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 Rates

Savings Account Rates

Rates Effective 2/7/18

Type of AccountMinimum Deposit To OpenInterest RateAnnual Percentage Yield (APY)

Statement Savings

$100.00

0.05

0.05

Health Savings Account (HSA)

$100.00

0.10

0.10

Interest, Golden Eagle and Golden Eagle Plus

$100.00

   

$0 - $4,999.99

   0.02 0.02 

$5,000.00 - $9,999.99

  0.02  0.02 

$10,000.00 - $19,999.99

   0.02 0.02 

$20,000.00 - $49,999.99

    0.03 0.03

$50,000.00 - $99,000.00

  0.03   0.03

$100,000.00 +

   0.04 0.04 

Money Market Savings1 (Statement Account)

Rates Effective 2/7/18

Type of AccountMinimum Deposit To OpenInterest RateAnnual Percentage Yield (APY)

Premier Money Market Account

$1,000.00

   

$0 - $999.99

 

0.08 0.08

 $1,000.00 - $9,999.99

  0.08 0.08

 $10,000.00 - $19,999.99

  0.08 0.08

 $20,000.00 - $39,999.99

  0.10 0.10

 $40,000.00 - $79,999.99

  0.12 0.12

 $80,000.00 +

  0.14 0.14
American Eagle Money Market Account $20,000.00    

$0 - $19,999.99

  0.12  0.12 

 $20,000.00 - $79,999.99

   0.15 0.15 

$80,000.00 - $199,999.99 

   0.19  0.19

$200,000.00 - $299,999.99

  0.21  0.21 

 $300,000.00 - $499,999.99

   0.28 0.28 

 $500,000.00 +

  0.32 0.32 

1Interest rates and Annual Percentage Yield (APY) may change after account opening.

Individual Retirement Accounts*

Rates Effective 2/7/18

Traditional IRA
Type of AccountMinimum Deposit To OpenInterest RateAnnual Percentage Yield (APY)

18 Month/Variable Rate
Effective 1/1/18

$50.00

0.60 0.60
ROTH/Traditional IRA
Type of AccountIf your account balance isInterest RateAnnual Percentage Yield (APY)

1 Year Fixed Rate

Effective 2/7/18

$50.00 - $19,999.99

0.40 0.40
 

$20,000.00 - $39,999.99

0.45 0.45
 

$40,000.00+

0.50 0.50

"Ready When You Are" Savings Certificates*

Rates Effective 2/7/18

Type of AccountMinimum Deposit To OpenInterest RateAnnual Percentage Yield (APY)Premium Rate $20,000.00 +Annual Percentage Yield (APY)

3 Months up to 6 Months

$1,000.00

0.10 0.10 0.15 0.15
 6 Months up to 1 Year

$1,000.00

0.15 0.15 0.20 0.20
 1 Year up to 2 Years

$1,000.00

0.40 0.40 0.45 0.45
2 Years up to 3 Years

$1,000.00

0.60 0.60 0.65 0.65
3 Years up to 4 Years

$1,000.00

0.85 0.85 0.90 0.90
4 Years up to 5 Years $1,000.00 1.10 1.10 1.15 1.16
5 Years up to 6 Years $1,000.00 1.25 1.26 1.30 1.31

Certificate Specials*

Rates Effective: 2/7/18

Type of AccountMinimum Deposit To Open

Interest Rate

Annual Percentage Yield (APY)
15 Months $1,000.00  1.65   1.6601

Contact a customer service representative for further information at 1-888-750-2265. Fees could reduce the earnings on the account. Simple Interest Calculation used on every account dollar, including the minimum balance requirement.

* A substantial penalty is assessed on funds withdrawn prior to maturity on time deposit accounts.

Mortgage Rates

Rates Effective 2/21/18

Type of Loan30 YearAnnual Percentage Rate (APR)

15 Year

Annual Percentage Rate (APR)
Conventional 4.500 4.604 4.000 4.176
FHA 3.625 4.764 3.750 4.957

Opportunity Bank has many loan programs and very competitive rates that change frequently. Please call any of our locations for an updated rate quote that will fit your particular loan needs.

Down payment information: Typically, for "conventional" 15 or 30 year loans require a 20% minimum down payment. However, with private mortgage insurance the percentage of down payment can be significantly reduced. The down payment for a 15 year or 30 year FHA loan is a minimum 3%.

Payment period: The 30 year conventional and FHA loans includes 360 monthly payments. The 15 year conventional and FHA loans includes 180 monthly payments.

 

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