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Individual Retirement Accounts (IRA) Rates

APY*Minimum Deposit to OpenMinimum Balance to Obtain APY
3 Months1.00%$1,000$10
6 Months1.10%$1,000$10
12 Months1.25%$1,000$10
18 Months2.25%$1,000$10
24 Months2.00%$1,000$10
36 Months2.25%$1,000$10
48 Months2.50%$1,000$10
Effective Date: May 19, 2025

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.

Calculators

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

Fee Schedule

Review our Fee Schedule for an itemized list of potential 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. Individual Retirement 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.

PROTECTING THE HERD: We have received recent reports of Fraudsters impersonating MountainOne representatives in an effort to gather customers' personal or account credentials. They may claim a correction needs to be made to your account or ask you to verify your personal or account credentials. MountainOne WILL NEVER REQUEST your account credentials, and you should never share your account credentials with anyone. If you are ever in doubt regarding a call or email you received, please call us at 855.444.6861.