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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$50 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 or transfers allowed from your account per statement cycle made by check, debit card, online banking or automatic transfer. (Additional excess withdrawal transactions are $1 each.)
Money Market
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$50 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 or transfers allowed from your account per statement cycle made by check, debit card, online banking or automatic transfer. (Additional excess withdrawal transactions are $1 each.)
Certificate of Deposit
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$500 None

 Certificate of Deposit

  • Competitive interest rates
  • A variety of terms to meet your needs
  • No setup or annual fees
  • $500 minimum balance
Individual Retirement Account (IRA)*
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$50 for Saving IRA, $500 for Term CD IRA None

IRA Certificate of Deposit* 

  • Competitive interest rates
  • A variety of terms to meet your needs
  • No setup or annual fees
  • Qualified contributions may be made at any time
  • Minimum opening balance required: $50 for Savings IRA and $500 for Term CD IRA

*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.