High Plains Bank: Savings Accounts & Rates

Savings rates updated: 11/16/2025

Mission statement: Banksparency aims to make High Plains Bank's savings accounts transparent and comparable to those of other banks. .

Note: Interest rates below are reported as APY, or Annual Percentage Yield

We earn a commission if you open an account through some links on this page.

Savings Overview

High Yield Savings Account: 0.23% - 3.82% APY(Rank 52 out of 87 tracked HYSAs)

Minimum Deposit: $25

National Savings Interest Rate: 0.4% (as of 10/20/2025)

Note: The FDIC tracks savings and CD rates nationally, but it does not report APY, only the average interest rate.

(Source: FDIC)

Bank Overview

Location: Flagler, Colorado

Founded: 1908

Access to Branches: 5 locations in Colorado

Deposit Insurance: FDIC Cert # 3017

BBB Rating: Not Rated (Not BBB Accredited)

App Store Rating: 4.9/5

Google Play Rating: 4.8/5

Website: Visit High Plains Bank

Our Take on High Plains Bank

Highlights

APY of 3.82% is competitive for high-yield savings accounts.
No maintenance fees for the High Yield Savings Account.
Minimum deposit requirement is only $25.
High Plains Bank has a strong App Store rating of 4.9.

Considerations

Requires a minimum balance of $500,000 to avoid lower APY.
Not BBB Accredited, which may raise trust concerns.
Limited branch access with only 5 locations in Colorado.
No direct deposit option available for higher APY.

Summary: High Plains Bank offers a competitive APY of 3.82% for its High Yield Savings Account, but it requires a substantial minimum balance of $500,000 to maintain this rate. The bank has a solid App Store rating of 4.9, but it lacks BBB accreditation, which could be a concern for some savers. With only 5 branches in Colorado, access may be limited for those who prefer in-person banking.

Savings Account: In-Depth View

Savings Account Offered by High Plains Bank

Feature	High Yield Savings Account
APY	0.23% - 3.82% (as of 11/16/2025)
APY Trend	Stable for the last quarter
Minimum Deposit	$25
Minimum Balance for APY	$500,000
FDIC-insured	Yes
Online Only	No
Bundled Account	No
Direct Deposit Required	No
Compound Frequency	N/A
Maintenance Fee	$0
Eligibility	United States
Sponsored Link
No deposit agreement summary available for this bank.

Calculate Savings for High Plains Bank

All calculations are based on APY.

Savings Product:

High Yield Savings Account (APY: 0.23% ⎼ 3.82%)

Initial Deposit:

⚠️ The minimum balance for the higher APY on this account is $500,000.

Recurring Deposit Amount:

Deposit Frequency:

Duration:

Total savings breakdown:

Interest earned: $85.9 (0.61%)
Total contributions: $13,000 (92.29%)
Initial deposit: $1,000 (7.10%)

Your total balance

$14,085.90

Effective APY: 0.23% (based on your deposit and contributions)

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

High Plains Bank Savings Rates Over Time

Historical APY Insights

Metric	High Yield Savings Account
Latest APY	3.82 %
Trend	Sideways
Slope (bps/mo)	-0.0
Rate Changes / Mo	0.00
Days Since Last Change	240
High (-8 m)	3.82 %
Low (-8 m)	3.82 %
Draw-down from High	0.0 %
Volatility (CV)	0.000

APY Insights Glossary

Latest APY: Most recent advertised annual-percentage yield.
Trend: Direction over the last 8 months (regression slope).
Slope (bps/mo): Average monthly change; 10 bps = 0.10 pp.
Rate Changes / Mo: Typical number of APY moves per month.
Days Since Last Change: Recency of the latest APY adjustment.
High (-8 m): Highest APY in the last 241 days.
Low (-8 m): Lowest APY in the last 241 days.
Draw-down from High: How far today sits below the 8-month peak.
Volatility (CV): Coefficient of variation = stdev ÷ mean.

Why Track Savings-Account APYs?

See how quickly a bank reacts to Fed moves or competition.
Gauge “twitchiness” - frequent moves can annoy savers.
Spot if you're buying near a peak (draw-down) or riding a rise.
Slope (bps/mo) shows speed of change.
Volatility (CV) scales jumps by average level.

Compare High Plains Bank's Savings Account

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ROGER - 3.87% APY
Salem Five Direct - 3.71% APY
Sallie Mae Bank - 3.90% APY
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TD Bank - 0.05-2.75% APY
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Wells Fargo - 0.05-0.05% APY
Western Alliance Bank - 4.05% APY
Zynlo Bank - 4.20% APY

Feature	High Plains Bank	Select a bank...
Product	High Yield Savings Account	N/A
APY	0.23% - 3.82% (as of 11/16/2025)	N/A
Bundled Account	No	N/A
FDIC-insured	Yes	N/A
Online Only	No	N/A
Compound Frequency	N/A	N/A
Minimum Deposit	$25	N/A
Minimum Balance for APY	$500,000	N/A
Maintenance Fee	$0	N/A
Direct Deposit Required	No	N/A

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Eligible States: Limited (see details)