High Plains Bank: Savings Accounts & Rates

Savings rates updated: 10/1/2025

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

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

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Savings Overview

High Yield Savings Account: 0.23% - 3.82% APY(Rank 56 out of 83 tracked HYSAs)

Minimum Deposit: $25

National Savings Interest Rate: 0.4% (as of 9/15/2025)

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

Deposit Insurance: FDIC Cert # 3017

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 is 3.82%, stable over the past 30 days.
No maintenance fees for the High Yield Savings Account.
Minimum deposit requirement is only $25.
High app rating of 4.9 on App Store.

Considerations

Requires a minimum balance of $500,000 to avoid lower APY.
Not rated by BBB, indicating potential trust issues.
No branches available for in-person banking.
Direct deposit not required, but may limit some users.

Summary: High Plains Bank offers a competitive High Yield Savings Account with a stable APY of 3.82%. The account has a low minimum deposit of $25 and no maintenance fees, but requires a high minimum balance of $500,000 to maintain the APY. The bank lacks BBB rating and has no physical branches, which may deter some customers. However, it boasts high app ratings, reflecting good customer satisfaction.

Savings Account: In-Depth View

Savings Account Offered by High Plains Bank

Feature	High Yield Savings Account
APY	0.23% - 3.82% (as of 10/1/2025)
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	194
High (-6 m)	3.82 %
Low (-6 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 6 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 (-6 m): Highest APY in the last 195 days.
Low (-6 m): Lowest APY in the last 195 days.
Draw-down from High: How far today sits below the 6-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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Feature	High Plains Bank	Select a bank...
Product	High Yield Savings Account	N/A
APY	0.23% - 3.82% (as of 10/1/2025)	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