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 1.00% 1.01%
 $2,000 - $9,999.99  1.24% 1.25% 
 $10,000 - $49,999.99  1.69% 1.70% 
 $50,000 - $99,999.99  1.78% 1.80% 
 $100,000 plus  1.88% 1.90% 

Premier Money Market - Variable Rate

Minimum of $2,000 to open

 Minimum Balance to Open/Earn APY* Interest Rate APY*
 $0 - $99,999.99 1.69% 1.70%
 $100,000 - $199,999.99  1.98% 2.00% 
 $200,000 - $499,999.99  2.08% 2.10% 
$500,000 plus  2.18% 2.20% 

Time Certificates - Fixed Rate

Minimum of $1,000 to open

Term Interest Rate APY*
1 month 0.95% 0.95%
3 months  1.04% 1.05% 
6 months  1.14% 1.15% 
9 months  1.49% 1.50% 
12 months   2.76% 2.80% 
24 months   3.25% 3.30% 
36 months   2.96% 3.00% 
48 months  2.86% 2.90% 
60 months  2.76% 2.80% 

IRAs (Roth & Traditional) - Fixed Rate

Minimum of $100 to open

Term Interest Rate APY*
12 month 2.76% 2.80%
24 months 3.25% 3.30% 
36 months  2.96% 3.00% 
48 months  2.86% 2.90% 
60 months  2.76% 2.80% 

Health Savings Account - Variable Rate

No minimum to open

 Minimum Balance to Open/Earn APY* Interest Rate APY*
 $0 - $2,499.99 1.34% 1.35% 
 $2,500 plus  1.69% 1.70% 

Prime Savings - Variable Rate

Minimum of $100 to open

 Minimum Balance to Open/Earn APY* Interest Rate APY*
 $0 - $2,999.99 1.34% 1.35% 
 $3,000 plus  1.69% 1.70% 

Minor Savings - Variable Rate

Minimum of $25 to open

 Minimum Balance to Open/Earn APY* Interest Rate APY*
 $25.00 plus  1.73% 1.75% 

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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