Personal Banking Rates

When It Comes to Banking, We’re in Our Element

To open an account, visit a nearby office today. Current customers can open an account online in Online Banking, under Accounts.

Balance range to obtain APY	VISTA Personal Money Market APY^* minimum deposit to open $50	Pinnacle Money Market APY^* minimum deposit to open $50
Tier 1 $1 - $4999	.50%	.45%
Tier 2 $5000 - $24,999	.60%	.55%
Tier 3 $25,000 - $49,999	.70%	.65%
Tier 4 $50,000 - $99,999	1.00%	.95%
Tier 5 $100,000 - $249,999	1.25%	1.15%
Tier 6 $250,000 and above	1.25%	1.15%

Pinnacle Savings APY^* minimum deposit to open $25	Youth Savings APY^* minimum deposit to open $10; minimum balance to obtain APY $1	VISTA Premier Checking APY^* minimum deposit to open $50; minimum balance to obtain APY $1
.50%	1.00%	.05%

Effective Date: May 19, 2025

Savings & Money Market

No matter what your financial goals may be, your money is safe, secure, and ready when you need it.

Explore Personal Savings

Calculators

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

Get answers by using our Calculators

Fee Schedule

Review our Fee Schedule for an itemized list of potential fees.

See Our Fee Schedule

*The Annual Percentage Yield (APY) is accurate as of the Effective Date listed above. Fees may reduce earnings on an account. The rate on accounts is variable and may change after the account is opened. 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.