High Plains Bank: Savings Account & Rates

Updated: 8/21/2026

Mission: Banksparency aims to make High Plains Bank's deposit accounts transparent and comparable to the market.

Interest rates reported as APY

Analysis of High Plains Bank

Our verdict

High Plains Bank offers High Yield Savings Account, a high-yield savings account paying 3.82% APY with a $25 minimum deposit.

At 3.82% APY, High Plains Bank pays 10x the national savings average of 0.38%.

Ideal User Profile

Best for: simple saving without extra requirements, quick transfers with Zelle, and having a branch nearby when you need one.

Key Differentiators

Stands out with top-rated iOS app (4.9), highly-rated Android app (4.8), in-person banking available, Zelle for instant transfers.

Savings Overview

High Yield Savings Account

Savings

3.82% APY

Tiered Range: 0.23% - 3.82%

StableNo rate changes in last 7 days

Min: $25 Branch Access

Min. Deposit	$25
Min. Balance	$0.01
Maintenance Fee	$0

Rank #35 of 337 tracked.

Market Reality Check

This institution offers rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.

See Top Rates

National Avg: 0.38% (FDIC, 8/1/2026).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationFlagler, CO
Ratings & Trust
4.9iOS 4.8Android Not RatedBBB Not BBB Accredited
Zelle® SupportAvailable
Available via the HPBGo mobile app.
Deposit InsuranceFDIC Insured(Cert: 3017)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.21%APY

Checking0.51%APY

Go to Axos Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	0
Min. Balance in Savings Account	0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

EASY TRANSFERS, LOW MINIMUMS

SponsoredVerified Aug 19, 2026

FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

FDIC Insured

Savings3.20%APY

Go to Quontic Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	10000
Min. Balance in Savings Account	0
Mobile Ratings	iOS:4.8 Android:4.9

Savings Account: In-Depth View

Savings Account Offered by High Plains Bank

Feature	High Yield Savings Account
APY	3.82%Range: 0.23% - 3.82%Verified: 8/21/2026
APY Trend	StableNo rate changes in last 7 days
Min. Deposit	$25
Min. Balance	$0.01
Monthly Fee	$0
Direct Deposit	None
Checking Bundle	No
In-Branch Access	Yes
Compounding	unknown
FDIC Insured	Yes
Eligibility	United States
Next Steps	-

Interactive Tool

Calculate Savings for High Plains Bank

All calculations are based on APY.

Selected product

High Yield Savings Account0.23% - 3.82% APY

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$1,494.10(9.6%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$15,494.10

Effective APY

3.82%

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

Last 12 Months

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	361
High (-12m)	3.82%
Low (-12m)	3.82%
Draw-down	0.0%
Volatility (CV)	0.000

How to read these metrics▼

Trends & Velocity

Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
Slope (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
Rate Changes / Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

High/Low: The absolute ceiling and floor of the rate during the 363-day window.
Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Why track this? Understanding volatility helps you avoid "bait-and-switch" rates. A steady, rising slope is ideal; high volatility often signals a temporary teaser rate.

Compare with High Plains Bank

Feature	Current View High Plains Bank	Empty Slot
Product	High Yield Savings Account	-
APY	0.23% - 3.82%Verified: 8/21/2026	-
APY Trend	StableNo rate changes in last 7 days	-
Min. Deposit	$25	N/A
Monthly Fee	$0	-
Direct Deposit	No	-
Checking Bundle	No	-
In-Branch Access	Yes	-
Eligibility	United States	-
Compounding	unknown	-
FDIC or NCUA Insured	Yes	-
Next Steps	-	-

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