Our offices will be closed on Monday, October 13, 2025, in observance of Indigenous Peoples Day. No courier services on that day. We are pleased to inform you that deposit services will remain accessible via our ATMs for your convenience.

Personal

Deposit Rates

Jump To Section

Merit Checking – Variable Rate

Minimum of $100 to open

Minimum Balance to Open/Earn APY*Interest RateAPY*
$0 – $999.990.35%0.35%
$1,000 – $9,999.990.40%0.40%
$10,000 – $49,999.990.45%0.45%
$50,000 – $99,999.990.55%0.55%
$100,000 plus0.65%0.65%

Business Interest Checking

Minimum of $5,000 to open

Minimum Balance to Open/Earn APY*Interest RateAPY*
$0 – $4,999.990.00%0.00%
$5,000 – $9,999.990.35%0.35%
$10,000 – $49,999.990.45%0.45%
$50,000 – $99,999.990.50%0.50%
$100,000 plus0.60%0.60%

Money Market – Variable Rate

Minimum of $2,000 to open

Minimum Balance to Open/Earn APY*Interest RateAPY*
$0 – $1,999.991.10%1.11%
$2,000 – $9,999.991.64%1.65%
$10,000 – $49,999.992.05%2.07%
$50,000 – $99,999.992.27%2.30%
$100,000 plus2.52%2.55%

Premier Money Market – Variable Rate

Minimum of $2,000 to open

Minimum Balance to Open/Earn APY*Interest RateAPY*
$0 – $99,999.991.04%1.05%
$100,000 – $199,999.992.62%2.65%
$200,000 – $499,999.992.81%2.85%
$500,000 plus3.05%3.10%

Time Certificates – Fixed Rate

Minimum of $1,000 to open

TermInterest RateAPY*
1 month2.08%2.10%
3 months3.05%3.10%
6 months3.87%3.95%
9 months3.92%4.00%
12 months3.63%3.70%
24 months2.96%3.00%
36 months2.66%2.70%
48 months2.23%2.25%
60 months2.23%2.25%

IRAs (Roth & Traditional) – Fixed Rate

Minimum of $100 to open

TermInterest RateAPY*
12 month3.63%3.70%
24 months2.96%3.00%
36 months2.66%2.70%
48 months2.23%2.25%
60 months2.23%2.25%

Health Savings Account – Variable Rate

No minimum to open

Minimum Balance to Open/Earn APY*Interest RateAPY*
$0 – $2,499.992.13%2.15%
$2,500 plus2.42%2.45%

Prime Savings – Variable Rate

Minimum of $100 to open

Minimum Balance to Open/Earn APY*Interest RateAPY*
$0 – $2,999.992.37%2.40%
$3,000 plus2.57%2.60%

Minor Savings – Variable Rate

Minimum of $25 to open

Minimum Balance to Open/Earn APY*Interest RateAPY*
$25.00 plus2.57%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

Let's build your future together.

Open an Account