CDs & IRAs

Certificates of Deposit & Individual Retirement Account

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

Certificates of Deposit (CDs)

Certificates of Deposit 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 Certificates of Deposit ranging from 6 months 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 2023:

$6,500 if under 50

$7,500 if age 50 or older

For 2023:

$6,500 if under 50

$7,500 if age 50 or older


You do not pay taxes until you take a distribution.

Tax Free when you take distributions.