Bank · FDIC insured
Adams Bank & Trust Savings Rates
Adams Bank & Trust’s best savings rate is 0.65% APY on $10,000, with its Consumer Money Market Savings. Rates checked October 22, 2026.
How Adams Bank & Trust’s savings rates compare
Compared with banks and credit unions near Colorado Springs, CO, where Adams Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Adams Bank & Trust
0.65%APY
- Requires
- None
- Earns on $10,000 a year
- $65
Standard Savings Account
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Earns on $10,000 a year
- $371
2nd-highest rate
Credit Union of Colorado
3.30%APY
- Requires
- Another account
- Earns on $10,000 a year
- $330
Adams Bank & Trust savings score
82
Savings score
Higher than 59% of U.S. banks and credit unions
- $1,000 balance$1,0000.65%
- $10,000 balance$10,0000.65%
- $100,000 balance$100,0001.51%
- QualifiedQualified0.65%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Adams Bank & Trust ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
PREMIER Savings
0.10%APY
The interest rate and annual percentage yield may change after account opening. Rates current as of 10/20/2026 9:15 AM (mst).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.10% | $10 |
| $25,000 – $50,000 | 0.50% | — |
| $50,000 – $75,000 | 0.80% | — |
| $75,000 – $100,000 | 1.00% | — |
| $100,000 and up | 1.51% | — |
Sources (1)
- secure.abtbank.com/disclose/ratesheet.pdf · captured Oct 22, 2026
Standard Savings Account
0.65%APY
Rates current as of 10/01/2026 9:15 AM (mst)
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.10% | — |
| $1,000 and up | 0.65% | $65 |
Sources (1)
- secure.abtbank.com/disclose/ratesheet.pdf · captured Oct 5, 2026
Special-purpose accounts
Christmas Club
2.00%APY
The interest rate and annual percentage yield may change after account opening. Rates current as of 10/20/2026 9:15 AM (mst).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,001The interest rate and annual percentage yield may change after account opening. | 2.00% | $200 | The interest rate and annual percentage yield may change after account opening. |
| $10,001 and upThe interest rate and annual percentage yield may change after account opening. | 0.00% | — | The interest rate and annual percentage yield may change after account opening. |
Sources (1)
- secure.abtbank.com/disclose/ratesheet.pdf · captured Oct 22, 2026
Consumer Money Market Savings
0.65%APY
$2 monthly service fee is waived with a $100 minimum balance, or for account holders under 18 and college students under 24 with a valid student ID. The interest rate and annual percentage yield may change after account opening. First 3 monthly withdrawals are free, then $1 per withdrawal, up to a maximum of 6 withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,500Rate applies to balances from $0 to $1,499.99. Rate may change after account opening. $2 monthly service fee waived with $100 minimum balance, or for account holders under 18 and college students under 24 with valid student ID. First 3 monthly withdrawals are free, then $1 per withdrawal, up to 6 withdrawals per month. | 0.10% | — | Rate applies to balances from $0 to $1,499.99. Rate may change after account opening. $2 monthly service fee waived with $100 minimum balance, or for account holders under 18 and college students under 24 with valid student ID. First 3 monthly withdrawals are free, then $1 per withdrawal, up to 6 withdrawals per month. |
| $1,500 – $5,000Rate applies to balances from $1,500.00 to $4,999.99. Rate may change after account opening. $2 monthly service fee waived with $100 minimum balance, or for account holders under 18 and college students under 24 with valid student ID. First 3 monthly withdrawals are free, then $1 per withdrawal, up to 6 withdrawals per month. | 0.20% | — | Rate applies to balances from $1,500.00 to $4,999.99. Rate may change after account opening. $2 monthly service fee waived with $100 minimum balance, or for account holders under 18 and college students under 24 with valid student ID. First 3 monthly withdrawals are free, then $1 per withdrawal, up to 6 withdrawals per month. |
| $5,000 – $10,000Rate applies to balances from $5,000.00 to $9,999.99. Rate may change after account opening. $2 monthly service fee waived with $100 minimum balance, or for account holders under 18 and college students under 24 with valid student ID. First 3 monthly withdrawals are free, then $1 per withdrawal, up to 6 withdrawals per month. | 0.25% | — | Rate applies to balances from $5,000.00 to $9,999.99. Rate may change after account opening. $2 monthly service fee waived with $100 minimum balance, or for account holders under 18 and college students under 24 with valid student ID. First 3 monthly withdrawals are free, then $1 per withdrawal, up to 6 withdrawals per month. |
| $10,000 – $25,000Rate applies to balances from $10,000.00 to $24,999.99. Rate may change after account opening. $2 monthly service fee waived with $100 minimum balance, or for account holders under 18 and college students under 24 with valid student ID. First 3 monthly withdrawals are free, then $1 per withdrawal, up to 6 withdrawals per month. | 0.65% | $65 | Rate applies to balances from $10,000.00 to $24,999.99. Rate may change after account opening. $2 monthly service fee waived with $100 minimum balance, or for account holders under 18 and college students under 24 with valid student ID. First 3 monthly withdrawals are free, then $1 per withdrawal, up to 6 withdrawals per month. |
| $25,000 – $50,000Rate applies to balances from $25,000.00 to $49,999.99. Rate may change after account opening. $2 monthly service fee waived with $100 minimum balance, or for account holders under 18 and college students under 24 with valid student ID. First 3 monthly withdrawals are free, then $1 per withdrawal, up to 6 withdrawals per month. | 1.10% | — | Rate applies to balances from $25,000.00 to $49,999.99. Rate may change after account opening. $2 monthly service fee waived with $100 minimum balance, or for account holders under 18 and college students under 24 with valid student ID. First 3 monthly withdrawals are free, then $1 per withdrawal, up to 6 withdrawals per month. |
| $50,000 and upRate applies to balances of $50,000.00 and above. Rate may change after account opening. $2 monthly service fee waived with $100 minimum balance, or for account holders under 18 and college students under 24 with valid student ID. First 3 monthly withdrawals are free, then $1 per withdrawal, up to 6 withdrawals per month. | 1.50% | — | Rate applies to balances of $50,000.00 and above. Rate may change after account opening. $2 monthly service fee waived with $100 minimum balance, or for account holders under 18 and college students under 24 with valid student ID. First 3 monthly withdrawals are free, then $1 per withdrawal, up to 6 withdrawals per month. |
Sources (2)
All captured Oct 5, 2026
Health Savings Family
1.30%APY
The interest rate and annual percentage yield may change after account opening. Rates current as of 10/20/2026 9:15 AM (mst).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000The interest rate and annual percentage yield may change after account opening. | 0.65% | — | The interest rate and annual percentage yield may change after account opening. |
| $10,000 and upThe interest rate and annual percentage yield may change after account opening. | 1.30% | $130 | The interest rate and annual percentage yield may change after account opening. |
Sources (1)
- secure.abtbank.com/disclose/ratesheet.pdf · captured Oct 22, 2026
Health Savings Individual
1.30%APY
A qualified high deductible health plan (HDHP) is required to establish a health savings account (HSA). $5 monthly service fee with eStatements, $8 monthly service fee with paper statements. One-time $25 account establishment fee (separate and in addition to minimum opening deposit). The interest rate and annual percentage yield may change after account opening. Rates current as of 10/20/2026 9:15 AM (mst).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000$5 monthly service fee with eStatements, $8 with paper statements. A qualified high deductible health plan (HDHP) is required. One-time $25 account establishment fee. Rate may change after account opening. | 0.65% | — | $5 monthly service fee with eStatements, $8 with paper statements. A qualified high deductible health plan (HDHP) is required. One-time $25 account establishment fee. Rate may change after account opening. |
| $10,000 and up$5 monthly service fee with eStatements, $8 with paper statements. A qualified high deductible health plan (HDHP) is required. One-time $25 account establishment fee. Rate may change after account opening. | 1.30% | $130 | $5 monthly service fee with eStatements, $8 with paper statements. A qualified high deductible health plan (HDHP) is required. One-time $25 account establishment fee. Rate may change after account opening. |
Sources (2)
All captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.