Personal
Deposit Rates
Merit Checking – Variable Rate
Minimum of $100 to open
| Minimum Balance to Open/Earn APY* | Interest Rate | APY* |
|---|---|---|
| $0 – $999.99 | 0.15% | 0.15% |
| $1,000 – $9,999.99 | 0.25% | 0.25% |
| $10,000 – $49,999.99 | 0.30% | 0.30% |
| $50,000 – $99,999.99 | 0.35% | 0.35% |
| $100,000 plus | 0.40% | 0.40% |
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 | 0.25% | 0.25% |
| $50,000 – $99,999.99 | 0.35% | 0.35% |
| $100,000 plus | 0.45% | 0.45% |
Money Market – Variable Rate
Minimum of $2,000 to open
| Minimum Balance to Open/Earn APY* | Interest Rate | APY* |
|---|---|---|
| $0 – $1,999.99 | 0.90% | 0.90% |
| $2,000 – $9,999.99 | 1.39% | 1.40% |
| $10,000 – $49,999.99 | 1.83% | 1.85% |
| $50,000 – $99,999.99 | 2.27% | 2.30% |
| $100,000 plus | 2.37% | 2.40% |
Premier Money Market – Variable Rate
Minimum of $2,000 to open
| Minimum Balance to Open/Earn APY* | Interest Rate | APY* |
|---|---|---|
| $0 – $99,999.99 | 0.90% | 0.90% |
| $100,000 – $199,999.99 | 2.37% | 2.40% |
| $200,000 – $499,999.99 | 2.57% | 2.60% |
| $500,000 plus | 2.85% | 2.89% |
Time Certificates – Fixed Rate
Minimum of $1,000 to open
| Term | Interest Rate | APY* |
|---|---|---|
| 1 month | 2.08% | 2.10% |
| 3 months | 2.76% | 2.80% |
| 6 months | 3.40% | 3.46% |
| 9 months | 3.35% | 3.41% |
| 12 months | 3.30% | 3.35% |
| 24 months | 2.96% | 3.00% |
| 36 months | 2.76% | 2.80% |
| 48 months | 2.57% | 2.60% |
| 60 months | 2.23% | 2.25% |
IRAs (Roth & Traditional) – Fixed Rate
Minimum of $100 to open
| Term | Interest Rate | APY* |
|---|---|---|
| 12 month | 3.30% | 3.35% |
| 24 months | 2.96% | 3.00% |
| 36 months | 2.76% | 2.80% |
| 48 months | 2.57% | 2.60% |
| 60 months | 2.23% | 2.25% |
Health Savings Account – Variable Rate
No minimum to open
| Minimum Balance to Open/Earn APY* | Interest Rate | APY* |
|---|---|---|
| $0 – $2,499.99 | 1.97% | 1.99% |
| $2,500 plus | 2.23% | 2.25% |
Prime Savings – Variable Rate
Minimum of $100 to open
| Minimum Balance to Open/Earn APY* | Interest Rate | APY* |
|---|---|---|
| $0 – $2,999.99 | 2.13% | 2.15% |
| $3,000 plus | 2.32% | 2.35% |
Minor Savings – Variable Rate
Minimum of $25 to open
| Minimum Balance to Open/Earn APY* | Interest Rate | APY* |
|---|---|---|
| $25.00 plus | 2.32% | 2.35% |
Disclaimers
*APY – Annual Percentage Yield
- All variable rates are subject to change after account opening
- A penalty may be assessed for early withdrawal on CD’s
- Fees imposed on accounts could reduce earnings
- Please contact a Yampa Valley Bank employee for further information about applicable fees and terms
