OptimumBank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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OptimumBankToday's 12-month CD rates can be found at 1.56%, 6-month CD rates at 2.00% and 3-month CD rates at 1.20%. Current savings rates are at 1.01% and money market rates are at 1.50%. Mortgage rates today on 30-year fixed loans are around 6.73%. Credit Card rates are at 11.75%. Personal Loan rates are at 10.25%. All these rates, and more, can be found in our database of rates.

To see how these rates compare to OptimumBank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from OptimumBank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with OptimumBank CD rates. You can also compare OptimumBank savings rates, MMA rates and mortgage rates using our other rate lists.

OptimumBank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at OptimumBank? Share your experience about OptimumBank by leaving a review below, or read customer reviews before you decide to use OptimumBank.

OptimumBank Texas Ratio

OptimumBank's Texas Ratio is at 1.61%, which is considered excellent. The Texas Ratio for OptimumBank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, OptimumBank is an excellent bank worth considering, with an overall rating of 4 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
OptimumBank
2929 E Commercial Blvd
Fort Lauderdale, FL 33308
Member FDIC
MonitorBankRates' Rating
4/5
★★★★☆

Compare OptimumBank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Credit Human Federal Credit Union
Credit Human Federal Credit Union
60-Month CD
4.31%
$500
Fidelity
Fidelity
24-Month CD
4.20%
$1,000
First State Bank Tahlequah, OK
First State Bank Tahlequah, OK
12-Month CD
4.00%
$1,000
Freedom Bank of Southern Missouri
Freedom Bank of Southern Missouri
6-Month CD
3.85%
$1,000
CNB Bank Direct
CNB Bank Direct
Premium Money Market
3.80%
$25,000
Global Bank
Global Bank
12-Month CD
3.75%
$1,000
The Peoples S&L Co.
The Peoples S&L Co.
18-Month CD
3.55%
$1,000
Woodlands National Bank
Woodlands National Bank
12-Month CD
3.51%
$1,000
AAC Credit Union
AAC Credit Union
60-Month CD
3.50%
$500
First State Bank of Beecher City
First State Bank of Beecher City
60-Month CD
3.30%
$500
Henderson FSB
Henderson FSB
18-Month CD
3.20%
$500
Central Bank Provo, UT
Central Bank Provo, UT
48-Month CD
3.13%
$500
New Peoples Bank
New Peoples Bank
24-Month CD
3.10%
$0
Iowa Falls State Bank
Iowa Falls State Bank
12-Month CD
3.03%
$1,000
State Bank of Chilton
State Bank of Chilton
36-Month CD
3.02%
$1,000
Union State Bank Olsburg, KS
Union State Bank Olsburg, KS
12-Month CD
3.00%
$1,000
Conway National Bank (CNB)
Conway National Bank (CNB)
18-Month CD
3.00%
$500
Haddon Savings Bank
Haddon Savings Bank
24-Month CD
2.70%
$500
American State Bank of Grygla
American State Bank of Grygla
24-Month CD
2.62%
$500
Clarion County Community Bank
Clarion County Community Bank
24-Month CD
2.60%
$500
Metropolitan Capital B&T
Metropolitan Capital B&T
24-Month CD
2.50%
$5,000
TSB Bank
TSB Bank
36-Month CD
2.50%
$500
First Community Bank Batesville, AR
First Community Bank Batesville, AR
60-Month CD
2.27%
$500
Timberland Bank
Timberland Bank
18-Month CD
2.12%
$500
Wolf River Community Bank
Wolf River Community Bank
18-Month CD
1.65%
$1,000
Wolf River Community Bank
Wolf River Community Bank
60-Month CD
1.50%
$1,000
Alliance Bank IN
Alliance Bank IN
30-Month CD
1.50%
$1,000
One Community Bank
One Community Bank
24-Month CD
1.45%
$500
Citizens Bank of Clovis
Citizens Bank of Clovis
Savings
1.01%
$150
Cayuga Lake National Bank
Cayuga Lake National Bank
12-Month CD
0.95%
$500
Home SB of Wapakoneta
Home SB of Wapakoneta
18-Month CD
0.95%
$500
Abri Credit Union
Abri Credit Union
Premier Money Market
0.95%
$2,000
Bank
Bank
6-Month CD
0.80%
$10,000
Citizens Bank Mooresville, IN
Citizens Bank Mooresville, IN
12-Month CD
0.75%
$500
Security Bank Minnesota
Security Bank Minnesota
Platinum Money Market
0.75%
$0
Lisle Savings Bank
Lisle Savings Bank
24-Month CD
0.65%
$2,000
Security Bank of Southwest Missouri
Security Bank of Southwest Missouri
Money Market Checking
0.65%
$25,000
Lincoln Bank of Hodgenville
Lincoln Bank of Hodgenville
18-Month CD
0.50%
$500
Classic Bank
Classic Bank
Savings
0.40%
$500
Ulster Savings Bank
Ulster Savings Bank
36-Month CD
0.40%
$500
Cincinnatus S&L Co.
Cincinnatus S&L Co.
24-Month CD
0.35%
$500
Commerce Bank Corinth, MS
Commerce Bank Corinth, MS
24-Month CD
0.30%
$500
SSB Community Bank
SSB Community Bank
36-Month CD
0.30%
$1,000
Spring Bank Brookfield, WI
Spring Bank Brookfield, WI
Savings
0.25%
$100
Century Bank of Florida
Century Bank of Florida
Checking
0.20%
$0
Pataskala Banking Company
Pataskala Banking Company
18-Month CD
0.20%
$500
Central Federal SLA
Central Federal SLA
36-Month CD
0.15%
$2,500
Magnolia Bank Elizabethtown, KY
Magnolia Bank Elizabethtown, KY
Money Market
0.15%
$2,500
First Nations Bank
First Nations Bank
24-Month CD
0.05%
$1,000
Regions Bank
Regions Bank
24-Month CD
0.01%
$500
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates February 19, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5.125%
5.230%
0.000
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
5.300%
5.518%
0.000
5.375%
5.525%
0.750
5.500%
5.614%
0.000
5.500%
5.654%
0.000
30-Year Fixed
5.560%
5.730%
0.000
5.750%
5.756%
0.000
15-Year Fixed
5.500%
5.785%
0.000
5.750%
5.793%
0.000
5.625%
5.797%
0.000
5.750%
5.801%
0.000
5.750%
5.801%
0.000
15-Year Fixed
5.750%
5.806%
0.000
10-Year Fixed (Power Rate)
5.500%
5.814%
0.000
5.500%
5.820%
0.000
5.750%
5.832%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Our apologies, we do not have OptimumBank rate data right now, check back for updates, we are adding rates all the time.

OptimumBank Information

OptimumBank
2929 E Commercial Blvd
Fort Lauderdale, FL 33308
Broward
Established Date: 11/01/2000
FDIC Certificate #: 35430
Date of FDIC Deposit Insurance: 11/01/2000
Bank Holding Company: OPTIMUMBANK HOLDINGS INC
How Many Domestic U.S. Offices? 3
How Many Branches are There? 4
Is OptimumBank FDIC Insured? Yes
What is OptimumBank's Cert number? 35430
What is the maximum amount for insured deposits? $250,000 per holder, per account

OptimumBank Financials

Total Assets:
$940,399,000
Total Deposits:
$800,553,000
Equity Capital:
$82,484,000
Domestic Deposits:
$800,553,000
Net Income:
$2,787,000
Return on Assets:
0.9449%
Quarterly Return on Assets:
1.2900%
Pretax Return on Assets:
1.7294%
Pretax Quarterly Return on Assets:
1.7300%
Return on Equity:
9.6200%
Quarterly Return on Equity:
14.6700%
Leverage Tier 1 (Core Capital) Ratio:
10.9802%
Total Interest Income (YTD):
5.3663%
 
 
Headquarters:
Fort Lauderdale
FDIC Field Office:
South Florida
Regulator:
FDIC
County:
Broward
# of Offices:
3
Metropolitan Statistical Area (MSA):
Miami-Fort Lauderdale-Pompano Beach, FL
Consolidated Metropolitan Statistical Area (CMSA):
Miami-Fort Lauderdale, FL
OTS Region:
Southeast
FDIC Region:
Atlanta
Source: FDIC Last Updated 03/31/2024

Explore Other Rate Deals

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Home mortgage rates were mixed this week over last week. 30 year conforming mortgage rates made another record low this week and 15 year conforming mortgage rates remained at a record low made last week. 30 year jumbo mortgage rates and 15 year jumbo mortgage rates were higher this week over last week.

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