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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.

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: March 22, 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 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.