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We’ve got you covered! With the recent events impacting the financial industry, we understand you may have questions, and even concerns, about the safety of your own deposits. First, you can rest assured that as a DIF Member Bank, all deposits with MountainOne are fully insured in excess of existing FDIC coverage. Still feeling unsure? Don’t fret! Our Mountaineers are here to guide you through any uncertainty. It’s in our nature! Learn more.

Certificate Of Deposit Rates

Flexibility and security in one guaranteed investment.

Ask about special CD Rates for VISTA customers!

APY*Minimum Deposit to OpenMinimum Balance to Obtain APY
3 Month.75%$1,000$10
6 Month.85%$1,000$10
8 Month4.35%$10,000$10
12 Month1.25%$1,000$10
18 Month1.35%$1,000$10
24 Month1.50%$1,000$10
36 Month1.75%$1,000$10
48 Month1.85%$1,000$10
60 Month2.00%$1,000$10
Effective Date: March 31, 2023

CDs & IRAs

Now is a great time to take advantage of the power of compounding. Starting to save today is the easiest way to ensure a comfortable future.


Helpful tools for planning personal financing, mortgages, investing, and more.

Fee Schedule

Review our Fee Schedule for an itemized list of fees.

*The 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.