Certificates of Deposit Rates

Account Type	APY^¹	Minimum Deposit to Open	Minimum Balance to Obtain APY
3 Month CD Special Apply for a 3 Month CD Now	3.75%*	$1,000	$10
6 Month CD Apply for a 6 Month CD Now	3.00%	$1,000	$10
8 Month CD Special Apply for a 8 Month CD Now	3.90%*	$1,000	$10
9 Month CD Apply for a 9 Month CD Now	2.75%	$1,000	$10
12 Month CD Apply for a 12 Month CD Now	2.75%	$1,000	$10
14 Month CD Special Apply for a 14 Month CD Now	3.25%	$1,000	$10
18 Month CD Apply for a 18 Month CD Now	2.25%	$1,000	$10
24 Month CD Apply for a 24 Month CD Now	2.00%	$1,000	$10
36 Month CD Apply for a 36 Month CD Now	2.25%	$1,000	$10
48 Month CD Apply for a 48 Month CD Now	2.50%	$1,000	$10
60 Month CD Apply for a 60 Month CD Now	2.75%	$1,000	$10

Effective Date: July 27, 2026

*New money required. Funds to open the 3 or 8 Month CDs cannot come from an existing MountainOne deposit account.

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CDs & IRAs

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Fee Schedule

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¹The Annual Percentage Yield (APY) is accurate as of the Effective Date listed above. A substantial penalty may be imposed for early withdrawal of time accounts. Certificates of Deposit accounts earn a fixed rate of interest until maturity. Deposits insured by the FDIC up to the current FDIC limits and by the DIF up to any amount in excess of FDIC limits. The APY assumes interest remains on deposit until maturity. Premium CD rates may be available to customers with an active VISTA Relationship; excludes CD Specials. ↩

PROTECTING THE HERD: We have received recent reports of Fraudsters impersonating MountainOne representatives claiming they need to verify transaction or account information. You should never share your account information or credentials with anyone. If you are ever in doubt regarding a call or email you received, please call us at 855-444-6861.

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SCHEDULED MAINTENANCE: Digital Banking may be unavailable on Sunday, July 26, between 12:00am–4:00am for routine system maintenance. Please submit any transactions before or after this timeframe. Thank you!

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