Deposit Rates & Yields
Interest Rates and APYs are accurate as of: Dec. 10, 2021
Certificates of Deposit
| Term | Minimum Opening Deposit | Interest Rate | APY |
|---|
| 90 Day |
$1,000 |
0.10% |
0.10% |
| 6 Month |
$1,000 |
0.15% |
0.15% |
| 9 Month |
$1,000 |
0.20% |
0.20% |
| 12 Month* |
$1,000 |
0.25% |
0.25% |
| 12 Month Exchange |
$1,000 |
0.15% |
0.15% |
| 13 Month |
$1,000 |
0.25% |
0.25% |
| 18 Month |
$1,000 |
0.35% |
0.35% |
| 19 Month |
$1,000 |
0.35% |
0.35% |
| 24 Month |
$1,000 |
0.45% |
0.45% |
| 24 Month Exchange |
$1,000 |
0.30% |
0.30% |
| 36 Month |
$1,000 |
0.60% |
0.60% |
| 48 Month |
$1,000 |
0.70% |
0.70% |
*Also available as an add-on CD.
ANNUAL PERCENTAGE YIELD (APY) ACCURATE AS OF 12/10/21. $1,000 MINIMUM DEPOSIT REQUIRED. THE APY ASSUMES INTEREST WILL REMAIN ON DEPOSIT UNTIL MATURITY AND IS CALCULATED BASED ON PERIODIC COMPOUNDING AND PAYING INTEREST TO THE ACCOUNT QUARTERLY. WITHDRAWALS OF INTEREST ARE PERMITTED DURING THE TERM; HOWEVER, ANY WITHDRAWALS OF PRINCIPAL MAY RESULT IN A PENALTY TOTALING 90 DAY SIMPLE INTEREST, WHETHER EARNED OR NOT. ACCOUNT WILL AUTOMATICALLY RENEW AT MATURITY. YOU WILL HAVE 10 CALENDAR DAYS AFTER THE MATURITY DATE TO WITHDRAW THE FUNDS IN THE ACCOUNT WITHOUT BEING CHARGED AN EARLY WITHDRAWAL PENALTY. RATES ARE APPLICABLE FOR PERSONAL AND BUSINESS ACCOUNTS. PLEASE CONTACT YOUR LOCAL BRANCH FOR PUBLIC FUNDS RATES.
IRAs
| Term | Minimum Opening Deposit | Interest Rate | APY |
|---|
| 12 Month |
$1,000 |
0.40% |
0.40% |
| 24 Month |
$1,000 |
0.60% |
0.60% |
| 30 Month |
$1,000 |
0.70% |
0.70% |
ANNUAL PERCENTAGE YIELD (APY) ACCURATE AS OF 12/10/21. $1,000 MINIMUM DEPOSIT REQUIRED. THE APY ASSUMES INTEREST WILL REMAIN ON DEPOSIT UNTIL MATURITY AND IS CALCULATED BASED ON PERIODIC COMPOUNDING AND PAYING INTEREST TO THE ACCOUNT QUARTERLY. WITHDRAWALS OF INTEREST ARE PERMITTED DURING THE TERM; HOWEVER, ANY WITHDRAWALS OF PRINCIPAL MAY RESULT IN A PENALTY TOTALING 90 DAY SIMPLE INTEREST, WHETHER EARNED OR NOT. ACCOUNT WILL AUTOMATICALLY RENEW AT MATURITY. YOU WILL HAVE 10 CALENDAR DAYS AFTER THE MATURITY DATE TO WITHDRAW THE FUNDS IN THE ACCOUNT WITHOUT BEING CHARGED AN EARLY WITHDRAWAL PENALTY.
Forever Account (Personal and Business)**
| Balance | Minimum Opening Deposit | Interest Rate | APY |
|---|
| $0.01 - $999.99 |
$100 |
0.05% |
0.05% |
| $1,000 - $9,999.99 |
$100 |
0.10% |
0.10% |
| $10,000 - $49,999.99 |
$100 |
0.15% |
0.15% |
| $50,000 - $149,999.99 |
$100 |
0.20% |
0.20% |
| $150,000 or greater |
$100 |
0.25% |
0.25% |
Checking Accounts with Interest**
| Account | Minimum Opening Deposit | Interest Rate | APY |
|---|
| Personal |
$100 |
0.05% |
0.05% |
| Business |
$100 |
0.05% |
0.05% |
Green Money Market & Savings**
| Balance | Minimum Opening Deposit | Interest Rate | APY |
|---|
|
$0.01 or greater
|
$100 |
0.05% |
0.05% |
Explorer Savings & UTMA Savings**
| Balance | Minimum Opening Deposit | Interest Rate | APY |
|---|
| $0.01 or greater |
$10 |
0.50% |
0.50% |
**The interest rate and annual percentage yield may change after the account is opened. Rates are accurate as of date of publication and may change without notice. Fees may reduce earnings. For the Forever Account, your balance earns the interest rate in effect each day for the balance tier associated with your ending (end-of-day) balance. Forever Account is a tiered, variable rate account and is not available to public funds. The Explorer Savings account is available to children ages 8-17 and requires an adult parent, grandparent or legal guardian as joint owner. **For the Uniform Transfer to Minors Act (UTMA) saving: account is governed by the Uniform Transfer/Gift to Minors Act of the State of Colorado. All funds deposited in the account irrevocably become the property of the minor but are to be managed for the minor's benefit by the custodian until the minor reaches the age of 21. Only one custodian age 21 or older allowed per account. The law imposes certain fiduciary and record keeping obligations on an UTMA account custodian and requires that interest earnings are reported to the IRS under the minor's Social Security number. To obtain the current rate for public funds, please call 970-346-7900 (Greeley), 970-848-2779 (Yuma), 970-522-2444 (Sterling), or 620-376-2000 (Tribune).
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