Personal Banking Navigation

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. Apply now.

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.

Back to Top