Personal Savings

All Savings Accounts include access to Online & Mobile Banking and eStatement delivery.

Opportunity Personal 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*
• Automatic transfers between checking and savings ¹
• May be used as a sweep account ¹ 

Christmas Club Savings

An easy way to save for the  holidays or recurring end-of year expenses.

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• In November, the balance is withdrawn and transferred to an existing Opportunity Bank account 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

Opportunity Personal 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*
• May be used as a sweep account ¹ 

Opportunity Personal Preferred Money Market Account

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

• Requires $20,000 minimum opening deposit
• $20 per month service charge if balance falls below $20,000
• Competitive, tiered interest rates*
• May be used as a sweep account ¹ 

Health Savings Account

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

• Requires $25 minimum opening deposit
• Free, instantly-issued Visa® Health Savings Account Debit Card for easy access to funds
• No minimum balance requirement
• Competitive interest rates*
• No fee for automatic transfers from checking or savings

Individual Retirement Account (IRA)

Prepare for the retirement you've been dreaming of.

• Roth or Traditional Available
• Requires $50 minimum opening deposit
• 1-5 year fixed-rate term or 18-month variable-rate term
• Competitive interest rates*
• Automatic transfers from checking or savings to this account

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 5 years
• Competitive interest rates*
• Automatic renewal at maturity ²

Variable Rate Certificate of Deposit (CD)

Flexible and secure savings, with an interest rate that fluctuates. This helps you earn a higher rate if interest rates rise after you open the account, potentially earning more on your savings, hassle free. 

• Requires $500 minimum opening deposit
• 1-year term
• Competitive, variable interest rate*
• Automatic renewal at maturity ²

*Interest rates and Annual Percentage Yield (APY) are subject to change after account opening. 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.

² A substantial penalty is assessed on funds withdrawn prior to maturity on certificate of deposit accounts.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