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Last Updated: 11/04/2025

OptimumBank Money Market Account

from OptimumBank Holdings, Inc

Last Updated: 11/04/2025
OptimumBank Holdings, Inc logo
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APY (Annual Percentage Yield)

3.9%(Verified 11/04/2025)

Minimum Balance to Earn APY

$0

Minimum Opening Deposit

Starting at $1
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OptimumBank Money Market Account Review

OptimumBank Money Market Account is offered by OptimumBank Holdings, Inc, a bank founded in 2000 and based in Fort Lauderdale, FL. OptimumBank Money Market Account are available in 50 states and Washington, DC.

Key Takeaways

  • Very high annual percentage yield (APY). This account offers an annual percentage yield of up to 3.9%, which is much higher than the national average for a money market account.
  • No APY minimum balance. There is no minimum amount you have to deposit to start earning interest with this money market account.
  • No monthly maintenance fees. This account does not charge any monthly account fees.
  • Small minimum initial deposit. You only need $1 to open an account.

Pros & Cons of OptimumBank Money Market Account

OptimumBank Money Market Account FAQ

Are money market accounts from OptimumBank federally insured?

Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What are the interest rates for OptimumBank Money Market Account rates?

OptimumBank Money Market Account offers an APY of up to 3.9% (APY stands for annual percentage yield, rates may change).However, to earn interest you must keep a balance of $0. This is higher than the typical APY for online-only checking accounts, which is around 1% APY.

What are the fees for OptimumBank Money Market Account?

OptimumBank Money Market Account does not charge a monthly maintenance fee.

What is the minimum balance for OptimumBank Money Market Account?

Minimum deposit of $1. You must make an initial deposit of at least $1 to open this account.

What features and perks does OptimumBank Money Market Account offer?

This account includes the following features:
  • Mobile Banking Services - OptimumBank Money Market Account allows you to manage your money through online banking and a dedicated mobile app.

What is the customer service phone number?

The customer service number for this account is (954) 900-2800.

What is the support contact email?

The support contact email for this business credit card is online@optimumbank.com.

How to open an account with OptimumBank Holdings, Inc

  • Visit the OptimumBank Holdings, Inc website.
  • Fill in the application form. You will typically need to provide general financial information, such as your name, Social Security Number and address.
  • Check the information is accurate and submit your application.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

2929 E Commercial Blvd
Suite 101
Fort Lauderdale, FL 33308
(954) 900-2800
Visit Site
Email Support

Hours of Operation

SundayClosedMonday9:00AM - 4:00PMTuesday9:00AM - 4:00PMWednesday9:00AM - 4:00PMThursday9:00AM - 4:00PMFriday9:00AM - 4:00PMSaturdayClosed

Other Services by OptimumBank Holdings, Inc

CD Accounts

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