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Personal Account Rates
Competitive rates you can't help but say "yes" to.
Checking
Effective as of 3/31/2025
| 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 |
Savings
Effective as of 3/31/2025
| 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 3/31/2025
| 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 3/31/2025
| 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.
Individual Retirement Accounts (IRA)*
Effective as of 3/31/2025
| Term | Interest Rate | Annual Percentage Yield (APY) | Minimum to Open & Earn APY |
|---|---|---|---|
| 6 months | 0.35% | 0.35% | $1,000.00 |
| 9 months | 4.07% | 4.15% | $1,000.00 |
| 11 months - SPECIAL | 3.93% | 4.00% | $1,000.00 |
| 12 months | 0.35% | 0.35% | $1,000.00 |
| 18 months | 3.69% | 3.75% | $1,000.00 |
| 24 months | 3.45% | 3.50% | $1,000.00 |
| 36 months | 3.45% | 3.50% | $1,000.00 |
| 48 months | 3.45% | 3.50% | $1,000.00 |
| 60 months | 3.45% | 3.50% | $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.
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