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Rates

Deposit Rates & Yields

Interest Rates and APYs are accurate as of: September 22, 2025
 
 

Certificates of Deposit

 
Term Minimum Opening Deposit Interest Rate APY*
3 Month $1,000 2.48% 2.50%
6 Month $1,000 3.84% 3.90%
9 Month $1,000 3.65% 3.70%
12 Month (also available as an add-on CD) $1,000 3.55% 3.60%
13 Month $1,000 3.50% 3.55%
18 Month $1,000 3.26% 3.30%
19 Month $1,000 3.21% 3.25%
24 Month $1,000 3.21% 3.25%
 
*Annual percentage yield (APY) accurate as of 09/22/25 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), 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 09/22/25 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 minors 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).