| 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| Offer may be withdrawn without further notice.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 | ||
| 2 to 4 month CD | 3.00% | 2.96% | ||
| 5 to 7 Month CD | 3.50% | 3.44% | ||
| 8 to 10 Month CD | 4.00% | 3.92% | ||
| 11 to 14 Month CD | 4.00% | 3.92% | ||
| 15 to 19 Month CD | 4.00% | 3.92% | ||
| 24 Month CD | 4.10% | 4.02% | ||
| 30 Month CD | 4.10% | 4.02% | ||
| 36 Month CD | 4.10% | 4.02% | ||
| 42 Month CD | 4.10% | 4.02% | ||
| 48 Month CD | 4.15% | 4.07% | ||
| 60 Month CD | 4.25% | 4.16% | ||
| 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 | 3.00% | 2.96% | ||
| $25,000.00 - $49,999.99 | 3.00% | 2.96% | ||
| $50,000.00 - $99,999.99 | 3.25% | 3.20% | ||
| $100,000.00 and above | 3.25% | 3.20% | ||
| 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 | 1.00% | 1.00% | ||
| $5,000.00 - $24,999.99 | 3.25% | 3.20% | ||
| $25,000.00 - $49,999.99 | 3.25% | 3.20% | ||
| $50,000.00 - $99,999.99 | 3.25% | 3.20% | ||
| $100,000.00 and above | 3.25% | 3.20% | ||
| Regular Savings | ||||
| Rates are varible based on balance and subject to change | ||||
| Fees may reduce earnings | ||||
| Additional Disclosures | ||||
| Balance | APY | Interest Rate | ||
| ALL | 1.00% | 1.00% | ||
| Club Accounts | ||||
| Rates are subject to change | ||||
| Fees may reduce earnings | ||||
| Additional Disclosures | ||||
| Balance | APY | Interest Rate | ||
| No Minimum Balance | 1.25% | 1.24% | ||
| Member FDIC | ||||
| Deposit Insured to $100,000.00 | ||||