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Checking

Effective as of 4/12/2024

AccountInterest RateAnnual 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 4/12/2024

AccountInterest RateAnnual Percentage Yield (APY)Minimum Balance to Open & Earn APY
Optimum Savings.05%.05%$10.00
Optimum Student Savings1.00%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 4/12/2024

BalanceInterest RateAnnual Percentage Yield (APY)
$0-$9.990.00%0.00%
$10.00-$24,999.990.05%0.05%
$25,000.00-$99,999.990.10%0.10%
$100,000.00-$249,999.990.15%0.15%
$250,000.00 and above0.20%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 4/12/2024

BalanceInterest RateAnnual Percentage Yield (APY)
$0-$9.990.00%0.00%
$10.00 and above0.20%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.

Individual Retirement Accounts (IRA)

Effective as of 4/12/2024

TermInterest RateAnnual Percentage Yield (APY)Minimum to Open & Earn APY
6 months0.35%0.35%$1,000.00
7 months - SPECIAL4.89%5.00%$1,000.00
9 months4.17%4.25%$1,000.00
11 month - SPECIAL4.89%5.00%$1,000.00
12 months0.35%0.35%$1,000.00
18 months4.00%4.07%$1,000.00
24 months4.41%4.50%$1,000.00
36 months4.41%4.50%$1,000.00
48 months4.41%4.50%$1,000.00
60 months4.41%4.50%$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.