DEPOSIT RATES

Listed below are our current interest rates on deposit accounts. For loan interest rates, please call
(307) 265-2740 to speak with a Hilltop New Accounts Specialist.

These are our current rates and are subject to change at anytime without notice.
Rates updated May 1, 2019.

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TIME DEPOSIT INTEREST RATES

Time Deposit Interest Rates
Maturity Balance
Under $10,000 $10,000 to $49,000 $50,000 +
Rate APY Rate APY Rate APY
31 days N/A N/A 0.10% 0.10% 0.10% 0.10%
60 days N/A N/A N/A N/A 0.10% 0.10%
91 days 0.40% 0.40% 0.40% 0.40% 0.50% 0.50%
182 days 0.50% 0.50% 0.50% 0.50% 0.60% 0.60%
12 months 0.80% 0.80% 0.80% 0.80% 0.90% 0.90%
18 months 1.00% 1.00% 1.00% 1.00% 1.10% 1.11%
24 months 1.25% 1.26% 1.25% 1.26% 1.35% 1.36%
30 months 1.30% 1.31% 1.30% 1.31% 1.40% 1.41%
48 months 1.65% 1.66% 1.65% 1.66% 1.75% 1.76%
60 months** 1.80% 1.81% 1.80% 1.81% 1.90% 1.91%
72 months 2.00% 2.02% 2.00% 2.02% 2.10% 2.12%

SAVINGS ACCOUNT INTEREST RATES

Savings Account Interest Rates
Product Balance Interest Rate APY
Money Market Savings/
Looney Tunes Savings
up to $999.99
$1,000-$9,999.99
$10,000-$49,999.99
$50,000 and up
0.10%
0.25%
0.30%
0.35%
0.10%
0.25%
0.30%
0.35%
Health Savings Account
(HSA)
$100 minimum to open 0.10% 0.10%

SNAPSHOT INTEREST RATES

Snapshot Interest Rates
Product Balance Interest Rate APY
Premier Snapshot Checking up to $999.99
over $1,000
0.05%
0.10%
0.05%
0.10%
Freedom 50 Checking up to $999.99
over $1,000
0.05%
0.10%
0.05%
0.10%
Snapshot Low Activity up to $999.99
over $1,000
0.05%
0.10%
0.05%
0.10%
Analysis Checking up to $999.99
over $1,000
0.05%
0.10%
0.05%
0.10%

IRA TIME DEPOSITS & HEALTH SAVINGS ACCOUNT RATES

IRA Time Deposits & Health Savings Account Rates
Product Minimum Opening Deposit Interest Rate APY
91-day $1,000.00 0.40% 0.40%
182-day $1,000.00 0.50% 0.50%
12-month rate $1,000.00 0.80% 0.80%
18-month rate $1,000.00 1.00% 1.00%
30-month rate $1,000.00 1.30% 1.31%
48-month rate $1,000.00 1.65% 1.66%
18-month variable rate $1,000.00 2.395% 2.395%
Savings & HSA rates $100.00 0.10% 0.10%

Rate

This indicates the rate of interest that we will pay annually without the effects of compounding.

APY

This indicates the Annual Percentage Yield of the associated deposit product, which reflects the effect of compounding interest and is the required basis for comparison between products and institutions. Time Deposit APY presented here for terms of less than 12 months assumes that interest will not be compounded and interest will be credited to your account at maturity. Time Deposit APY presented here for terms of 12 months and longer assumes that interest will be compounded quarterly and credited to your account quarterly. Time Deposit Interest Rate and APY will not change for the term of the account. APY may vary from that listed here if you choose a different interest payment method. Penalty imposed for early withdrawal.

Checking and Savings account APYs presented here assume interest will be compounded monthly and credited to your account monthly. Checking and Savings are variable rate accounts and interest rates may change at our discretion. Fees could reduce earnings.

Complete information and disclosures will be provided when you open your account or you may request them by mail, by calling (307) 265-2740, or by contacting the Hilltop Client Relationship Management Department by clicking the button below.

The interest rate and Annual Percentage Yield may change after account opening. Fees could reduce the earnings on the account. *A penalty may be imposed for early withdrawal.

*60 month CD option to bump rate one time without changing maturity. See CD for more information