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Due to scheduled maintenance our mobile app, online banking, online account opening, and Zelle transfers will be unavailable Saturday, November 23, from 11:00 pm through Sunday, November 24, 7:00 am (MST). Debit Cards will have an offline limit of $750 during this time. We apologize for any inconvenience.

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Routing Number: 307070021
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Routing Number: 307070021

Rates

Cash Rewards Checking Certificates IRA Certificates IRA Savings Account Savings Account Rates Health Savings Account (HSA) IOLTA Checking Money Fund Rates Business Money Fund All Loan Rates
Table data for Cash Rewards Checking 1
 Effective as of 11/21/2024
Balance Dividend Rate APY* Alert Me
Base Rate 0.050% 0.05% Receive a notification when this rate changes
$0.00-$15,000.00 1.243% 1.25% Receive a notification when this rate changes
$15,000.01 or greater 0.150% 0.15% Receive a notification when this rate changes
Table data for Certificates
 Effective as of 11/21/2024
Term Dividend Rate APY* 2 Alert Me
3-5 months 3.445% 3.50% Receive a notification when this rate changes
6-11 months 3.832% 3.90% Receive a notification when this rate changes
12-17 months 4.169% 4.25% Receive a notification when this rate changes
18-23 months 3.735% 3.80% Receive a notification when this rate changes
24-29 months 3.542% 3.60% Receive a notification when this rate changes
30-35 months 3.590% 3.65% Receive a notification when this rate changes
36-41 months 3.590% 3.65% Receive a notification when this rate changes
42-47 months 3.542% 3.60% Receive a notification when this rate changes
48-53 months 3.542% 3.60% Receive a notification when this rate changes
54-60 months 3.445% 3.50% Receive a notification when this rate changes
Table data for IRA Certificates
 Effective as of 11/21/2024
Term Dividend Rate APY* 2 Alert Me
12-17 months 4.169% 4.25% Receive a notification when this rate changes
18-23 months 3.735% 3.80% Receive a notification when this rate changes
24-29 months 3.542% 3.60% Receive a notification when this rate changes
30-35 months 3.590% 3.65% Receive a notification when this rate changes
36-41 months 3.590% 3.65% Receive a notification when this rate changes
42-47 months 3.542% 3.60% Receive a notification when this rate changes
48-53 months 3.542% 3.60% Receive a notification when this rate changes
54-60 months 3.445% 3.50% Receive a notification when this rate changes

Table data for IRA Savings Account
 Effective as of 11/21/2024
Dividend Rate APY* Alert Me
IRA Savings Account 0.050% 0.05% Receive a notification when this rate changes

Table data for Savings Account
 Effective as of 11/21/2024
Dividend Rate APY* 3 Alert Me
Savings Account 0.050% 0.05% Receive a notification when this rate changes
Special Savings Account 0.050% 0.05% Receive a notification when this rate changes

Table data for Saver Account
 Effective as of 11/21/2024
Saver Account Balance Dividend Rate APY* 4 Alert Me
Base Rate 0.050% 0.05% Receive a notification when this rate changes
$0.00-$50,000.00 0.747% 0.75% Receive a notification when this rate changes
$50,000.01 or greater 0.150% 0.15% Receive a notification when this rate changes

Table data for Health Savings Account (HSA)
 Effective as of 11/21/2024
Balance Dividend Rate APY* Alert Me
$0.00 - $999.99 0.050% 0.05% Receive a notification when this rate changes
$1,000.00 - $2,499.99 0.050% 0.05% Receive a notification when this rate changes
$2,500.00 - $9,999.99 0.050% 0.05% Receive a notification when this rate changes
$10,000.00 - $24,999.99 0.100% 0.10% Receive a notification when this rate changes
$25,000.00 or Greater 0.150% 0.15% Receive a notification when this rate changes
Table data for IOLTA Checking
 Effective as of 11/21/2024
Balance Dividend Rate APY* 5 Alert Me
Base Rate 3.687% 3.75% Receive a notification when this rate changes
Table data for Money Fund
 Effective as of 11/21/2024
Balance Dividend Rate APY* 6 Alert Me
$1,000.00 - $2,499.99 0.399% 0.40% Receive a notification when this rate changes
$2,500.00 - $9,999.99 0.399% 0.40% Receive a notification when this rate changes
$10,000.00 - $24,999.99 0.449% 0.45% Receive a notification when this rate changes
$25,000.00 - $49,999.99 0.499% 0.50% Receive a notification when this rate changes
$50,000.00 - $99,999.99 0.598% 0.60% Receive a notification when this rate changes
$100,000.00 - $249,999.99 0.648% 0.65% Receive a notification when this rate changes
$250,000.00 - $499,999.99 0.698% 0.70% Receive a notification when this rate changes
$500,000.00 and greater 1.094% 1.10% Receive a notification when this rate changes

Table data for Business Money Fund
 Effective as of 11/21/2024
Balance Dividend Rate APY* Alert Me
$0.00-$49,999.99 0.499% 0.50% Receive a notification when this rate changes
$50,000.00-$99,999.99 0.648% 0.65% Receive a notification when this rate changes
$100,000.00-$249,999.99 0.995% 1.00% Receive a notification when this rate changes
$250,000.00-$499,999.99 1.687% 1.70% Receive a notification when this rate changes
$500,000.00 or greater 1.982% 2.00% Receive a notification when this rate changes

*APY=Annual Percentage Yield. APY accurate as of the last dividend declaration date. Rates subject to change. Fees may reduce earnings. Restrictions and requirements apply.

Disclosures

1 Qualifications: (a) Post and clear at least one direct deposit or pre-authorized ACH (b) post and clear twelve or more purchase transactions using your debit card and (c) enroll to receive your periodic statements electronically during the monthly periodic statement cycle. Account transactions and activities may take one or more days to post and clear to the account and all must do so during the monthly periodic statement cycle in order to qualify for the account’s rewards. When your Cash Rewards Checking account qualifications are met during a monthly periodic statement cycle, the following rewards will be distributed to your account on the last day of the month. Balances up to $15,000.00 earn an APY of 1.25%; and balances over $15,000.00 earn 0.15% APY on the portion of balance over $15,000.00. ATM fee refunds limited to $4.99 per item and $25.00 per monthly periodic statement cycle. Terms and conditions subject to change. 

2 A minimum balance of $500.00 is required to open and earn dividends on Certificate Accounts or an IRA Certificate. Early withdrawal penalties may apply.

3 A minimum balance of $5.00 is required to open and earn dividends.

4 Qualifications: In your Cash Rewards or Cash Back Rewards Checking account, (a) post and clear at least one direct deposit or pre-authorized ACH (b) post and clear twelve or more purchase transactions using your debit card and (c) enroll in estatements during the monthly periodic statement cycle. Account transactions and activities in your Cash Rewards or Cash Back Rewards Checking account may take one or more days to post and clear to your Cash Rewards or Cash Back Rewards Checking account and all must do so during the monthly periodic statement cycle in order to qualify for the Saver account rewards. When qualifications are met in your Cash Rewards or Cash Back Rewards Checking account, balances in your Saver account up to $50,000.00 earn 0.75% APY and balances over $50,000.00 earn 0.15% APY resulting in a range from 0.27% to 0.75% APY depending on the account’s balance. If qualifications are not met, 0.05% APY is received on the entire balance. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Terms and conditions subject to change. Membership requirements apply.

5 No dividends payable to account owner or authorized user. Dividends paid monthly will be swept from IOLTA trust account and remitted accordingly per IOLTA rules.

6 A minimum balance of $1,000.00 is required to earn dividends.