Optimum Savings Account

Optimum Savings Features

$10 minimum balance to open and earn Annual Percentage Yield (APY)¹
Receive a monthly statement
Interest paid at the end of each month
Link to your personal checking account to prevent overdrafts (additional fees will apply)
Can be linked to your Visa® Debit Card (requires a checking account) with Free ATM Access to all nationwide SUM network ATMs
Access your money at any time²

¹ $10 minimum balance is required to open account and earn interest. Fees may reduce earnings. Variable rate may change after account is opened. Certain restrictions may apply.

² Transaction Limitations: You will be permitted to make no more than 6 combined pre-authorized, automatic, check or telephone transfers per statement cycle from your Savings account to another account or third party. If you exceed these restrictions, we may assess an excess fee.

Effective as of 10/25/2025