Optirate has partnered with Community Banks and Credit Unions that are safe & sound and insured by FDIC and NCUA (NCUA is similar to FDIC but is entirely dedicated to insuring Credit Unions). These financial institutions work hard to support local communities through honest lending, philanthropic activities, and generally by being good neighbors.

Financial Institutions in our network are expanding on a daily basis to provide you - the consumer - with the best options including best rates.

Financial Institutions in our network are geographically dispersed throughout the country and we are adding quality banks every week.

Optirate supports community banking through ICBA Corporate Associate membership.