Savings and Certificate of Deposit Products

We’re prepared to work with you. To listen. To ask questions. And, most importantly, to provide solutions. A Savings or Certificate of Deposit (CD) account can be an important investment tool and an integral part of your overall financial picture.

Regular Savings

Build Savings for a Lifetime

A Savings Account that allows you to earn interest on deposit balances with easy access to your funds. An excellent account to begin saving or to keep in case of an emergency.

Call 954-900-2800 for current rates

  • $100 minimum deposit to open
  • $500 Average Daily Balance or Direct Deposit to avoid the $10 monthly maintenance fee
  • Interest rate tiered by account balance
  • Interest compounded daily, credited monthly
  • Limited to six (6) third-party debits by means of preauthorized automatic transfers, telephone transfers, electronic banking or mobile banking. $10 per excess debit per statement cycle
  • FREE Online Banking
  • FREE eStatements (Monthly Statement with EFT/ACH activity, otherwise quarterly)
  • FDIC Insured

Certificates of Deposit and Individual Retirement Account

Lock In Higher Interest Rates for Fixed Time Periods

OptimumBank CDs offer a guaranteed interest rate regardless of market fluctuation and the flexibility to choose a term that fits your investment needs. Open an IRA with us, and you’ll get a tax-deferred savings vehicle that will help you prepare for your retirement.

Call 954-900-2800 for current rates

  • $1,000 minimum deposit to open
  • Maturities: Choose terms from 3 months to 60 months
  • Account will automatically renew at maturity
  • CDs lock in interest rates, guaranteeing the income from the deposit for the term of the CD
  • Interest compounded daily, credited monthly
  • Penalty for early withdrawal
  • FDIC Insured