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Optimum Savings Account

Earn more on your savings with 1.26%APY on all balances when the terms below are met. If terms are not met, balances will earn .02%APY 

Here's How it Works:

  1. Have a Checking Account and make at least one debit card transaction (POS or Signature) per month.
  2. Have at least $50 ACH Deposited into any sub account under your membership (excluding the 000 Share Savings) per month.

Open your Optimum Savings Account today to start saving money with the rate of a CD, but without the limitations.

  • This account does not have a limit on the number of electronic withdrawals, which means no Reg D fees. 
  • Interest will be paid monthly on balances within each tier and in a blended fashion.

View Rates Here 



Must have a share savings account to be a member and qualify for the Optimum Savings account. Share savings account opened with a $5 minimum deposit. No minimum deposit required to open a checking account. If checking account does not have a debit card and e-statements, it will be subject to a $5 monthly fee on balances less than $50. If terms are not met, the base interest rate on the Optimum Savings is .02%. There is no limit on the number of electronic withdrawals and the Optimum Savings is not subject to Reg D fees. APY = annual percentage yield. Federally insured by the NCUA. Some restrictions may apply.