Deposit Rates

 

Merit Checking - Variable Rate

Minimum of $100 to open

 Minimum Balance to Open/Earn APY* Interest Rate APY*
 $0 - $999.99 0.35% 0.35% 
 $1,000 - $9,999.99  0.40% 0.40% 
 $10,000 - $49,999.99  0.45% 0.45% 
 $50,000 - $99,999.99  0.55% 0.55% 
 $100,000 plus  0.65% 0.65% 

Business Interest Checking

Minimum of $5,000 to open

 Minimum Balance to Open/Earn APY* Interest Rate APY*
 $0 - $4,999.99 0.00% 0.00%
 $5,000 - $9,999.99  0.35% 0.35% 
 $10,000 - $49,999.99  0.45% 0.45% 
 $50,000 - $99,999.99  0.50% 0.50% 
 $100,000 plus  0.60% 0.60% 

Money Market - Variable Rate

Minimum of $2,000 to open

 Minimum Balance to Open/Earn APY* Interest Rate APY*
 $0 - $1,999.99 1.10% 1.11%
 $2,000 - $9,999.99  1.64% 1.65% 
 $10,000 - $49,999.99  2.05% 2.07% 
 $50,000 - $99,999.99  2.27% 2.30% 
 $100,000 plus  2.52% 2.55% 

Premier Money Market - Variable Rate

Minimum of $2,000 to open

 Minimum Balance to Open/Earn APY* Interest Rate APY*
 $0 - $99,999.99 1.04% 1.05%
 $100,000 - $199,999.99  2.62% 2.65% 
 $200,000 - $499,999.99  2.81% 2.85% 
$500,000 plus  3.05% 3.10% 

Time Certificates - Fixed Rate

Minimum of $1,000 to open

Term Interest Rate APY*
1 month 2.08% 2.10%
3 months  2.86% 2.90% 
6 months  3.78% 3.85% 
9 months  3.68% 3.75% 
12 months   3.44% 3.50% 
24 months   2.96% 3.00% 
36 months   2.66% 2.70% 
48 months  2.23% 2.25% 
60 months  1.98% 2.00% 

IRAs (Roth & Traditional) - Fixed Rate

Minimum of $100 to open

Term Interest Rate APY*
12 month 3.44% 3.50%
24 months 2.96% 3.00% 
36 months  2.66% 2.70% 
48 months  2.23% 2.25% 
60 months  1.98% 2.00% 

Health Savings Account - Variable Rate

No minimum to open

 Minimum Balance to Open/Earn APY* Interest Rate APY*
 $0 - $2,499.99 2.13% 2.15% 
 $2,500 plus  2.42% 2.45% 

Prime Savings - Variable Rate

Minimum of $100 to open

 Minimum Balance to Open/Earn APY* Interest Rate APY*
 $0 - $2,999.99 2.37% 2.40% 
 $3,000 plus  2.57% 2.60% 

Minor Savings - Variable Rate

Minimum of $25 to open

 Minimum Balance to Open/Earn APY* Interest Rate APY*
 $25.00 plus  2.57% 2.60% 

Disclaimers

*APY - Annual Percentage Yield

  1. All variable rates are subject to change after account opening
  2. A penalty may be assessed for early withdrawal on CD's
  3. Fees imposed on accounts could reduce earnings
  4. Please contact a Yampa Valley Bank employee for further information about applicable fees and terms

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