OptimumBank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews
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. Compare OptimumBank Rates with Other Competitive Bank and Credit Union Rates![]() Credit Human Federal Credit Union
60-Month CD
4.31%
$500
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24-Month CD
4.20%
$1,000
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12-Month CD
4.00%
$1,000
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6-Month CD
3.85%
$1,000
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Premium Money Market
3.80%
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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, 2025Show 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 InformationOptimumBank
2929 E Commercial BlvdFort 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 Website: https://www.optimumbank.com
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 FinancialsTotal 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 DealsableBanking, a division of Northeast Bank 2 Year CD rates are now at 0.70 percent with a yield of 0.70 percent. View current 2 Year CD rates at ableBanking, a division of Northeast Bank below.
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