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Rates

Deposit Rates

All rates are effective as of Nov 27,2022

Deposit Rates

We presently accept deposits only from residents of the San Luis Valley.

APY = Annual Percentage Yield

Certificates of Deposit

CD Rates
Term Length Deposit Tier Interest Rate APY
6 Months

Tier 1 ($1,000.00+)

Tier 2 ($100,000.00+)

0.24%

0.34%

0.24%

0.34%

1 Year

Tier 1 ($1,000.00+)

Tier 2 ($100,000.00+)

0.34%

0.44%

0.34%

0.44%

2 Years

Tier 1 ($1,000.00+)

Tier 2 ($100,000.00+)

0.59%

0.69%

0.59%

0.69%

All above accounts are compounded quarterly. A penalty will be imposed for early withdrawal. These accounts are also available for individual retirement accounts. A minimum of $1,000.00 required to open.

Insured Money Market Rates

CD Rates
Deposit Tier Interest Rate APY

Tier 1 ($1,000.00+)

0.07%

0.07%

Tier 2($100,000.00+)

0.17%

0.17%

The above account is compounded monthly and the interest rate is variable. The rate may change after the account is opened. Fees could reduce the earnings on the account. A minimum of $1,000.00 required to open.

Premium Insured Money Market Rates

CD Rates
Deposit Tier Interest Rate APY

Tier 1 ($1,000.00+)

0.12%

0.12%

Tier 2($100,000.00+)

0.22%

0.22%

The above account is compounded monthly and the interest rate is variable. The rate may change after the account is opened. Fees could reduce the earnings on the account. A minimum of $1,000.00 required to open. Premium IMMA has special conditions.

Checking and Savings Account Rates 

CD Rates
Account Name Minimum Deposit to Open Interest Rate APY
Totally Free Checking

$50.00

0.00%

0.00%

VIP Free Interest Checking1

$50.00

0.05%

0.05%

Health Savings Account1

$1.00

0.16%

0.16%

SLVFB Savings2

$100.00

0.11%

0.11%

Chipmunk Savings2

$1.00

0.16%

0.16%

1These accounts are compounded monthly.

2These accounts are compounded daily.

The interest rate is variable and may change after the account is opened. Fees could reduce the earnings on the account. They require $1.00 minimum balance to obtain the APY.


Interest rates are subject to change without notice. Contact Bank for current rates. *APR (Annual Percentage Rate) – the actual cost of credit to the borrower, including interest and certain other charges, expressed as a yearly rate and calculated over the life of the loan.

If you need information on any of our additional loan products or rates, please call 719-589-6653 or toll-free 1-877-478-8625 to reach any of our loan professionals.