Our offices will be closed on Thursday, December 25th to celebrate Christmas. Additionally, our banking hours for the holiday are as below:

 

Wednesday, December 24th: Lobby (9 am – 1 pm) & Drive Thru (7:30 am – 1 pm)

Friday, December 26th: Lobby and Drive thru hours are 9 am – 1 pm

 

Deposit services will remain accessible via our ATMs for your convenience.

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Personal

Deposit Rates

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Personal CheckingBusiness CheckingMoney Market AccountsTime CertificatesIRAsSavings (HSA, Prime & Minor)

Merit Checking – Variable Rate

Minimum of $100 to open

Minimum Balance to Open/Earn APY*Interest RateAPY*
$0 – $999.990.15%0.15%
$1,000 – $9,999.990.25%0.25%
$10,000 – $49,999.990.30%0.30%
$50,000 – $99,999.990.35%0.35%
$100,000 plus0.40%0.40%

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 – $9,999.990.10%0.10%
$10,000 – $49,999.990.25%0.25%
$50,000 – $99,999.990.35%0.35%
$100,000 plus0.45%0.45%

Money Market – Variable Rate

Minimum of $2,000 to open

Minimum Balance to Open/Earn APY*Interest RateAPY*
$0 – $1,999.990.90%0.90%
$2,000 – $9,999.991.39%1.40%
$10,000 – $49,999.991.83%1.85%
$50,000 – $99,999.992.27%2.30%
$100,000 plus2.37%2.40%

Premier Money Market – Variable Rate

Minimum of $2,000 to open

Minimum Balance to Open/Earn APY*Interest RateAPY*
$0 – $99,999.990.90%0.90%
$100,000 – $199,999.992.37%2.40%
$200,000 – $499,999.992.57%2.60%
$500,000 plus2.85%2.89%

Time Certificates – Fixed Rate

Minimum of $1,000 to open

TermInterest RateAPY*
1 month2.08%2.10%
3 months2.76%2.80%
6 months3.40%3.46%
9 months3.35%3.41%
12 months3.30%3.35%
24 months2.96%3.00%
36 months2.76%2.80%
48 months2.57%2.60%
60 months2.23%2.25%

IRAs (Roth & Traditional) – Fixed Rate

Minimum of $100 to open

TermInterest RateAPY*
12 month3.30%3.35%
24 months2.96%3.00%
36 months2.76%2.80%
48 months2.57%2.60%
60 months2.23%2.25%

Health Savings Account – Variable Rate

No minimum to open

Minimum Balance to Open/Earn APY*Interest RateAPY*
$0 – $2,499.991.97%1.99%
$2,500 plus2.23%2.25%

Prime Savings – Variable Rate

Minimum of $100 to open

Minimum Balance to Open/Earn APY*Interest RateAPY*
$0 – $2,999.992.13%2.15%
$3,000 plus2.32%2.35%

Minor Savings – Variable Rate

Minimum of $25 to open

Minimum Balance to Open/Earn APY*Interest RateAPY*
$25.00 plus2.32%2.35%

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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