When looking for a secure way to build your financial future, CDs and IRAs are a smart choice. 

Certificate of Deposits (CDs)

CDs are a great savings tool that are federally-insured and offer investment stability against fluctuations in value compared to more volatile assets, such as stocks, mutual funds, or bonds. 

High Country Bank offers Certificate of Deposits ranging from 91 days to 5 years. All certificates have a $500.00 minimum balance requirement to open the account and obtain the Annual Percentage Yield.

Individual Retirement Account (IRAs)
Choosing if a Traditional or Roth IRA is best for you is a decision that should be made only after looking at all of the options and deciding which IRA will provide the greatest benefit for your lifestyle. High Country Bank offers a variety of IRA terms to help build your future. It is always best to consult with your tax professional; the information provided is not tax advice.





You prefer your money to grow tax-deferred until you withdraw it in retirement. In some cases, contributions are tax deductible in the year they are made.

You’re interested in both tax-free growth and withdrawals.


Roth IRA contributions are not tax-deductible.



Anyone under the age of 70 ½ with taxable compensation.

Any age with taxable compensation.



For 2015:


$5,500 if under 50

$6,500 if age 50 or older


Income limits do not apply for traditional IRAs.

For 2015:


$5,500 if under 50

$6,500 if age 50 or older


In 2015: For single filers with income of less than $131,000 and joint filers with income of less than $183,000



You do not pay taxes until you take a distribution.

Tax Free when you take distributions.