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Personal Savings

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We offer a variety of personal savings accounts that will help you on the path towards reaching your savings goals.
Ready to start saving? Open an account online today!
Must be of legal age to open an account.
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Savings Accounts

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*
  • May be used as a sweep account**
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* Interest rates and Annual Percentage Yield (APY) are subject to change after account opening. 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 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.
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Christmas Club Savings

  • Competitive interest rate*
  • No minimum balance requirement 
  • Automatic transfers available from checking or savings to this account**
  • In November, the balance is withdrawn and transferred to an existing Opportunity Bank account
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* Interest rates and Annual Percentage Yield (APY) are subject to change after account opening. 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 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.

Opportunity Personal Money Market Account

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

Opportunity Personal Preferred Money Market Account

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

Health Savings Account (HSA)

  • Requires $25 minimum opening deposit
  • Free, instantly-issued Visa® Debit Card for easy access to funds
  • No minimum balance requirement
  • Competitive interest rates*
  • No fee for automatic transfers from checking or savings
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* Interest rates and Annual Percentage Yield (APY) are subject to change after account opening. See Rate Sheet

Individual Retirement Account (IRA)

  • Roth or Traditional options available
  • Requires $50 minimum opening deposit
  • 1-5 year fixed-rate term, or 18-month variable-rate term
  • Competitive interest rates*
  • Automatic transfers available from checking or savings to this account
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* Interest rates and Annual Percentage Yield (APY) are subject to change after account opening. See Rate Sheet

Additional Savings Account Options

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Health Savings Account

An easy way to save 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
Interest rates and Annual Percentage Yield (APY) are subject to change after account opening. See Rate Sheet
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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
Interest rates and Annual Percentage Yield (APY) are subject to change after account opening. See Rate Sheet
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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
Interest rates and Annual Percentage Yield (APY) are subject to change after account opening. See Rate Sheet 

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