Savings, Money Markets and Certificates of Deposit

Bank of the San Juans pays competitive interest rates on a variety of investment products and are insured up to $250,000 by the FDIC. Call us or contact us to get our current rates and terms.

Account Type Minimum to Open Monthly Service Charge
Savings
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$0 No monthly service charge with a $100 minimum balance ($2 charge if balance falls below minimum any day of the month.)

Savings

  • Competitive interest rates
  • No monthly service charge with a $100 minimum balance ($2 charge if balance falls below minimum any day of the month)
  • 6 withdrawals allowed per calendar month ($1 per item in excess of 6)
Money Market
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$0 No monthly service charge with a $2,500 minimum balance ($10 charge if balance falls below minimum any day of the monthly statement cycle)

Money Market 

  • Competitive interest rates
  • No monthly service charge with a $2,500 minimum balance ($10 charge if balance falls below minimum any day of the statement cycle)
  • 6 withdrawals allowed per calendar month ($1 per item in excess of 6)
Certificate of Deposit
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$0 None

 Certificate of Deposit

  • Competitive interest rates
  • A variety of terms to meet your needs
  • No setup or annual fees
  • $500 minimum balance
IRA Certificate of Deposit*
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$0 None

IRA Certificate of Deposit* 

  • Competitive interest rates
  • A variety of terms to meet your needs
  • No setup or annual fees
  • Traditional or Roth IRA Plans available
  • $500 minimum balance

*Please consult a tax advisor for eligibility

Savings IRA*
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$0 None

Savings IRA* 

  • Competitive interest rates
  • No setup or annual fees
  • Qualified contributions may be made at any time
  • Traditional and Roth IRA Plans available
  • $50 minimum balance

*Please consult a tax advisor for eligibility

Health Savings Account (HSA)*
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$0 None

Health Savings Account (HSA)*

  • Competitive interest rates
  • Free VISA Debit Card
  • No monthly service charge
  • Account available with a qualifying High Deductible Health Plan (HDHP)
  • Enables you to pay for qualified current health expenses and save for future medical and retiree health expenses
  • Unused funds are not forfeited at year end

*Please consult an HDHP (High Deductible Health Plan) provider for eligibility and contribution/distribution requirements.

*Please consult a tax advisor and/or HDHP (High Deductible Health Plan) provider for eligibility and contribution/distribution requirements.

Other fees, such as overdraft, returned item, continuous overdraft, dormant fees, etc. my apply. See fee schedule for details.
 
Fees could reduce earnings on accounts.
 
Interest may change on account after opening.