Deposit Rates
*APY listed below is an estimate. Actual APY will be based on specific account terms and will be disclosed at account opening.
Scroll to the left to view the rest of the table.
Our consumer and business accounts are designed to provide exceptional convenience and value with the added security of FDIC insurance on your deposits.
| Account Type | Annual Percentage Rate (APR) | Annual Percentage Yield (APY) | Minimum to Open | Minimum to Earn Interest | Interest Compounded |
|---|---|---|---|---|---|
|
Consumer Checking with Interest aka NOW
$.01 - $249,999.99
$250,000 & Above
|
0.100%
0.150%
|
0.100%
0.150%
|
$.01
$.01
|
$.01
$250,000
|
Monthly
Monthly
|
|
Business Checking with Interest aka NOW
$.01 - $249,999.99
$250,000 & Above
|
0.100%
0.150%
|
0.100%
0.150%
|
$.01
$.01
|
$1,000
$250,000
|
Monthly
Monthly
|
|
Consumer or Business Tiered Money Market $.01 - $24,999.99
$25,000.00 - $99,999.99
$100,000 - $249,999.99
$250,000.00 & Above
|
0.300%
0.650%
0.900%
2.000%
|
0.300%
0.650%
0.900%
2.000%
|
$.01
$1,000
$1,000
$1,000
|
$.01
$25,000.00
$100,000.00
$250,000.00
|
Monthly
Monthly
Monthly
Monthly
|
|
Consumer/Business Statement Savings
$.01 - $249,999.99
$250,000.00 & Above
|
0.400%
0.600%
|
0.400%
0.600%
|
$.01
$.01
|
$.01
$250,000.00
|
Quarterly
Quarterly
|
| Public Funds Checking with Interest | 0.150% | 0.150% |
Monthly
|
||
| Public Funds Statement Savings |
0.600% |
0.600%
|
Quarterly |
||
|
Public Funds Money Market
|
1.900%
|
1.900%
|
Monthly
|
(1) Your interest rate and annual percentage yield may change, at our discretion, at any time. Please call 303-452-5500 for current rates.
(2) Interest on Savings accounts is compounded and credited to your account quarterly on the quarterly statement cycle date. If you close your Savings, Checking or IRA account before interest is credited, you will forfeit the accrued interest.
(3) The annual percentage yield paid on your balance on tiered accounts is determined by the range of your daily account balance.
(4) Interest rates are subject to change. Fees could reduce earnings on your account.
Rates effective as of 12/10/2024.
|
Minimum to
Open
|
Annual Percentage
Rate (APR)
|
Annual Percentage
Yield (APY)
|
|
|---|---|---|---|
| 3 Month CD | $1,000 | 4.00% | 4.06% |
| 6 Month CD | $1,000 | 4.25% | 4.30% |
| 1 Year CD | $1,000 | 3.75% | 3.75% |
| 2 Year CD | $1,000 | 3.50% | 3.50% |
| 3 Year CD | $1,000 | 3.25% | 3.25% |
| 4 Year CD | $1,000 | 3.00% | 3.00% |
| 5 Year CD | $1,000 | 2.50% | 2.50% |
|
|
|
|
|
(1) Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. Interest paid for the APY occurs at the end of the term or annually,
whichever occurs first.
(2) Interest penalty for early withdrawal from certificates of deposit. Fees could reduce earnings on the account.
(3) Interest rates are subject to change.
Rates effective as of 12/10/2024.
|
Minimum
to Open
|
Annual Percentage
Rate (APR)
|
Annual Percentage
Yield (APY)
|
Interest
Compounded
|
|
|---|---|---|---|---|
| 18 Month Fixed Rate CD | $100 | 3.50% | 3.50% | Quarterly |
| 18 Month Fixed Rate CD | $100,000 | 3.75% | 3.75% | Quarterly |
(1) Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. Interest paid for the APY occurs at the end of the term or annually,
whichever occurs first.
(2) Interest penalty for early withdrawal from certificates of deposit. Fees could reduce earnings on the account.
(3) Interest rates are subject to change.
(4) Please consult your tax adviser for contribution limitations and tax liability for all retirement accounts.
Rates effective as of 12/10/2024.