High Plains Bank
Last Updated: 7/1/2025
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 76 tracked HYSAs)
Minimum Deposit: $25
National Savings Interest Rate: 0.38% (as of 6/16/2025)
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
- High Yield Savings Account offers 3.82% APY with no maintenance fees.
- Minimum deposit requirement is only $25.
- App Store rating is 4.9 and Google Play rating is 4.8.
Considerations
- BBB rating is Not Rated, indicating potential trust issues.
- Minimum balance requirement of $500,000 for the best rate.
- No direct deposit requirement may limit some account features.
Summary: High Plains Bank offers a competitive 3.82% APY on its High Yield Savings Account, with a low minimum deposit of $25 and no maintenance fees. However, the account requires a substantial minimum balance of $500,000 to maintain the high APY, and the bank is not rated by the BBB, which may raise concerns for some savers. Additionally, the lack of a direct deposit requirement could limit certain account functionalities.
Savings Account
Savings Account Offered by High Plains Bank
| Feature | High Yield Savings Account |
|---|---|
| APY | 0.23% - 3.82% (as of 7/1/2025) |
| 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 | 102 |
| 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 103 days.
- Low (-3 m)
- Lowest APY in the last 103 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
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- Synchrony Bank - 3.80% APY
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- TD Bank - 0.05-3.00% APY
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- Varo Bank - 2.50-5.00% APY
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| Feature | High Plains Bank | Select a bank... |
|---|---|---|
| Product | High Yield Savings Account | N/A |
| APY | 0.23% - 3.82% (as of 7/1/2025) | 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 |