Optima Bank & Trust

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Personal Deposit Rates

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                   As of 04/21/2014

$100 Minimum Deposit to Open

Money Market Interest Rate APY*
$.01 - $9,999.99 0.200% 0.20%
$10,000.00 - $24,999.99 0.250% 0.25%
$25,000.00 - $49,999.99 0.300% 0.30%
$50,000.00 - $99,999.99 0.300% 0.30%
$100,000.00 and above 0.350% 0.35%

$100 Minimum Deposit to Open

Interest Checking Interest Rate APY*
$.01 - $9,999.99 0.100% 0.10%
$10,000.00 - $99,999.99 0.100% 0.10%
$100,000.00 and above 0.350% 0.35%

$100 Minimum Deposit to Open

Savings Interest Rate APY*
Statement Savings 0.250% 0.25%

$100 Minimum Deposit to Open

Health Savings Account (HSA) Interest Rate APY*
$.01 - $9,999.99 0.200% 0.20%
$10,000.00 - $24,999.99 0.250% 0.25%
$25,000.00 - $49,999.99 0.300% 0.30%
$50,000.00 - $99,999.99 0.300% 0.30%
$100,000.00 and above 0.350% 0.35%

$1,000 Minimum Deposit to Open

Certificate of Deposit** Interest Rate APY*
Customized terms also available
7-29 DAY 0.250% 0.25%
30 DAY 0.250% 0.25%
60 DAY 0.300% 0.30%
90 DAY 0.300% 0.30%
6 MONTH 0.500% 0.50%
12 MONTH 0.800% 0.80%
18 MONTH 0.800% 0.80%
24 MONTH 1.000% 1.00%
36 MONTH 1.240% 1.25%
48 MONTH 1.730% 1.75%
60 MONTH 1.980% 2.00%

$1,000 Minimum Deposit to Open

IRA Certificate of Deposit** Interest Rate APY*
Customized terms also available
6 MONTH 0.500% 0.50%
12 MONTH 0.800% 0.80%
18 MONTH 0.800% 0.80%
24 MONTH 1.000% 1.00%
36 MONTH 1.240% 1.25%
48 MONTH 1.730% 1.75%
60 MONTH 1.980% 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.