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DEPOSIT
Free
Personal Checking
- Opening Deposit $100.
- No monthly service charge or
minimum balance requirements.
- Check printing fees vary by the
style of checks ordered.
- No age restrictions.
- No transaction limitations. We
reserve the right to close the account if there is no activity for 60
days.
Business
Checking
- Opening Deposit $250.
- Monthly service charge of $5.00
and $.10 per debit or credit item will be charged to the account.
- Credit will be issued based on the
3-month US Treasury rate, adjusted monthly, for each $100 of the
average available balance.
- Check printing fees vary by the
style of checks ordered.
- No transaction limitations.
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49 and
Holding Checking
- Opening Deposit $100.
- No monthly service charge or
minimum balance requirements.
- Account holder must be 50 years of
age or older.
- No fees for Cashier Checks, Money
Orders, or Traveler's Cheques.
- You may receive up to four boxes
of "bank logo" checks per year free of charge.
- No transaction limitations.
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NOW
Account
- Opening Deposit $1,000.
- No monthly service charge if you
maintain $500 balance.
- Earn interest on your balance
computed by the daily balance method.
- Monthly service charge of $5.00
plus $0.10 per check will be imposed if the balance in the account
falls below $500 any day during the statement cycle.
- See the Deposit Account Rate Chart
for rates.
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Money
Market Checking
- Opening Deposit $2,500.
- No monthly service charge if you
maintain $1,000 balance.
- Earn interest on your balance
computed by the daily balance method.
- Limited withdrawals of 6 per
statement cycle.
- Excessive withdrawal fee of $1.00
for each withdrawal exceeding 6 per month applies.
- Monthly service charge of $5.00
plus $0.10 per check will be imposed if the balance in the account
falls below $1,000 any day during the statement cycle.
- See the Deposit Account Rate Chart
for rates.
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Personal
Savings
- Opening Deposit $100.
- Monthly service charge is $3.00.
- Monthly service charge is waived
if you maintain $100 balance.
- Earn interest on your balance
computed by the daily balance method.
- Excessive withdrawal fee of $1.00
for each withdrawal exceeding 6 per month applies.
- See the Deposit Account Rate Chart
for rates.
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Young
Banker Savings
- Opening Deposit $10.
- One account holder must be under
age 18 and one adult.
- Earn interest computed on the
daily balance method to be paid quarterly.
- Monthly service charge is waived.
- Excessive withdrawal fee of $1.00
for each withdrawal exceeding 6 per month applies.
- See the Deposit Account Rate Chart
for rates.
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Christmas Club Savings
-
See Deposit
Account Rate Chart below for current rates
-
Deposit up to
$2,400
-
Make up to 3
withdrawals between Nov. 2 – Dec. 31
-
Interest is paid
quarterly
-
$25 early
account closing fee applies
-
$25 early
withdrawal penalty applies
-
Any transaction
exceeding the limit of 3 will activate
account closure
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IRA
Accounts
- Opening deposit of $50
- Types available: Traditional, Roth
or Coverdell Education Savings Accounts
- Earn interest computed on the daily
balance method to be paid quarterly
- No annual fee
- See Deposit Account Rate Chart for
rates
- IRA’s are subject to limitations
and/or penalties imposed by the Internal Revenue Service. Please see
your IRA Agreement or your tax advisor for additional information
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SEP
Accounts
- Simplified Employee Pension (SEP)
Plan
- Opening deposit of $50
- Earn interest computed on the daily
balance method to be paid quarterly
- No annual fee
- See Deposit Account Rate Chart for
rate
- SEP Accounts are subject to
limitations and/or penalties imposed by the Internal Revenue Service.
Please see your SEP Agreement or your tax advisor for additional
information
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| Deposit
Account Rates |
| This Rate Chart
contains information about interest rates and annual percentage yields
for some of the accounts we offer. |
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Account
Name |
Minimum
Opening Deposit |
Minimum
Balance to Obtain
Annual Percentage Yield |
Interest
Rate |
Annual
Percentage Yield |
| |
|
|
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| NOW |
$1,000.00 |
$0.01 |
0.10% |
0.10% |
| Money Market
Checking |
$2,500.00 |
$0.01 |
|
|
| Your Daily
Balance: |
|
|
|
|
| .01 - 9,999.99 |
|
|
0.15% |
0.15% |
| 10,000.00 - 24,999.99 |
|
|
0.20% |
0.20% |
| 25,000.00 -
249,999.99 |
|
|
0.25% |
0.25% |
| 250,000.00 - 499,999.99 |
|
|
0.30%
|
0.30%
|
| 500,000.00 - 999,999.99 |
|
|
0.40%
|
0.40%
|
| Regular Savings |
$100.00 |
$0.01 |
0.22% |
0.22% |
| Young Banker
Savings |
$10.00 |
$0.01 |
0.25% |
0.25% |
| IRA Savings |
$50.00 |
$0.01 |
1.29% |
1.30% |
| Health Savings (HSA) |
$50.00 |
$0.01 |
1.29% |
1.30% |
| Christmas Club Savings -
maximum deposit $2,400. Subject
to $25 early withdrawal penalty. |
$25.00 |
$0.01 |
1.29% |
1.30% |
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| Certificate of Deposits |
| |
|
Interest |
Annual
Percentage |
| |
|
Rate |
Yield |
| 1
Month Certificate of Deposit |
|
|
|
| Daily
Balances Of: |
$1,000-$49,999.99 |
0.30% |
0.30% |
| |
$50,000-$99,999.99 |
0.35% |
0.35% |
| |
$100,000
and up |
Call for
rate |
|
| |
|
|
|
| 3
Month Certificate of Deposit |
|
|
|
| Daily
Balances Of: |
$1,000-$49,999.99 |
0.45% |
0.45% |
| |
$50,000-$99,999.99 |
0.50% |
0.50% |
| |
$100,000
and up |
Call for
rate |
|
| |
|
|
|
| 6
Month Certificate of Deposit |
|
|
|
| Daily
Balances Of: |
$1,000-$49,999.99 |
0.80% |
0.80% |
| |
$50,000-$99,999.99 |
0.85% |
0.85% |
| |
$100,000
and up |
Call for
rate |
|
| |
|
|
|
| 1
Year Certificate of Deposit |
|
|
|
| Daily
Balances Of: |
$1,000-$99,999.99 |
1.24% |
1.25% |
| |
$100,000 and up |
Call for rate |
|
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| 2
Year Certificate of Deposit |
|
|
|
| Daily
Balances Of: |
$1000-$99,999.99 |
1.54% |
1.55% |
| |
$100,000
and up |
Call for
rate |
|
| |
|
|
|
| 3
Year Certificate of Deposit |
|
|
|
| Daily
Balances Of: |
$1,000-$99,999.99 |
1.98% |
2.00% |
| |
$100,000
and up |
Call for
rate |
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| A
penalty will be imposed for early withdrawal. |
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| Daily
balance is the amount in the account each day. |
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Interest Rates and Annual Percentage Yields are
current as of
July 15, 2010. |
Nest
Egg Certificate of Deposit
- 3-Year term, earning 1.30% APY
- Fixed rate certificate of deposit
- Minimum opening deposit of $50
- An automatic deposit ($50 minimum,
$250 maximum) must be made to the CD on the same day each month from a
checking or savings account held with High Plains Bank. Failure to do
so will cause the rate to drop to the current savings rate until
maturity.
- Automatically renewable
- Penalty for early withdrawal
- APY is accurate as of
July 15, 2010
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Add-On
CD
- 15-Month term, earning 1.20% APY
- Fixed rate certificate of deposit
- Minimum opening deposit of $1,000
- May add to CD in increments of
$1,000 or more at any time, as many times as desired
- Automatically renewable at the
current 1-year CD rate
- Penalty for early withdrawal
- APY is accurate as of
July 15, 2010
- Offer available for a limited time
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Safe
Deposit Boxes (various sizes)
- We offer various sizes ranging from
small to extra large
- Annual rental fees range from $15
per year to $80 per year
- Rent is billed annually and can be
automatically paid from your checking or savings account
- Enjoy the knowledge that your
belongings are held in a private and secure environment
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LOAN
Consumer
High Plains Bank offers a wide variety
of consumer loans. We can provide personal service and quick decisions
if it is time for that new car or truck. Maybe you are thinking about
buying, building, or remodeling your home. Whatever your need,
our friendly loan
officers are ready to assist you with competitive rates and terms. Give
us a call today at 1.800.984.0010 and see what we have to offer.
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Commercial
You've probably heard the saying, "It
takes money to make money". With over 99 years of commercial lending
under our belt we understand the cash flow needs of today's commercial
client. Whether it's starting that small part-time business you have
always dreamed of, or financing a multi-million dollar business, High
Plains Bank can help. Stop by or give us a call today and let us show
you what we can do for you.
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Farm
Since 1908 agriculture loans have been
a vital part of our business. Our ag loan officers have over 250 years
of combined production experience. We know what it's like to be unsure
of what Mother Nature will bring or how the markets will move. We also
understand the importance of supporting our customers through good
times and bad. With all of the risk in today's agriculture, you can
rest assured that High Plains Bank is a rock solid partner in your farm
or ranch business. Whether it's a farm operating loan or buying that
section next to you, we can help with fast friendly service and
competitive rates. Give us a call and visit with any our experienced
loan officers to find out how we can best serve your needs.
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