Rates

OptimumBank Current Rates

All published current rates are effective as of March 11, 2014 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Offer may be withdrawn without further notice.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 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%

Money Market Checking

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%

Optimum Checking

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-$9,999.990.25%0.25%
$10,000.00 and above0.25%0.25%

Optimum Savings

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

BalanceAPYInterest Rate
$0 - $4,999.990.15%0.15%
$5,000.00 - $24,999.990.15%0.15%
$25,000.00 - $49,999.990.15%0.15%
$50,000.00 - $99,999.990.15%0.15%
 $100,000.00 and above0.25%0.25%

Regular Savings

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

BalanceAPYInterest Rate
ALL0.15%0.15%

Member FDIC
Equal Housing Lender