Optima Bank & Trust

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Commercial Deposit Rates

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$100 Minimum Deposit to Open

Money Market Interest Rate APY*
$.01 - $9,999.99 0.40% 0.40%
$10,000.00 - $24,999.99 0.50% 0.50%
$25,000.00 - $49,999.99 0.65% 0.65%
$50,000.00 - $99,999.99 0.70% 0.70%
$100,000.00 and above 0.70% 0.70%

$100 Minimum Deposit to Open

Interest Checking Interest Rate APY*
For non-profit organizations, sole proprietors and individuals doing business under a trade name ("DBA").
$.01 - $9,999.99 0.25% 0.25%
$10,000.00 - $99,999.99 0.40% 0.40%
$100,000.00 and above 0.70% 0.70%

$100 Minimum Deposit to Open

Savings Interest Rate APY*
Statement Savings 0.70% 0.70%

*APY = Annual Percentage Yield

Rates are subject to change at our discretion. Applicable fees may reduce earnings.

** Penalties for early withdrawal may apply. APY listed is an estimate; actual APY will be based on specific account terms and will be disclosed at account opening.

Portsmouth | 603-433-9600 •North Hampton | 603-433-9633 •Stratham | 603-773-5222

© 2012 Optima Bank & Trust

Printed on: 2/7/2012

$100 Minimum Deposit to Open

Health Savings Account (HSA) Interest Rate APY*
$.01 - $9,999.99 0.40% 0.40%
$10,000.00 - $24,999.99 0.50% 0.50%
$25,000.00 - $49,999.99 0.65% 0.65%
$50,000.00 - $99,999.99 0.70% 0.70%
$100,000.00 and above 0.70% 0.70%

$1,000 Minimum Deposit to Open

Certificate of Deposit** Interest Rate APY*
Customized terms also available
7-89 DAY 0.50% 0.50%
90 DAY 0.70% 0.70%
6 MONTH 0.75% 0.75%
12 MONTH 0.90% 0.90%
18 MONTH 1.09% 1.10%
24 MONTH 1.49% 1.50%
36 MONTH 1.64% 1.65%
48 MONTH 1.735% 1.75%
60 MONTH 1.98% 2.00%

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*APY = Annual Percentage Yield

Rates are subject to change at our discretion. Applicable fees may reduce earnings.

** Penalties for early withdrawal may apply. APY listed is an estimate; actual APY will be based on specific account terms and will be disclosed at account opening.