosures
	Term of CD	APY	Interest Rate
	3 Month CD	0.40%	0.40%
	6 Month CD	0.50%	0.50%
	9 Month CD	0.60%	0.60%
	12 Month CD	0.85%	0.85%
	18 Month CD	1.00%	1.00%
	24 Month CD	1.20%	1.19%
	30 Month CD	1.20%	1.19%
	36 Month CD	130%	1.29%
	42 Month CD	1.30%	1.29%
	48 Month CD	1.40%	1.39%
	60 Month CD	1.65%	1.64%

	Money Market Checking
	Rates are variable based on balance and subject to change
	Fees may reduce earnings
	Additional Disclosures
	Balance	APY	Interest Rate
	0 - 999.99	0.00%	0.00%
	$1,000.00 - $24,999.99	0.30%	0.30%
	$25,000.00 - $49,999.99	0.40%	0.40%
	$50,000.00 - $99,999.99	0.50%	0.50%
	$100,000.00 and above	0.75%	0.75%

	Optimum Checking
	Rates are varible based on balance and subject to change
	Fees may reduce earnings
	Additional Disclosures
	Balance	APY	Interest Rate
	$0 - $999.99	0.00%	0.00%
	$1,000.00-$9,999.99	0.25%	0.25%
	$10,000.00 and above	0.25%	0.25%

	Optimum Savings
	Rates are varible based on balance and subject to change
	Fees may reduce earnings
	Additional Disclosures
	Balance	APY	Interest Rate
	$0 - $4,999.99	0.25%	0.25%
	$5,000.00 - $24,999.99	0.25%	0.25%
	$25,000.00 - $49,999.99	0.25%	0.25%
	$50,000.00 - $99,999.99	0.25%	0.25%
	$100,000.00 and above	0.50%	0.50%

	Regular Savings
	Rates are varible based on balance and subject to change
	Fees may reduce earnings
	Additional Disclosures
	Balance	APY	Interest Rate
	ALL	0.25%	0.25%


	Member FDIC
	Equal Housing Lender

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules. The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, please visit the FDIC website (external link).