Bank · FDIC insured
Yampa Valley Bank Savings Rates
Top CarrotYampa Valley Bank’s best savings rate is 2.50% APY on $10,000, with its Prime Savings. Rates checked October 22, 2026.
How Yampa Valley Bank’s savings rates compare
Compared with banks and credit unions near Steamboat Springs, CO, where Yampa Valley Bank has the most branches. $10,000, best rate first.
This bank’s best
Yampa Valley Bank
2.50%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $250
Prime Savings
2nd-highest rate
BMO
0.80%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $80
3rd-highest rate
Zions Bank
0.50%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $50
Yampa Valley Bank savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.31%
- $10,000 balance$10,0002.50%
- $100,000 balance$100,0002.65%
- QualifiedQualified2.50%
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 Yampa Valley 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.
Premier Money Market
1.05%APY
Variable rate; rates are subject to change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100,000 | 1.05% | $105 |
| $100,000 – $200,000 | 2.65% | — |
| $200,000 – $500,000 | 2.80% | — |
| $500,000 and up | 3.10% | — |
Sources (2)
- yampavalleybank.com/personal/deposit-products
- yampavalleybank.com/personal/d…t-products/deposit-rates
All captured Sep 24, 2026
Money Market
2.00%APY
Variable rate; rates are subject to change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,000 | 1.06% | — |
| $2,000 – $10,000 | 1.55% | — |
| $10,000 – $50,000 | 2.00% | $200 |
| $50,000 – $100,000 | 2.50% | — |
| $100,000 and up | 2.65% | — |
Sources (2)
- yampavalleybank.com/personal/deposit-products
- yampavalleybank.com/personal/d…t-products/deposit-rates
All captured Sep 24, 2026
Prime Savings
2.50%APY
Six pre-authorized withdrawals per month ($2 fee for each additional withdrawal). Transfer Cents Program available.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $3,000Monthly fee of $5 waived by maintaining a daily balance of $100 or more. Variable rate subject to change after account opening. Fees imposed on accounts could reduce earnings. | 2.31% | — | Monthly fee of $5 waived by maintaining a daily balance of $100 or more. Variable rate subject to change after account opening. Fees imposed on accounts could reduce earnings. |
| $3,000 and upMonthly fee of $5 waived by maintaining a daily balance of $100 or more. Variable rate subject to change after account opening. Fees imposed on accounts could reduce earnings. | 2.50% | $250 | Monthly fee of $5 waived by maintaining a daily balance of $100 or more. Variable rate subject to change after account opening. Fees imposed on accounts could reduce earnings. |
Sources (2)
- yampavalleybank.com/personal/deposit-products
- yampavalleybank.com/personal/d…t-products/deposit-rates
All captured Sep 24, 2026
Special-purpose accounts
Minor Savings
2.50%APY
For minors under 18; joint account with parent or guardian required. Limit one account per minor. No minimum balance requirement. Transfer Cents Program available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upNo monthly service charges. Variable rate subject to change after account opening. Fees imposed on accounts could reduce earnings.$25 and up | 2.50% | $250 | No monthly service charges. Variable rate subject to change after account opening. Fees imposed on accounts could reduce earnings. |
Sources (2)
- yampavalleybank.com/personal/deposit-products
- yampavalleybank.com/personal/d…t-products/deposit-rates
All captured Sep 24, 2026
Health Savings Account (HSA)
2.41%APY
Pay for qualified medical expenses with tax advantages. Optional free debit card. Check printing fees apply based on type and quantity ordered.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Variable rate subject to change after account opening. Fees imposed on accounts could reduce earnings. | 2.14% | — | Variable rate subject to change after account opening. Fees imposed on accounts could reduce earnings. |
| $2,500 and upVariable rate subject to change after account opening. Fees imposed on accounts could reduce earnings. | 2.41% | $241 | Variable rate subject to change after account opening. Fees imposed on accounts could reduce earnings. |
Sources (2)
- yampavalleybank.com/personal/deposit-products
- yampavalleybank.com/personal/d…t-products/deposit-rates
All captured Sep 24, 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.