Bank · FDIC insured
High Country Bank Savings Rates
High Country Bank’s best savings rate is 2.53% APY on $10,000, with its Special Premier Money Market. Rates checked October 22, 2026.
How High Country Bank’s savings rates compare
Compared with banks and credit unions near Boulder, CO, where High Country Bank has the most branches. $10,000, best rate first.
This bank’s best
High Country Bank
2.53%APY
- Earns on $10,000 a year
- $253
Special Premier Money Market
Top rate
MidFirst Bank
4.00%APY
- Earns on $10,000 a year
- $400
2nd-highest rate
UMB Bank
3.71%APY
- Earns on $10,000 a year
- $371
High Country Bank savings score
89
Savings score
Higher than 89% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0002.53%
- $100,000 balance$100,0002.53%
- QualifiedQualified2.53%
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 High Country Bank 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.
Save As You Spend Savings
Up to 18.86%APY
When enrolled in Save As You Spend service, point of sale debit card purchases made by checking account owner(s) are rounded up to the next whole dollar amount and transferred to savings. No deposits other than transferred rounded up portions are allowed. No minimum amount required to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Introductory rate good for an introductory period of 6 months from the date the account is opened. Minimum $.01 needed to obtain the APY. Rates subject to change without notice and may change after account is opened.Over $0 | 18.86% | $1,886 | Introductory rate good for an introductory period of 6 months from the date the account is opened. Minimum $.01 needed to obtain the APY. Rates subject to change without notice and may change after account is opened. |
| Over $0Standard ongoing rate after the 6-month introductory period. Minimum $.01 needed to obtain the APY. Rates subject to change without notice and may change after account is opened.Over $0 | 0.50% | $50 | Standard ongoing rate after the 6-month introductory period. Minimum $.01 needed to obtain the APY. Rates subject to change without notice and may change after account is opened. |
Sources (1)
- highcountrybank.net/personal/personal-savings · captured Sep 17, 2026
Special Premier Money Market
2.53%APY
Special Premier Money Market applies to new money and/or matured High Country Bank CDs.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $5,000$10.00 fee per statement cycle if balance falls below $100.00. Applies to new money and/or matured High Country Bank CDs. | 0.10% | — | $10.00 fee per statement cycle if balance falls below $100.00. Applies to new money and/or matured High Country Bank CDs. |
| $5,000 – $10,000Rate is based on current Fed Funds rate minus 3.00%. $10.00 fee per statement cycle if balance falls below $100.00. Applies to new money and/or matured High Country Bank CDs. | 1.01% | — | Rate is based on current Fed Funds rate minus 3.00%. $10.00 fee per statement cycle if balance falls below $100.00. Applies to new money and/or matured High Country Bank CDs. |
| $10,000 and upRate is based on current Fed Funds rate minus 1.50%. $10.00 fee per statement cycle if balance falls below $100.00. Applies to new money and/or matured High Country Bank CDs. | 2.53% | $253 | Rate is based on current Fed Funds rate minus 1.50%. $10.00 fee per statement cycle if balance falls below $100.00. Applies to new money and/or matured High Country Bank CDs. |
Sources (1)
- highcountrybank.net/personal/personal-savings · captured Oct 22, 2026
Premier Money Market
0.25%APY
New Money Only. New money is money that is not currently on deposit with High Country Bank.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50,000 and upNew Money Only. New money is money that is not currently on deposit with High Country Bank. $10.00 fee per statement cycle if balance falls below $50,000.00.$50,000 and up | 0.25% | — | New Money Only. New money is money that is not currently on deposit with High Country Bank. $10.00 fee per statement cycle if balance falls below $50,000.00. |
Sources (1)
- highcountrybank.net/wp-content…ES-DEPOSIT-July-2026.pdf · captured Oct 22, 2026
Money Market Account
0.06%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $10,000$10.00 fee per statement cycle if balance falls below $500.00. | 0.05% | — | $10.00 fee per statement cycle if balance falls below $500.00. |
| $10,000 – $50,000$10.00 fee per statement cycle if balance falls below $500.00. | 0.06% | $6 | $10.00 fee per statement cycle if balance falls below $500.00. |
| $50,000 – $100,000$10.00 fee per statement cycle if balance falls below $500.00. | 0.10% | — | $10.00 fee per statement cycle if balance falls below $500.00. |
| $100,000 – $250,000$10.00 fee per statement cycle if balance falls below $500.00. | 0.15% | — | $10.00 fee per statement cycle if balance falls below $500.00. |
| $250,000 and up$10.00 fee per statement cycle if balance falls below $500.00. | 0.20% | — | $10.00 fee per statement cycle if balance falls below $500.00. |
Sources (2)
- highcountrybank.net/personal/personal-savings
- highcountrybank.net/wp-content…ES-DEPOSIT-July-2026.pdf
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.