What are the current interest rates at High Plains Bank Flagler, CO?

Current rates for High Plains Bank Flagler, CO include: 12-Month CD: 3.35%, 24-Month CD: 2.75%, 36-Month CD: 2.73%, Savings: 3.82%

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High Plains Bank Flagler, CO

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High Plains Bank Flagler, CO Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, High Plains Bank Flagler, CO provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

High Plains Bank Flagler, CO's top rates as of October 14, 2026 are 3.70% APY on its Higher Yield CDs - 3-Month CD, and 3.82% APY on savings, according to rates verified by MonitorBankRates. Other High Plains Bank Flagler, CO CD rates include Higher Yield CDs - 6-Month CD at 3.50%, Higher Yield CDs - 1 Year CD at 3.35%, and Higher Yield CDs - 2 Year CD at 2.75%. MonitorBankRates evaluates the financial stability of High Plains Bank Flagler, CO with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.77%. Rates last updated and verified on 10/14/2026.

High Plains Bank Flagler, CO money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at High Plains Bank Flagler, CO? Share your experience about High Plains Bank Flagler, CO by leaving a review below, or read customer reviews before you decide to use High Plains Bank Flagler, CO.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.77%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

High Plains Bank

329 Main Ave
Flagler, CO 80815

https://www.highplainsbank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

High Plains Bank Flagler, CO CD Rates

Product	Rate	APY	Term
Higher Yield CDs - 3 Month CD	3.63%	3.70%	3 Month
Min Deposit $250 Min Balance $250 Details Penalty may be imposed for early withdrawal. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
Higher Yield CDs - 6 Month CD	3.44%	3.50%	6 Month
Min Deposit $250 Min Balance $250 Details Penalty may be imposed for early withdrawal. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
Higher Yield CDs - 1 Year CD	3.30%	3.35%	1 Year
Min Deposit $250 Min Balance $250 Details Penalty may be imposed for early withdrawal. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
Higher Yield CDs - 2 Year CD	2.71%	2.75%	2 Year
Min Deposit $250 Min Balance $250 Details Penalty may be imposed for early withdrawal. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
Higher Yield CDs - 3 Year CD	2.69%	2.73%	3 Year
Min Deposit $250 Min Balance $250 Details Penalty may be imposed for early withdrawal. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.73% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%

High Plains Bank Flagler, CO Savings Rates

Product	Rate	APY
High Yield Savings	3.75%	3.82%
Min Deposit $25 Min Balance $500,000 Details Balance: $500,000 and up; The interest rate and the APY may change after account opening. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.82% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
High Yield Savings	2.50%	2.53%
Min Deposit $25 Min Balance $250,000 Details Balance: $250,000 - $499,999.99; The interest rate and the APY may change after account opening. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.53% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
High Yield Savings	1.35%	1.36%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; The interest rate and the APY may change after account opening. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.36% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
High Yield Savings	0.90%	0.90%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; The interest rate and the APY may change after account opening. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
Health Savings Account (HSA)	0.50%	0.50%
Min Deposit $25 Min Balance $0 Details The interest rate and the APY may change after account opening. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
High Yield Savings	0.45%	0.45%
Min Deposit $25 Min Balance $5,000 Details Balance: $5,000 - $49,999.99; The interest rate and the APY may change after account opening. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%
High Yield Savings	0.23%	0.23%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 - $4,999.99; The interest rate and the APY may change after account opening. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.23% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.77%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

High Plains Bank Flagler, CO’s Texas Ratio rose from 3.99% in Q3 2023 to 5.77% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$643M	5.77%	5.0	A+
March 31, 2026	$461M	4.22%	5.0	A+
December 31, 2025	$441M	3.86%	5.0	A+
September 30, 2025	$446M	21.30%	4.5	B
June 30, 2025	$429M	18.82%	4.7	B+
March 31, 2025	$415M	19.39%	4.6	B
December 31, 2024	$411M	2.54%	5.0	A+
September 30, 2024	$402M	2.28%	5.0	A+
June 30, 2024	$388M	1.80%	5.0	A+
March 31, 2024	$390M	1.36%	5.0	A+
December 31, 2023	$385M	1.39%	5.0	A+
September 30, 2023	$389M	3.99%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for High Plains Bank Flagler, CO is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather High Plains Bank Flagler, CO rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with High Plains Bank Flagler, CO's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name High Plains Bank Flagler, CO

Website https://www.highplainsbank.com

Address 329 Main Ave, Flagler, CO 80815 · Kit Carson

Bank Holding Company HIGH PLAINS BANKING GROUP INC

FDIC Certificate # 3017

Regulator FED

Established January 1, 1908

FDIC Insurance Date January 1, 1934

Domestic Offices 9

Total Branches 9

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.77%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

2.2193%

Return on Equity (ROE)

22.5700%

Non-Performing Loans Ratio (NPL)

0.51%

Total Assets

$643,130,000

Total Deposits

$567,020,000

Equity Capital

$65,078,000

Net Income

$5,715,000

Headquarters

Flagler

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

Q2 2026 MBR Health & Safety Badge

High Plains Bank Flagler, CO earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About High Plains Bank Flagler, CO

How many branches does High Plains Bank Flagler, CO operate?

High Plains Bank Flagler, CO currently maintains approximately 9 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, High Plains Bank Flagler, CO does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, High Plains Bank Flagler, CO provides members with tools to manage their accounts and build a solid financial history.

Does High Plains Bank Flagler, CO offer online and mobile banking?

Most modern institutions like High Plains Bank Flagler, CO provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.highplainsbank.com.