| Interest Checking |
- Minimum Deposit to Open: $100
- Variable Rate: Interest compounded daily credited monthly
- No Monthly Service Charge
- No Per Item Check or Debit Card Fees
- Free Optima Checks for Life
- No Minimum Balance Required
- No Transaction Limitations
- Free Online Banking, Bill Pay and Interbank Transfers
|
| Money Market |
- Minimum Deposit to Open: $100
- Variable Rate: Interest compounded daily credited monthly
- Monthly Service Charge: $12 if average daily balance falls below $2,500
- Transaction Limitations: Six withdrawals per month (No limitations on transfers made in person, by mail, ATM, or to pay an Optima Bank Loan)
|
| Statement Savings |
- Minimum Deposit to Open: $100
- Variable Rate: Interest compounded daily credited monthly
- Monthly Service Charge: $4 if average daily balance falls below $250
- Transaction Limitations: Six withdrawals per month (No limitations on transfers made in person, by mail, ATM, or to pay an Optima Bank Loan)
|
| Certificate of Deposit |
- Minimum Deposit to Open: $1,000 (Jumbo CD $100,000)
- Fixed Rate: Interest compounded daily credited monthly
- Interest Payment Methods: Add to balance; deposit to checking or savings; ACH transfer or check
- Penalty for early withdrawal may apply
- Custom terms are available
|
| IRA Certificate of Deposit |
- Traditional, Roth and SEP IRA Available
- Minimum Deposit to Open: $1,000 (Jumbo CD $100,000)
- Fixed Rate: Interest compounded daily credited monthly
- Interest Payment Methods: Add to balance; deposit to checking or savings; ACH transfer or check
- Penalty for early withdrawal may apply
- Custom terms are available
|
| Health Savings Account |
- Minimum Deposit to Open: $100
- Variable Rate: Interest compounded daily credited monthly
- Monthly Service Charge: $5 if average daily balance falls below $500
- One-time Setup Fee: $10
|
Skip to content
