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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, 20 or 30 year term; rates set and adjust according to market conditions. Lending options include portfolio, in-house loans and conventional loans. Jumbo loans a specialty.

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 when there is adequate equity in the property.

Installment Loans

Provide financing for 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; attractive loan rate.

Overdraft Protection Line of Credit

For those who qualify, this unsecured line of credit saves the inconvenience of an overdrawn checking account. For your convenience, payments are automatically deducted from the related deposit account.

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CUSTOMER INFORMATION LINE

603-433-9600


FULL-SERVICE BRANCHES

Portsmouth
Downtown

603-433-9611
Two Harbour Place
Portsmouth, NH
03801

Portsmouth
Pease Tradeport

603-433-9655
20 International Drive
Portsmouth, NH
03801

Bedford

603-488-6040
99 S River Rd
Bedford, NH
03110

North Hampton

603-433-9633
26 Lafayette Road
North Hampton, NH
03862

Stratham

603-773-5222
17 Portsmouth Avenue
Stratham, NH
03885

CORPORATE OFFICES

603-433-9600
Two Harbour Place
Portsmouth, NH
03801

LOAN OFFICES

Dover

603-516-1175
828 Central Avenue
Dover, NH
03820