Personal Account Rates

Checking and Savings Accounts

General information on all checking and savings accounts.

The interest rates and Annual Percentage Yield (APY) are effective from Wednesday or the first business day of the month to the following Tuesday or first business day of the month. The interest rate and APY may change after the account is opened, every Wednesday, and on the first business day of each month. Fees can reduce earnings on the account. This serves as a general disclosure for all checking and savings accounts.

Please select your state to see the appropriate rates.

Checking Account Rates

Money Market Checking

$500 minimum balance to earn interest.
There is a $7 service charge per month when the account balance falls below $500.

Learn more about the Money Market Checking Account.

55-Plus Checking

$500 minimum balance to earn interest.
No service charges.

Learn more about the 55-Plus Checking Account.

Premier Checking

$2,500 minimum balance to earn interest.
There's a $20 monthly service charge that will be automatically waived for the first 60 days of account opening. (Refer to 'Learn more' for options to waive the monthly service charge after the first 60 days).

Learn more about the Premier Checking Account.

Savings Account Rates

Regular Savings

$100 minimum balance.
There is a $5 service charge per quarter when the balance falls below $100.
Children under 18 years of age are exempt from the service charge.

Learn more about the Regular Savings Account.

Money Market Savings

$1,000 minimum balance.
There is a $10 service charge per month when the account balance falls below $1,000.

Learn more about the Money Market Savings Account.

Liquid Asset Account

$20,000 minimum balance.
There is a $20 service charge per month when the account balance falls below $20,000.

Learn more about the Liquid Asset Account Account.

Bloom Savings Account

No minimum balance.
The customer must maintain the following components to receive these benefits - Bloom Checking, Bloom Savings, Online Banking, eStatements, and Visa Debit Card.
Limited check writing privileges.
Additional Bloom package components may have fees.

Learn more about the Bloom Package.

Smart Choice College Savings Plan

College Savings Accounts (CSAs) are available in two account types, Money Market Savings Account and 1-Year Time Savings Account.
College Savings Accounts are FDIC insured.
Withdrawals made before maturity are subject to an early withdrawal penalty for the 1-Year Time Savings Account.

Learn more about the College Savings Account.

Money Market Savings Rates

Open a Money Market Savings Account

1-Year Time Savings Rates

Open a 1-Year Time Account

Individual Retirement Accounts (IRAs)

Any savings account can be used as an Individual Retirement Account (IRA). Individual Retirement Accounts are exempt from the service charges mentioned for each account and will not have check writing privileges. Special rate tiers exist for Individual Retirement Accounts set up as Money Market Savings Accounts.

Learn more about Individual Retirement Accounts.

IRA Money Market Savings Rates

Find a Location

Time Deposit Account Rates

General Information On All Time Accounts

The interest rates and Annual Percentage Yield (APY) are effective from Wednesday or the first business day of the month to the following Tuesday or first business day of the month. Interest earned can be credited to the account or transferred monthly or quarterly to another FirstBank account, or paid by check if desired. If the customer does not select a specific interest payment option, the interest will be credited to the account quarterly except in all cases of the 91 day and 182 day accounts, which will be paid at maturity. On Time Savings, Time Deposits, and Premier Time accounts, a reminder notice is sent ten days prior to maturity for your convenience. Accounts are automatically renewed at maturity under the terms and rates currently in effect for the type of account renewing, unless the bank is otherwise notified. You may borrow against Time Savings, Time Deposit, and Premier Time accounts at favorable rates. There is a substantial interest penalty for early withdrawal from Time Savings, Time Deposits, and Premier Time accounts.

Fees can reduce the earnings on the account. A penalty will be imposed for early withdrawal. This serves as a general disclosure for all time accounts. For current rate information at any time, please call FirstBank's 24-Hour Telephone Banking at 1-800-964-3444.

Time Savings Account

The interest rate and APY may change after the account is opened, every Wednesday, and on the first business day of each month.
Multiple deposits may be made with no minimum deposit required. Additional deposits during the term do not change the maturity of an account.
$100 minimum balance.
There is a $5 service charge per term when the balance falls below $100 on the 91 Day Savings Account. The service charge is $5 per quarter when the balance falls below $100 on the One Year Savings Account and on the Two Year Savings Account.
Children under 18 years of age are exempt from these service charges.

Learn more about the Time Savings Account.

Premier Time Account

The interest rate and APY offered for new accounts may change every Wednesday and on the first business day of each month.
The interest rate is fixed for the term of the account.
A minimum balance of $10,000 is required. If the balance of the account falls below $10,000, the rate paid on the account will be the Regular Savings rate.
Single deposits only.

Learn more about the Premier Time Account.

Time Deposit Account

The interest rate and APY offered for new accounts may change every Wednesday and on the first business day of each month.
The interest rate is fixed for the term of the account.
Minimum deposit is $500.
Single deposits only.

Learn more about the Time Deposit Account.

Disclosures

These rates apply only to Colorado accounts. You must have a physical address in Colorado to receive Colorado rates.

FirstBank Personal Account Rates