Certificate of Deposit Rates
| Term | Minimum Opening Deposit | Interest Rate | APY* |
|---|---|---|---|
| 3 Month CD | $1,000 | 2.48% | 2.50% |
| 6 Month CD | $1,000 | 4.09% |
4.15% |
| 9 Month CD | $1,000 | 4.04% | 4.10% |
| 12 Month CD (also available as an add-on CD) | $1,000 | 3.94% | 4.00% |
| 13 Month CD | $1,000 | 3.79% |
3.85%
|
| 18 Month CD | $1,000 | 3.46% |
3.50%
|
| 19 Month CD | $1,000 | 3.31% |
3.35%
|
| 24 Month CD | $1,000 | 3.21% |
3.25%
|
*Annual Percentage Yield (APY) accurate as of 06/13/25 and is subject to change without notice. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Minimum to open CD and obtain APY is $1,000.00. To obtain current rates for public funds and CDARs, please call (970) 346-7900 (Greeley), (970) 848-2779 (Yuma), (970) 522-2444 (Sterling), (620) 376-2000 (Tribune, KS), or (719) 361-8700 (Springfield).
Forever Account (Personal and Business)1
| Balance | Minimum Opening Deposit | Interest Rate | APY* |
|---|---|---|---|
| $0.01 - $9,999.99 | $100 | 0.25% | 0.25% |
| $10,000 - $49,999.99 | $100 | 0.30% | 0.30% |
| $50,000 - $149,999.99 | $100 | 0.50% | 0.50% |
| $150,000 - $999,999.99 | $100 | 1.00% | 1.00% |
| $1,000,000 or greater | $100 | 1.49% | 1.50% |
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 | 0.50% | 0.50% |
Explorer Savings2 & UTMA Savings3
| Balance | Minimum Opening Deposit | Interest Rate | APY* |
|---|---|---|---|
| $0.01 or greater | $10 | 1.98% | 2.00% |
*Annual Percentage Yield (APY) accurate as of 06/13/25 and is subject to change without notice. Fees may reduce earnings.
1Forever Account: $500.00 minimum average balance to avoid monthly service charge of $15.00. Tiered rate is based on the daily end-of-day balance.
2Explorer Savings: Account available to children ages 8-17 and requires an adult parent, grandparent, or legal guardian as joint owner.
3Uniform Transfer to Minors Act (UTMA) Savings: Account is governed by the uniform transfer/gift to minor's act of the State of Colorado.
To obtain current rates for Public Funds and ICS, please call 970-346-7900 (Greeley), 970-848-2779 (Yuma), 970-522-2444 (Sterling), 620-376-2000 (Tribune), or 719-361-8700 (Springfield).