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 Rates

Checking Account Rates

Rates Effective 12/5/18

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

Opportunity Interest Checking

$1,000.00

0.03

0.03

 

Opportunity Preferred Checking

$2,500.00

0.05

0.05

Opportunity Business

Interest Checking

$1,000.00

0.03  0.03 

 *Interest Rates and Annual Percentage Yields are effective as of date at top of page and may change after account opening. Fees could reduce the earnings on Checking, Savings, and IRA accounts. Contact a Relationship Banker for further information.

Savings Account Rates

Rates Effective 12/5/18

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

Opportunity Savings

$100.00

0.05

0.05

Health Savings Account (HSA)

$100.00

0.10

0.10

Christmas Club Savings

$0.00

0.05  0.05 

*Interest Rates and Annual Percentage Yields are effective as of date at top of page and may change after account opening. Fees could reduce the earnings on Checking, Savings, and IRA accounts. Contact a Relationship Banker for further information.

Money Market Savings1 (Statement Account)

Rates Effective 12/5/18

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

Opportunity Money Market

$1,000.00

   

$0 - $9,999.99

 

0.08 0.08

 $10,000.00 - $24,999.99

  0.10 0.10

 $25,000.00 - $49,999.99

  0.11 0.11

 $50,000.00 - $99,999.99

  0.12 0.12

 $100,000.00 - $299,999.99

  0.14 0.14

 $300,000.00 +

  0.15 0.15
Opportunity Preferred Money Market $20,000.00    

$0 - $24,999.99

  0.12  0.12 

 $25,000.00 - $49,999.99

   0.15 0.15 

$50,000.00 - $99,999.99 

   0.20  0.20

$100,000.00 - $299,999.99

  0.25  0.25 

 $300,000.00 - $499,999.99

   0.30 0.30 

 $500,000.00 +

  0.32 0.32 

1Interest rates and Annual Percentage Yield (APY) effective as of date at top of page and may change after account opening. Fees could reduce the earnings on Money Market accounts. Contact a Relationship Banker for further information. 

Individual Retirement Accounts*

Rates Effective 12/5/18

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

18 Month Variable Rate

$50.00

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

1 Year Fixed Rate

$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

 *Interest Rates and Annual Percentage Yields are effective as of date at top of page and may change after account opening. Fees could reduce the earnings on Checking, Savings, and IRA accounts. Contact a Relationship Banker for further information.

"Ready When You Are" Certificates of Deposit*

Rates Effective 12/5/18

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

$500.00

0.10 0.10 0.15 0.15
 6 Months up to 1 Year

$500.00

0.20 0.20 0.25 0.25
 1 Year up to 2 Years

$500.00

0.45 0.45 0.50 0.50
2 Years up to 3 Years

$500.00

0.70 0.70 0.75 0.75
3 Years up to 4 Years

$500.00

0.85 0.85 0.90 0.90
4 Years up to 5 Years $500.00 1.10 1.10 1.15 1.15
5 Years up to 6 Years $500.00 1.25 1.25 1.30 1.30

*Interest Rates and Annual Percentage Yields are effective as of date at top of page. Annual Percentage Yields based on $1,000 deposit average daily balance. Interest paid annually, or at maturity for terms less than one year. Early withdrawal penalty may apply. Contact a Relationship Banker for more information.

Certificate Specials*

Rates Effective 10/3/18

Type of AccountMinimum Deposit To Open

Interest Rate

Annual Percentage Yield (APY)
21-Month $500 2.65 2.65

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 12/11/18

Type of Loan30 YearAnnual Percentage Rate (APR)

15 Year

Annual Percentage Rate (APR)
Conventional 4.625

4.741

4.125 4.322
FHA 4.375 5.515 4.250 5.486

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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