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Individual Retirement Accounts (IRA) Rates

APY*Minimum Deposit to OpenMinimum Balance to Obtain APY
3 Months.75%$1,000$10
6 Months.85%$1,000$10
12 Months1.25%$1,000$10
18 Months1.35%$1,000$10
24 Months1.50%$1,000$10
36 Months1.75%$1,000$10
48 Months1.85%$1,000$10
Effective Date: April 15, 2024

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 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.

PHONE SYSTEM UPGRADE: All MountainOne's phones and voicemail will be unavailable beginning at 4:00 pm on Tuesday, April 16 while we upgrade our telephone system. We appreciate your patience, and as always, our Online and Mobile Banking services are available 24 hours a day. Thank you!