Rates

OptimumBank Current Rates

All published current rates are effective as of August 1, 2017 and are subject to change at any time.
Offer may be withdrawn without further notice.
APY means ‘Annual Percentage Yield’

DIRECT INTEREST CHECKING

Rates are variable based on balance and subject to change
Fees may reduce earnings

Additional Disclosures

BalanceAPYInterest Rate
ALL0.50%0.50%

50+ INTEREST CHECKING

Rates are variable based on balance and subject to change
Fees may reduce earnings

Additional Disclosures

BalanceAPYInterest Rate
ALL0.50%0.50%

ULTIMATE INTEREST CHECKING

Rates are variable based on balance and subject to change
Fees may reduce earnings

Additional Disclosures

BalanceAPYInterest Rate
$0 - $1499.990.50%0.50%
$1,500.00 and above0.75%0.75%

BUSINESS INTEREST CHECKING

Rates are variable based on balance and subject to change
Fees may reduce earnings

Additional Disclosures

BalanceAPYInterest Rate
ALL0.75%0.75%

INTEREST ON LAWYER TRUST ACCOUNT (IOTA)

Rates are variable based on balance and subject to change
Fees may reduce earnings

Additional Disclosures

BalanceAPYInterest Rate
ALL0.25%0.25%

PERSONAL & BUSINESS MONEY MARKET

Rates are variable based on balance and subject to change
Fees may reduce earnings

Additional Disclosures

BalanceAPYInterest Rate
0-999.990.00%0.00%
$1,000.00 -
$24,999.99
0.20%0.20%
$25,000.00 -
$49,999.99
0.25%0.25%
$50,000.00 -
$99,999.99
0.35%0.35%
$100,000.00 and above0.57%0.57%

CERTIFICATES OF DEPOSIT

Rates are fixed for term of CD
May be subject to penalties for early withdrawal

Additional Disclosures

Term of CDAPYInterest Rate
3 Month CD0.20%0.20%
6 Month CD0.30%0.30%
9 Month CD0.35%0.35%
12 Month CD0.45%0.45%
18 Month CD0.55%0.55%
24 Month CD0.65%0.65%
30 Month CD0.75%0.75%
36 Month CD0.80%0.80%
42 Month CD0.90%0.90%
48 Month CD0.95%0.95%
60 Month CD1.20%1.19%

OPTIMUM SAVINGS

Rates are variable based on balance and subject to change
Fees may reduce earnings

Additional Disclosures

BalanceAPYInterest Rate
ALL0.15%0.15%