Deposit Rates

 

Merit Checking - Variable Rate

Minimum of $100 to open

 Minimum Balance to Open/Earn APY* Interest Rate APY*
 $0 - $999.99 0.05% 0.05% 
 $1,000 - $9,999.99  0.05% 0.05% 
 $10,000 - $49,999.99  0.10% 0.10% 
 $50,000 - $99,999.99  0.15% 0.15% 
 $100,000 plus  0.20% 0.20% 

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  0.10% 0.10% 
 $10,000 - $49,999.99  0.10% 0.10% 
 $50,000 - $99,999.99  0.15% 0.15% 
 $100,000 plus  0.25% 0.25% 

Money Market - Variable Rate

Minimum of $2,000 to open

 Minimum Balance to Open/Earn APY* Interest Rate APY*
 $0 - $1,999.99 0.15% 0.15%
 $2,000 - $9,999.99  0.18% 0.18% 
 $10,000 - $49,999.99  0.22% 0.22% 
 $50,000 - $99,999.99  0.25% 0.25% 
 $100,000 plus  0.30% 0.30% 

Premier Money Market - Variable Rate

Minimum of $2,000 to open

 Minimum Balance to Open/Earn APY* Interest Rate APY*
 $0 - $99,999.99 0.18% 0.18%
 $100,000 - $199,999.99  0.30% 0.30% 
 $200,000 - $499,999.99  0.40% 0.40% 
$500,000 plus  0.50% 0.50% 

Time Certificates - Fixed Rate

Minimum of $1,000 to open

Term Interest Rate APY*
1 month 0.50% 0.50%
3 months  0.60% 0.60% 
6 months  0.70% 0.70% 
9 months  0.80% 0.80% 
12 months   0.90% 0.90% 
24 months   1.00% 1.01% 
36 months   1.05% 1.06% 
48 months  1.10% 1.11% 
60 months  1.15% 1.16% 

IRAs (Roth & Traditional) - Fixed Rate

Minimum of $100 to open

Term Interest Rate APY*
12 month 0.90% 0.90%
24 months 1.00% 1.01% 
36 months  1.05% 1.06% 
48 months  1.10% 1.11% 
60 months  1.15% 1.16% 

Health Savings Account - Variable Rate

No minimum to open

 Minimum Balance to Open/Earn APY* Interest Rate APY*
 $0 - $2,499.99 0.20% 0.20% 
 $2,500 plus  0.25% 0.25% 

Prime Savings - Variable Rate

Minimum of $100 to open

 Minimum Balance to Open/Earn APY* Interest Rate APY*
 $0 - $2,999.99 0.20% 0.20% 
 $3,000 plus  0.25% 0.25% 

Minor Savings - Variable Rate

Minimum of $25 to open

 Minimum Balance to Open/Earn APY* Interest Rate APY*
 $25.00 plus  0.25% 0.25% 

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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