High Plains Bank
Last Updated: 6/20/2025
Note: Interest rates below are reported as APY, or Annual Percentage YieldQuick Views
High Yield Savings Account: 0.23% - 3.82% APY(Rank 58 out of 74 tracked HYSAs)
Minimum Deposit: $25
National Savings Interest Rate: 0.42% (as of 5/19/2025)
Note: The FDIC tracks savings and CD rates nationally, but it does not report APY, only the average interest rate.
(Source: FDIC)Bank Overview
BBB Rating: Not Rated
App Store Rating: 4.9/5
Google Play Rating: 4.8/5
Website: Visit High Plains Bank
Our Take on High Plains Bank
Highlights
- Current APY of 3.82%, unchanged from 30 days ago.
- No maintenance fees for the High Yield Savings Account.
- Minimum deposit requirement is only $25.
- High App Store rating of 4.9 and Google Play rating of 4.8.
Considerations
- Requires a high minimum balance of $500,000 for the High Yield Savings Account.
- Not rated by the Better Business Bureau.
- No branches available for in-person banking.
- Direct deposit is not required but may limit some users.
Summary: High Plains Bank offers a competitive APY of 3.82% on its High Yield Savings Account, with no maintenance fees and a low minimum deposit of $25. However, the account requires a substantial minimum balance of $500,000, which may not be accessible for all savers. The bank lacks BBB accreditation and physical branches, which may deter some customers. Its high app ratings indicate positive user experiences.
Savings Account
Savings Account Offered by High Plains Bank
| Feature | High Yield Savings Account |
|---|---|
| APY | 0.23% - 3.82% (as of 6/20/2025) |
| APY Trend | Stable for the last month |
| 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 |
No deposit agreement summary available for this bank. | |
Calculate Savings for High Plains Bank
All calculations are based on APY.
High Yield Savings Account (APY: 0.23% ⎼ 3.82%)
⚠️ The minimum balance for the higher APY on this account is $500,000.
Deposit Frequency:
Total savings breakdown:
- Interest earned: $0 (0.00%)
- Total contributions: $0 (0.00%)
- Initial deposit: $100 (100.00%)
Your total balance
$100.00
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 | 94 |
| High (-3 m) | 3.82 % |
| Low (-3 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 3 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 (-3 m)
- Highest APY in the last 94 days.
- Low (-3 m)
- Lowest APY in the last 94 days.
- Draw-down from High
- How far today sits below the 3-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
- Affirm - 3.85% APY
- All America Bank - 1.50-3.25% APY
- Ally Bank - 3.50% APY
- Amalgamated Bank - 2.25% APY
- American Express - 3.60% APY
- Axos Bank - 4.66% APY
- Bank5 Connect - 4.05% APY
- Bank of America - 0.01% APY
- Barclays - 3.90-4.10% APY
- Bask Bank - 4.20% APY
- Betterment - 4.00% APY
- BMO Alto - 3.60% APY
- Bread Savings - 4.30% APY
- BrioDirect - 4.30% APY
- Capital One - 3.60% APY
- Carver Bank - 4.00% APY
- Charles Schwab Bank - 0.15% APY
- Chase Bank - 0.01% APY
- Chime - 1.25-3.75% APY
- CIBC Bank USA - 4.11% APY
- CIT Bank - 0.25-4.00% APY
- Citibank - 3.60% APY
- Citizens Access™ - 3.70% APY
- Colorado Federal Savings Bank - 4.25% APY
- ConnectOne Bank - 4.00% APY
- Customers Bank - 4.23% APY
- Discover Bank - 3.60% APY
- E*TRADE from Morgan Stanley - 4.00% APY
- EverBank - 4.30% APY
- Evergreen Bank Group - 4.25% APY
- First Foundation Bank - 4.25% APY
- Fitness Bank - 5.00% APY
- Flagstar Bank - 4.00% APY
- Forbright Bank - 4.25% APY
- FVCbank - 4.35% APY
- Jenius Bank - 4.20% APY
- LendingClub - 3.40-4.40% APY
- Live Oak Bank - 4.10% APY
- Marcus by Goldman Sachs - 3.65% APY
- My Banking Direct - 4.30% APY
- MySavingsDirect - 3.75% APY
- Neighbors Bank - 4.60% APY
- Newtek Bank - 4.35% APY
- OMB Bank - 1.00% APY
- Openbank - 4.30% APY
- Peak Bank - 4.44% APY
- Pibank - 4.60% APY
- PNC - 3.95% APY
- Poppy Bank - 4.25% APY
- Popular Direct - 4.05% APY
- Presidential Bank - 4.00-4.50% APY
- Prime Alliance Bank - 4.05% APY
- Primis Bank - 4.35% APY
- Quontic Bank - 3.85% APY
- RBMAX - 4.15% APY
- Rising Bank - 4.30% APY
- ROGER - 4.65% APY
- Salem Five Direct - 4.01% APY
- Sallie Mae Bank - 3.90% APY
- Santander Bank - 0.03% APY
- SoFi Bank - 3.80% APY
- Synchrony Bank - 3.80% APY
- TAB Bank - 4.26% APY
- TD Bank - 0.05-3.00% APY
- The State Exchange Bank - 1.90% APY
- TIMBR - 4.40% APY
- UFB Direct - 4.01-4.21% APY
- Upgrade - 4.02% APY
- Valley Direct - 4.20% APY
- Varo Bank - 2.50-5.00% APY
- Western Alliance Bank - 4.30% APY
- Zynlo Bank - 4.35% APY
| Feature | High Plains Bank | Select a bank... |
|---|---|---|
| Product | High Yield Savings Account | N/A |
| APY | 0.23% - 3.82% (as of 6/20/2025) | 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 |