Yampa Valley Bank

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

4.41%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.yampavalleybank.com

970-879-2993

600 S. Lincoln Ave.
Steamboat Springs, CO 80477

Yampa Valley Bank is headquartered in STEAMBOAT SPRING and is the 15^th largest bank in the state of Colorado. It is also the 1,501^st largest bank in the nation. It was established in 2000 and as of December of 2024, it had grown to 76 employees at 2 locations. Yampa Valley Bank's money market rates are 7X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	35407
Year Established	2000
Employees	76
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.76%
Return on Equity - YTD	23.81%
Annual Interest Income	$36.5MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$631.7MM$616.7MM
Loans	Q4 2024vs Q4 2023	$464MM$424.7MM
Deposits	Q4 2024vs Q4 2023	$573.4MM$556.7MM
Equity Capital	Q4 2024vs Q4 2023	$48.9MM$42.7MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$6.9MM$6.3MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$114K$347K
Real Estate Owned	Q4 2024vs Q4 2023	$25K$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.6 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.41%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.45%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Yampa Valley Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.60%^*	$3k^*	-	Variable Rate Prime Savings
OTHER TIERS: 2.40% → $0 - $3k
2.60%	$25	-	Variable Rate Minor Savings
2.45%^*	$2.5k^*	-	Variable Rate Health Savings Account
OTHER TIERS: 2.15% → $0 - $2.5k

Yampa Valley Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
3.10%^*	$500k^*	-	Variable Rate Premier Money Market
OTHER TIERS: 1.05% → $0 - $100k \| 2.65% → $100k - $200k \| 2.85% → $200k - $500k
2.55%^*	$100k^*	-	Variable Rate Money Market
OTHER TIERS: 1.11% → $0 - $2k \| 1.65% → $2k - $10k \| 2.07% → $10k - $50k \| 2.30% → $50k - $100k

Yampa Valley Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.65%^*	$100k^*	-	Variable Rate Merit Checking
OTHER TIERS: 0.35% → $0 - $1k \| 0.40% → $1k - $10k \| 0.45% → $10k - $50k \| 0.55% → $50k - $100k
0.60%^*	$100k^*	-	Business Interest Checking
OTHER TIERS: 0.35% → $5k - $10k \| 0.45% → $10k - $50k \| 0.50% → $50k - $100k

Yampa Valley Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$1k	-	6 Month Fixed Rate CD
3.75%	$1k	-	9 Month Fixed Rate CD
3.50%	$1k	-	12 Month Fixed Rate CD
3.00%	$1k	-	24 Month Fixed Rate CD
2.90%	$1k	-	3 Month Fixed Rate CD
2.70%	$1k	-	36 Month Fixed Rate CD
2.25%	$1k	-	48 Month Fixed Rate CD
2.10%	$1k	-	1 Month Fixed Rate CD
2.00%	$1k	-	60 Month Fixed Rate CD

Yampa Valley Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.50%	$100	-	12 Month Fixed Rate IRA
3.00%	$100	-	24 Month Fixed Rate IRA
2.70%	$100	-	36 Month Fixed Rate IRA
2.25%	$100	-	48 Month Fixed Rate IRA
2.00%	$100	-	60 Month Fixed Rate IRA

Locations

Yampa Valley Bank Locations
Craig Branch	435 Mack Lane	Craig, CO 81625
Yampa Valley Bank	600 S Lincoln Ave	Steamboat Springs, CO 80487

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