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.
Personal Loan Products
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.
Provide financing for new and used automobiles, boats, and RVs; personal loans available.
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.