Money Markets and CDs

Earn More

Banking on your financial future.

Put your money to work

Why leave your money in a standard savings account when you can get a much higher rate of interest with a money market or CD? And we offer flexible options so you can pick an account that fits your timeline: flexible access or fixed-term growth.

Whether you want the freedom to access your funds quickly or the certainty of a locked-in rate, we have an account built for you.

Choose the account that fits your timeline; flexible access or fixed-term growth.

Three ways to grow.

Whether you want the freedom to access your funds or the certainty of a locked-in rate, we have an account built for you.

Money Market Account - 3.35% APY*

9-Month Certificate of Deposit - 3.87% APY*

12-Month Certificate of Deposit - 4.13% APY*

*APY= Annual Percentage Yield. Annual Percentage Yields (APYs) are accurate as of June 1, 2026 and are offered to qualifying new relationship clients only. Offering rate effective June 1, 2026 through December 31, 2026 and is subject to change without notice. Minimum deposit of $5,000 required to open and maintain the advertised rate. Money Market Account: 3.30% rate / 3.35% APY. 9-Month Certificate of Deposit (CD): 3.80% rate / 3.87% APY. 12-Month Certificate of Deposit (CD): 4.05% rate / 4.13% APY. APYs assume interest remains on deposit for the full term. If the account balance falls below $5,000, the account will revert to the then-current standard rate at that time. A penalty will be imposed for early withdrawal from Certificate of Deposit accounts. Money Market Account rates are variable and may change after account opening. Certificate of Deposit rates are fixed for the term of the CD. Fees may reduce earnings. Offers may be withdrawn at any time without notice. Optus Bank, Member FDIC — Deposits insured up to applicable FDIC limits.

Ready to start earning?

Open your Money Market Account or Certificate of Deposit today. Rates are effective through December 31, 2026.

Qualifying new relationship clients only
$5,000 minimum deposit
Offer subject to change without notice
Fill out the form below to get started!

*Please do not submit any account numbers, Social Security numbers, or other sensitive information through the online form or email. Optus Bank will never ask for your password. Please allow 24-28 hours for a response.