Opus Bank


Overview / Commentary
949-359-4291
19900 MacArthur Blvd., Suite 190
Irvine, CA 92612

Opus Bank is a California-based bank that offers personal and business banking, treasury management, income property banking, and home loans. In keeping with its community-driven focus, the bank publicly announces capital funding amounts it intends to allocate to businesses in the region.

Opus Bank’s personal banking products give consumers a way to save and are offered in the form of checking, savings, money market, and CD accounts. Personal credit cards are also available to help facilitate credit building and cash back rewards. Checking account options come with a monthly service charge, which can be avoided by fulfilling certain account requirements. Opus Bank savings and money market accounts function in much the same way, offering increased levels of interest based on how much is in a given account. Certificates of deposit (CDs) are fixed rate accounts and available in term lengths from 1 to 60 months. The bank also features retirement, health, and education savings accounts that provide more customized set of features for qualifying customers.

Opus Bank online banking provides a web-based platform for customers to view their account activity, make transfers between Opus Bank accounts, pay bills, and set various alerts. Mobile banking apps are also available and make it easy and convenient for customers to manage their accounts via smartphones while on the run. Opus Bank is part of a network of tens of thousands of ATMs that provide account holders with fee free access to their funds.

Opus Bank was initially organized as the Peninsula National Bank in 1993. It changed its institution name with the FDIC to an insured commercial bank in 2010, before moving its headquarters to Irvine, California, just outside of Los Angeles, in 2011. The bank serves its customers through multiple branches located in and around the Los Angeles area.

Which Bank Do You Work For, CAG?

Posted by: OBR | Nov 22, 2011

CAG, your sad and transparent attempt to disparage an obvious threat to your institution is an embarrassment.  Please try to elevate the level of the conversation.

No More Opus Bank For Me

Posted by: nira | Feb 18, 2012

I am a Fullerton Community bank customer that was very happy with my totally free checking account.  I loved the level of service and that it was a small community bank.  It was bought by Opus.  My totally free checking account now costs 9 dollars a month not to mention all the other fees.  They now deduct the maximum amount they can from my acct when getting gas and they don't clear the hold for 72 hours even though the real charge has been recorded.  I called my local branch's  phone number only to be routed to a customer service line located in Washington state.  While the CSA was professional she claimed the hold was the fault of the gas station.  Hmmmm I don't think so since I have been getting gas there for 5 years and this is the first time there has ever been a hold on 126.00.  I can not afford a $126 72 hour hold every time I pump gas.  I guess it is time to find a new bank.

Keep You Money Under Your Mattress

Posted by: jniemi51 | Jan 26, 2019

They can't get anything right. They should pay you a service fee for all your headaches.

Another Unsatisfied FCB/Opus Customer

Posted by: nellkev | May 7, 2012

I haven't switched banks yet but I'm looking. Most of my friends that I convinced to move over to FCB have left Opus. This is no longer a family business friendly bank.  The new on line banking site is terrible.  I've started getting hit with the fees.  You may as well talk with the ATM if you have a question.  The tellers are now robots.  You get I'll inform management of your request (AKA you will get no answer).  I'm sad to see FCB go.  They were a great bank.

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Health

Health Grade Components

Overall
FDIC Certificate #33806
Year Established1993
Employees794
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD3%
Annual Interest Income$248.7MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$7.18B$7.49B
LoansQ4 2018vs Q4 2017$5.11B$5.10B
DepositsQ4 2018vs Q4 2017$5.96B$5.95B
Equity CapitalQ4 2018vs Q4 2017$1.04B$1.02B
Loan Loss AllowanceQ4 2018vs Q4 2017$54.7MM$75.9MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$28.5MM$56.6MM
Real Estate OwnedQ4 2018vs Q4 2017$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Opus Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Opus Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Personal Savings
0.10%--Business Savings
0.10%--IRA Savings

Opus Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%*$250k*-Crescendo Personal Money Market
OTHER TIERS: 0.15% Up to $25k | 0.40% $25k - $50k | 0.65% $50k - $100k | 0.80% $100k - $250k
0.65%*$1000k*-Crescendo Business Money Market
OTHER TIERS: 0.25% Up to $100k | 0.45% $100k - $250k | 0.55% $250k - $1000k

Opus Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$100k*-Platinum Plus Checking
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $25k | 0.25% $25k - $50k | 0.40% $50k - $100k
0.50%*$250k*-Platinum Business Checking
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $50k | 0.25% $50k - $100k | 0.40% $100k - $250k
0.15%*$100k*-Business Interest Checking
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $100k
0.15%*$100k*-Personal Interest Checking
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $100k

Opus Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.60%*$10k*-24 Month CD
OTHER TIERS: 2.10% $1k - $10k
2.55%*$10k*-10 Month CD Promotional
OTHER TIERS: 1.00% $1k - $10k
2.50%*$10k*-18 Month CD
OTHER TIERS: 2.00% $1k - $10k
2.40%*$10k*-7 Month CD Promotional
OTHER TIERS: 1.00% $1k - $10k
2.30%*$10k*-12 Month CD
OTHER TIERS: 1.70% $1k - $10k
1.80%$1k-60 Month CD
1.65%$1k-48 Month CD
1.60%$1k-36 Month CD
1.00%$1k-6 Month CD
0.20%$1k-3 Month CD
0.10%$1k-1 Month CD

Opus Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.60%*$10k*-24 Month IRA
OTHER TIERS: 2.10% $500 - $10k
2.50%*$10k*-18 Month IRA
OTHER TIERS: 2.00% $1k - $10k
2.30%*$10k*-12 Month IRA
OTHER TIERS: 1.70% $500 - $10k
1.80%$500-60 Month IRA
1.65%$500-48 Month IRA
1.60%$500-36 Month IRA
1.00%$500-6 Month IRA
0.20%$500-3 Month IRA
0.10%$500-1 Month IRA
Locations

Availability



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