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Personal Savings

We offer a variety of personal interest-earning savings accounts that will put you on the path towards reaching your savings goals.

Ready to start saving?

Find a branch to open your Opportunity Savings account today.

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All Savings Accounts include access to Online Banking, eStatements, and Mobile Banking.

Opportunity Savings

Savings made simple.

  • Requires $100 minimum opening deposit
  • $2 per month service charge if balance falls below $100 (waived for customers age 18 or younger)
  • Competitive interest rate*
  • Ability to set up automatic transfers between checking and savings 1
  • May be used as a sweep account 1 to cover your checking account
  • ATM access

*Interest rates and Annual Percentage Yield (APY) are subject to change. See Rate Sheet.

1 Regulation D only allows for 6 sweeps/transfers per month from a savings or money market account. This applies to all savings and money market account in excess of 6 withdrawals or transfers to another account of yours, or to a third party by means of a preauthorized, or automatic transfer, or telephone order or instruction, computer transfer or by check, draft, debit card, or similar order to a third party. Excess transfers will be charged a fee. See Fee Schedule. 

Christmas Club Savings

An easy way to save for holiday expenses.

  • Competitive interest rate*
  • No minimum balance requirement
  • Automatic transfers available from checking or savings to this account 1
  • Each November the balance is withdrawn and either transferred to an existing Opportunity Bank account or mailed to you
  • Account remains open to begin saving for the next year

*Interest rates and Annual Percentage Yield (APY) are subject to change. See Rate Sheet.

1 Regulation D only allows for 6 sweeps/transfers per month from a savings or money market account. This applies to all savings and money market accounts in excess of 6 withdrawals or transfers to another account of yours, or to a third party by means of a preauthorized or automatic transfer, or telephone order or instruction, computer transfer or by check, draft, debit card, or similar order to a third party. Excess transfers will be charged a fee. See Fee Schedule. 

Opportunity Money Market Account

Keep your money liquid and growing.

  • Requires $1,000 minimum opening deposit
  • $8 per month service charge if balance falls below $1,000
  • Competitive, tiered interest rates*
  • Six free withdrawals per statement cycle
  • May be used as a sweep account 1 to cover your checking account

 *Interest rates and Annual Percentage Yield (APY) are subject to change. See Rate Sheet.

1 Regulation D only allows for 6 sweeps/transfers per month from a savings or money market account. This applies to all savings and money market accounts in excess of 6 withdrawals or transfers to another account of yours, or to a third party by means of a preauthorized or automatic transfer, or telephone order or instruction, computer transfer or by check, draft, debit card, or similar order to a third party. Excess transfers will be charged a fee. See Fee Schedule. 

Opportunity Preferred Money Market Account

Save more and earn more with preferred savings rates for account holders with higher account balances.

  • Requires $20,000 minimum opening deposit
  • $20 per month service charge if balance falls below $20,000
  • Competitive, tiered interest rates*
  • Six free withdrawals per statement cycle
  • May be used as a sweep account 1 to cover your checking account

*Interest rates and Annual Percentage Yield (APY) are subject to change. See Rate Sheet.

Regulation D only allows for 6 sweeps/transfers per month from a savings or money market account. This applies to all savings and money market accounts in excess of 6 withdrawals or transfers to another account of yours, or to a third party by means of a preauthorized or automatic transfer, or telephone order or instruction, computer transfer or by check, draft, debit card, or similar order to a third party. Excess transfers will be charged a fee. See Fee Schedule. 

Health Savings Account

An easy way to have for, and pay for, eligible healthcare expenses.

  • Requires $100 minimum opening deposit
  • Free Visa® Health Savings Account Debit Card for easy access to funds
  • No minimum balance requirement
  • Competitive interest rates*
  • Automatic transfer available from checking or saving to this account
  • Unlimited electronic transactions

*Interest rates and Annual Percentage Yield (APY) are subject to change. See Rate Sheet.

Individual Retirement Account (IRA)

Prepare for the retirement you've been dreaming of.

  • Roth or Traditional Available
  • Requires $50 minimum opening deposit
  • One year fixed-rate term or 18-month variable-rate term available
  • Competitive interest rates*
  • Automatic transfers available from checking or savings to this account

*Interest rates and Annual Percentage Yield (APY) are subject to change. See Rate Sheet. 

Certificate of Deposit (CD)

Save securely with a predicable rate of return and a term that you choose.

  • Requires $500 minimum opening deposit
  • Terms range from 3 months to 6 years
  • Competitive interest rates*
  • Premium interest rates offered for certificates of $20,000 or more
  • Automatic renewal at maturity 2

*Interest rates and Annual Percentage Yield (APY) are subject to change. See Rate Sheet.

2 A substantial penalty is assessed on funds withdrawn prior to maturity on certificate of deposit accounts.

 

 

 

 

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