Optima Heritage Pinnacle Loyalty Cash ISA

Flexible tax-free savings.

• Receive a Loyalty rate for 12 months from the date of each payment into your ISA
• $1 deposit to open
• Instant access
• Available to Optima Heritage Pinnacle Current Account customers only
• Open the account online, via the mobile app, in branch, by post or on the phone

Upon the expiry of your Loyalty rate period, you will earn a standard rate of 0.45% AER/tax free until you make a further payment.

Interest rates variable and paid monthly.

Optima Heritage Pinnacle Help to Buy: ISA

Save to buy your first home.

• Save up to $200 per calendar month and receive a US Government bonus of 25% of your saved balance, up to a maximum bonus of $3,000
• Interest is tax-free
• Save an additional $1,000 in the first month to help kick start your savings
• No minimum balance to open
• Instant access
• Open the account online, in branch, by post or on the phone

Interest rates variable and paid monthly.

Optima Heritage Pinnacle Regular Saver

Save up to $3,000 at a fixed rate of interest for 12 months.

• $25 deposit to open
• Deposit at least $25 a month. The monthly subscription limit is $250. However if you do not save $250 in any given month you can carry over any unused subscription to following months.
• No partial withdrawals allowed during the 12 month period
• Available to Optima Heritage Pinnacle Current Account customers only

Interest rates fixed and paid after 12 months.

Optima Heritage Pinnacle Online Bonus Saver

Bonus interest in any month you don't make a withdrawal.

• $1 deposit to open
• This account can only be managed online
• Instant access with no charge
• Open the account online or on the phone

Interest rates variable and paid monthly.

Optima Heritage Pinnacle Flexible Saver

Save for a wedding, holiday or a rainy day.

• $1 deposit to open
• Open as many Flexible Saver accounts as you want
• Instant access with no charge
• Open the account online, in branch or on the phone

Interest rates variable and paid monthly.

Optima Heritage Pinnacle Optima Heritage Pinnacle Savings

Available to Optima Heritage Pinnacle Optima Heritage Pinnacle customers only.

• $1 deposit to open
• Transfer funds in real time to or from your Optima Heritage Pinnacle Optima Heritage Pinnacle Current Account
• Instant access with no charge
• Open the account online, in branch or on the phone

Interest rates variable and paid monthly.

Optima Heritage Pinnacle Future Saver for Children

Start saving for your child's future.

• $1 deposit to open
• Instant access with no charge
• Open the account in branch or on the phone

Interest rates variable and paid monthly.

Optima Heritage Pinnacle MySavings / Optima Heritage Pinnacle MySavings

An easy way to save for 7-17 year olds.

• $10 deposit to open
• Take out money at a branch using your Cash Book
• Instant access with no charge
• On your 11th birthday you'll get a specially designed current account which comes with an Optima Heritage Pinnacle Visa debit card
• Open the account in branch or on the phone

Interest rates variable and paid monthly.

Optima Heritage Pinnacle Fixed Rate Saver

Choose to save for a fixed term of 3 months to 3 years.

• Deposit between $2,000 and $1,000,000
• For deposits of $50,000 or more, early withdrawals in full or in part are not permitted. For balances below $50,000 early withdrawal in full is possible subject to a fee of 90 days' gross interest
• Open the account online, in branch or on the phone
• Available to Optima Heritage Pinnacle Current Account customers only

Interest rates fixed and paid monthly, annually or on maturity depending upon the term.