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Savings and Certificate of Deposit Accounts

Mountain High Savings

The minimum balance required to open the account is $100. The minimum daily balance for this account is $100 to avoid a monthly minimum balance fee. The monthly minimum balance fee of $1 will be charged for that cycle if the balance drops below $100 any day during the statement cycle. Interest is paid on balances of $100 or greater. No per-withdrawal or per-deposited item charges.

Minor Savings

No minimum is required to open this account, no monthly minimum balance fee and no minimum balance to maintain the account. Interest is paid on balances $0.01 or greater. No per-withdrawal or per-deposited item charges. In order to maintain a minor account, the child must be under 18 years of age. When the child is no longer a minor, the account will roll to a regular Mountain High Savings Account and be bound by those terms.

Christmas Club Savings

Save for Christmas! The minimum balance required to open the account and obtain the annual percentage yield is $1. Customers will be issued a check approximately the 1st week in November, leaving a balance of $1 to maintain the account.

Health Savings

The minimum balance required to open the account is $25. There is no monthly minimum balance fee and no minimum balance required to maintain the account. Tiered interest rates apply on balances $0.01 and greater. No per-check or per-deposited item charges. Check images are returned monthly. The account is for persons with a High Deductible Health Plan (HDHP) to pay for qualified medical expenses.  A debit card is also issued with the account.

Certificate of Deposits

Terms of 3-9 months require a minimum $1,000 to open the account and terms of 10-60 months require a minimum of $500 to open the account. The current rates on these accounts are available by request, and may change at our discretion at any time. The certificate of deposit may be subject to an early withdrawal penalty.

Individual Retirement Accounts

The minimum balance required to open the account is $500. Traditional, Roth, & SEP IRAs offer individuals an easy way to save for retirement.  Certificate of Deposit accounts available in 12-, 24-, 36-, 48-, or 60-month terms only.  May be subject to early withdrawal penalty.

Ready to open a checking account with us?

Stop by one of four convenient Grand County locations!