Optima Bank & Trust

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Personal Loan Products

Mortgage Loans Provide interest rate flexibility with an adjustable rate mortgage or the stability of a fixed rate mortgage; 15 or 30 year term; rates set and adjust according to market conditions
Construction Loans Benefit of a one-time closing; interest only during construction phase, typically nine months, then regular principal and interest payments begin
Home Equity Lines of Credit Revolving credit line secured by primary residence; help to pay for home repairs, college education or major purchases as long as there is adequate equity in the property; 25 year term.
Installment Loans Provide financing of new and used automobiles, boats, and RVs; personal loans available
Collateral Loans Use an Optima Bank savings or certificate of deposit account as collateral; continue to earn interest on deposit amount; interest on loan only small percentage higher than deposit account rate
Overdraft Protection Line of Credit For those who qualify, this unsecured line of credit saves the inconvenience of an overdrawn checking account