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Tools & ResourcesPersonal Account Rates
Competitive rates you can't help but say "yes" to.
Checking
Effective as of 1/17/2025
| Account | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open and Earn APY |
|---|---|---|---|
| Optimum Plus | .01% | .01% | $10 |
APY = Annual Percentage Yield
Fees may reduce earnings. Variable rate may change after account is opened. Certain restrictions may apply.
Fees may reduce earnings. Variable rate may change after account is opened. Certain restrictions may apply.
Savings
Effective as of 1/17/2025
| Account | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open & Earn APY |
|---|---|---|---|
| Optimum Savings | .05% | .05% | $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.
As of 03/15/2022, Passbook Savings are no longer available for new accounts.
For a full explanation of our fees, please refer to our Fee Schedule.
Money Market
Effective as of 1/17/2025
| 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 1/17/2025
| Balance | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|
| $0-$9.99 | 0% | 0% |
| $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 1/17/2025
| Term | Interest Rate | Annual Percentage Yield (APY) | Minimum to Open & Earn APY |
|---|---|---|---|
| 6 months | 0.25% | 0.25% | $1,000.00 |
| 12 months | 0.35% | 0.35% | $1,000.00 |
| 18 months | 0.45% | 0.45% | $1,000.00 |
| 24 months | 0.55% | 0.55% | $1,000.00 |
| 36 months | 0.65% | 0.65% | $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 without notice. Select terms available for online account opening.
Individual Retirement Accounts (IRA)
Effective as of 1/17/2025
| Term | Interest Rate | Annual Percentage Yield (APY) | Minimum to Open & Earn APY |
|---|---|---|---|
| 6 months | 0.25% | 0.25% | $1,000.00 |
| 12 months | 0.35% | 0.35% | $1,000.00 |
| 18 months | 0.45% | 0.45% | $1,000.00 |
| 24 months | 0.55% | 0.55% | $1,000.00 |
| 36 months | 0.65% | 0.65% | $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.
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