Personal Savings Accounts

Saving is an important part of building a strong and secure financial future. Whether you're saving for a vacation, your child's education, or just a rainy day, Vectra Bank Colorado is sure to have the savings account that fits you best. Our personal savings accounts include:

• The Ultimate CD
• Platinum Certificates of Deposit
• Platinum Money Market
• Platinum Savings - New!
• Money Market
• Premier Money Market Sweep Account
• Savings
• Youth Savings
• Certificates of Deposit
• Individual Retirement Accounts (IRAs)

For personal account terms and fees for other services, click here for English, and click here for Spanish.
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Below are some online savings calculators to see how much you can save over time, how much you need to save for your children's college and so much more. To view all of Vectra's online financial calculators, click here.

THE ULTIMATE CD
Now you can get the flexibility and convenience of a money market account combined with the higher rates of a certificate of deposit. You can take advantage of the no-fee quarterly withdrawal, add funds at anytime, and earn competitive rates. Plus, there are no maturity dates or fixed rates to lock you into a lower yield.

Exclusively for our Platinum Customers, we offer specialized savings accounts, money market accounts, and certificates of deposits - each a powerful tool for building your nest egg.

Platinum Certificates of Deposit
A premium rate on certificates of deposit for our premium customers! Lock in your premium interest rate for the specific period of time you want. Your funds can be used as collateral for a loan as well.

Platinum Money Market
Exclusively for our Platinum Customers, we have a special high-yield money market account that pays premium interest rates on balances of $5,000 or more.

Platinum Savings
As one of Vectra Bank’s Platinum Customers, you are qualified to receive premium rates on balances of $1,000 or more.

Other Savings Products

MONEY MARKET
Perfect for those who want a higher market rate while retaining liquidity. Tiered variable interest rate on daily balance during the statement period. $1,000 minimum daily balance to earn stated annual percentage yield. No maintenance fee with minimum daily balance of $2,000 or more.

PREMIER MONEY MARKET SWEEP
Maintain liquidity and easily put your high balances to work for you. Automatically "sweep" excess balances from any linked checking account into this high yield money market. Funds can also be transferred back into the checking account to maintain needed balances and cover account activity. Tiered variable interest rate on daily collected balance during the statement period and no maintenance fee with minimum daily balance of $25,000 or more.

SAVINGS
Paying competitive tiered rates and offering easy access to your money, this account is an excellent choice to form the basis of a savings program. Minimum daily balance of $200 or more needed to earn stated annual percentage yield and avoid maintenance fees.

YOUTH SAVINGS
A perfect way to build your children’s savings habits! No minimum daily balance to earn stated annual percentage yield and no minimum daily balance required to avoid periodic maintenance fees.

CERTIFICATES OF DEPOSIT
Diversify your portfolio with a Certificate of Deposit. Vectra Bank offers a guaranteed interest rate and the flexibility to choose a term that fits your investment needs. If you have at least $1,000 to deposit and don't need access to it right away, a fixed rate Certificate of Deposit is a great choice.

INDIVIDUAL RETIREMENT ACCOUNT (IRAS)
An IRA is one of the best ways to save for your future while deferring tax liability. Vectra Bank Colorado offers two great choices: the IRA Certificate of Deposit and the Market Rate IRA. The best one for you will depend on how much money you have to open the account, how often you wish to make deposits and when you'll need to withdraw the money.

Note: Terms may be altered at any time.

From balancing a checkbook to making an annual budget, managing your money can be one of the hardest things to do. The articles below will give you some insight into banks and their services, how banks work, and the importance of making a budget.

Loans, Checks and Savings
Discusses the variety of products offered by banks and the differences between these products.

"Dear Susan"
To help you with your financial troubles, moneymanagement.org has compiled questions and answers to common money problems.

"Creating a Spending Plan"
A six step plan for managing your spending.

"Basic Building Blocks of Successful Financial Management"
Unit 1 of an 11-unit basic investing study course. Divides personal finance into building blocks of a pyramid and explores each.

Calculators to help you in your planning - click to see others

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