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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.

Minimum balance 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 - $99,9991.00%.95%
Tier 5 $100,000 - $249,9991.25%1.15%
Tier 6 $250,000 and above1.25%1.15%
Pinnacle Savings APY*
minimum deposit to open $25
Youth Savings APY*
minimum deposit to open $10
VISTA Premier Checking APY*
minimum deposit to open $50 minimum balance to obtain APY $1
Effective Date: November 28, 2023

Savings & Money Market

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


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. 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.

HOLIDAY NOTICE: In observance of Thanksgiving, all MountainOne offices will be closed on Thursday, November 23. On Friday, November 24, MountainOne Insurance will be closed, MountainOne Investments will close at 1 pm, and MountainOne Bank will be open normal business hours. As always, our Digital Banking services are available 24 hours a day.