Optima Bank & Trust Company is a state chartered community bank in New Hampshire that offers a variety of financial services including competitive CD rates in New Hampshire.  Optima Bank & Trust is a commercial bank that is locally owned and managed.  The bank opened for business in January 2008 and is based in the Portsmouth, NH Seacoast area.

Optima Bank & Trust offers both personal and commercial banking services.  Optima Bank & Trust offers a wide range of deposit accounts and lending products for consumers along the Seacoast.  The bank does not suffer from poor performing legacy loans found at many large banks and therefore provides a safe and sound place for customers’ deposits and the bank is actively lending money to area businesses and homeowners.

Savings and deposits products promoted by Optima Bank & Trust include: personal money market accounts, checking and savings accounts interest bearing checking accounts, certificates of deposit, Individual Retirement Accounts as well as fiduciary escrow accounts.

Optima Bank & Trust also offers a complete range of online banking services.  Online banking offers secure access to account information, online bill payment, email statements and interactive data transfers to Quicken®, QuickBooks® and Microsoft® Money products.  Additional convenient account access features include telephone banking and ATM access also provides easy access to account funds and information.

Optima Bank & Trust CDs and CD rates in New Hampshire can be obtained with a minimum deposit to open of $1,000.00.  The bank CD interest earned is compounded daily and credited monthly.  Interest payment methods for the NH bank CDs includes adding the interest to the CD account balance, depositing the accrued interest to a checking or savings account by ACH transfer or check.

Current NH CD rates and terms offered by Optima Bank & Trust include:

7-89 day bank CD with an interest rate of 0.50%
90 day CD rate of 0.75%
6 month NH CD rate of 1.00%
1 year CD rate in NH of 1.25%
18 month CD interest rate 1.50%
2 year bank CD rate 2.00%
3 year NH CD interest rate 2.10%
4 year CD rate is 2.50%

CD rates in New Hampshire offered by Optima Bank & Trust are subject to changes and bank approval.  Additional conditions may apply to open these bank accounts.  There may be a penalty for early withdrawal.  Optima Bank & Trust has custom CD terms available.

For current CD rates and account information a bank representative can nbe contacted directly at 603-433-9600.

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