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OPTUS Bank Rates & Review August 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

OPTUS Bank's 12-Month Certificate of Deposit rates are at 4.13%, 9-Month Certificate of Deposit rates are at 3.87%. OPTUS Bank's money market rates are at 3.35%. MonitorBankRates evaluates the financial stability of OPTUS Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.81%. Rates last updated and verified on 08/28/2026.

OPTUS Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at OPTUS Bank? Share your experience about OPTUS Bank by leaving a review below, or read customer reviews before you decide to use OPTUS Bank.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
5.81%
Excellent Lower than avg
OPTUS Bank
1501 Gervais St
Columbia, SC 29201
https://www.optus.bank
Member FDIC

OPTUS Bank CD Rates

Product Rate APY Term View More
12-Month Certificate of Deposit 4.05% 4.13% 12-Month
Min Deposit $5,000
Details Qualifying new relationship clients only. Rates are effective through December 31, 2026. Certificate of Deposit rates are fixed for the term of the CD. A penalty will be imposed for early withdrawal from Certificate of Deposit accounts. Fees may reduce earnings. Offers may be withdrawn at any time without notice.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.81%
9-Month Certificate of Deposit 3.80% 3.87% 9-Month
Min Deposit $5,000
Details Qualifying new relationship clients only. Rates are effective through December 31, 2026. Certificate of Deposit rates are fixed for the term of the CD. A penalty will be imposed for early withdrawal from Certificate of Deposit accounts. Fees may reduce earnings. Offers may be withdrawn at any time without notice.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.81%

OPTUS Bank Money Market Rates

Product Rate APY View More
Money Market Account 3.30% 3.35%
Min Deposit $5,000
Details Qualifying new relationship clients only. Rates are effective through December 31, 2026. Money Market Account rates are variable and may change after account opening. Fees may reduce earnings. Offers may be withdrawn at any time without notice.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.81%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for OPTUS Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather OPTUS Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with OPTUS Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name OPTUS Bank
Bank Holding Company OPTUS FINANCIAL CORP
Address 1501 Gervais St, Columbia, SC 29201  ·  Richland
Website https://www.optus.bank
FDIC Certificate # 35241
Established 03/26/1999
FDIC Insurance Date 03/26/1999
Domestic Offices 2
Total Branches 2
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 97/100
5.0
Exceptional Out of 5.0 Stars
5.81%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.5219%
Return on Equity (ROE) 10.0800%
Non-Performing Loans (NPL) 0.50%
Total Assets $777,905,000
Total Deposits $675,365,000
Equity Capital $96,062,000
Net Income $7,952,000
Headquarters Columbia
Total Branches and Offices 2
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

There are no reviews for OPTUS Bank yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About OPTUS Bank

How many branches does OPTUS Bank operate?

OPTUS Bank currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, OPTUS Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, OPTUS Bank provides members with tools to manage their accounts and build a solid financial history.

Does OPTUS Bank offer online and mobile banking?

Most modern institutions like OPTUS Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.optus.bank.

Current OPTUS Bank Rates

  • 12-Month CD4.13%
  • MMA3.35%
Retrieved from our database of financial products. Rates subject to change.

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