Personal Bank Account Rates

Important Notice for Stoneham Branch

Our Stoneham Branch continues to be impacted by the ongoing culvert construction project on Montvale Ave. Access to the branch remains open during this construction period. To ensure you stay up to date on any changes or developments, we encourage you to check for the latest update here. We apologize for any inconvenience this construction project may cause and appreciate your understanding and patience. If you have any questions, please feel free to reach out to our Customer Contact Center at 888.402.2265.

Checking

Effective as of 9/25/2023

Account	Interest Rate	Annual Percentage Yield (APY)	Minimum Balance to Open and Earn APY
Optimum Plus Checking	.01%	.01%	$10
Optimum Student Checking	.01%	.01%	$10

APY = Annual Percentage Yield
Fees may reduce earnings. Variable rate may change after account is opened. Certain restrictions may apply.

Savings

Effective as of 9/25/2023

Account	Interest Rate	Annual Percentage Yield (APY)	Minimum Balance to Open & Earn APY
Optimum Savings	.05%	.05%	$10.00
Optimum Student Savings	1.00%	1.00%	$10.00
Holiday Club Account	.05%	.05%	$10.00
Vacation Club Account	.05%	.05%	$10.00

APY = Annual Percentage Yield

Fees may reduce earnings. Variable rate may change after account is opened. Certain restrictions may apply.

For a full explanation of our fees, please refer to our Fee Schedule.

Optimum Money Market

Effective as of 9/25/2023

Balance	Interest Rate	Annual Percentage Yield (APY)
$0-$9.99	0.00%	0.00%
$10.00-$24,999.99	0.05%	0.05%
$25,000.00-$99,999.99	0.10%	0.10%
$100,000.00-$249,999.99	0.15%	0.15%
$250,000.00 and above	0.20%	0.20%

APY = Annual Percentage Yield

Fees may reduce earnings. Minimum balance to open and earn APY is $10.00. Interest compounded and credited monthly. Variable rate may change after account is opened. Certain other restrictions may apply. Monthly maintenance fee of $5 is waived with a $2,500 average daily balance.

Plus One Money Market

Effective as of 9/25/2023

Balance	Interest Rate	Annual Percentage Yield (APY)
$0-$9.99	0.00%	0.00%
$10.00 and above	0.20%	0.20%

APY = Annual Percentage Yield

An Optimum Plus or Optimum One Checking Account is required to be eligible to open this account. Minimum balance to open and earn APY is $10.00.

Fees may reduce earnings. Interest compounded and credited monthly. Variable rate may change after account is opened. Certain other restrictions may apply.

Certificate of Deposit

Effective as of 9/25/2023

Term	Interest Rate	Annual Percentage Yield (APY)	Minimum to Open & Earn APY	Actions
6 months	0.35%	0.35%	$1,000.00	Open Account
9 months	4.17%	4.25%	$1,000.00	Open Account
12 months	0.35%	0.35%	$1,000.00	Open Account
15 months - SPECIAL	4.89%	5.00%	$1,000.00	Open Account
18 months	4.17%	4.25%	$1,000.00	Open Account
24 months	0.55%	0.55%	$1,000.00	Open Account
36 months	4.17%	4.25%	$1,000.00	Open Account
48 months	0.80%	0.80%	$1,000.00	Open Account
60 months	1.00%	1.00%	$1,000.00	Open Account

APY = Annual Percentage Yield

Penalties may be imposed on early withdrawals. Fees may reduce earnings. Rates are subject to change without notice.

Individual Retirement Accounts (IRA)

Effective as of 9/25/2023

Term	Interest Rate	Annual Percentage Yield (APY)	Minimum to Open & Earn APY
6 months	0.35%	0.35%	$1,000.00
9 months	4.17%	4.25%	$1,000.00
12 months	0.35%	0.35%	$1,000.00
15 months - SPECIAL	4.89%	5.00%	$1,000.00
18 months	4.17%	4.25%	$1,000.00
24 months	0.55%	0.55%	$1,000.00
36 months	4.17%	4.25%	$1,000.00
48 months	0.80%	0.80%	$1,000.00
60 months	1.00%	1.00%	$1,000.00

APY = Annual Percentage Yield

Penalties may be imposed on early withdrawals. Fees may reduce earnings. Rates are subject to change.

Individual Retirement Accounts (IRAs) are subject to limitations and/or penalties imposed by the Internal Revenue Service.