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Savings that really add up.
Whatever you’re saving for, a dream vacation, college tuition, retirement or simply everyday expenses and future goals, we offer several options to help you meet your savings goals. Open a savings account in person at one of our branches, or conveniently
online. Call toll free for current interest rate quotes.
1-800-641-5401 or
contact us, through our website.
Personal Savings
Realize your savings goals with a personal account that offers a competitive interest rate on your balance.
Money Market Accounts
Looking for more from your savings? Get more with a money market account.
Certificates of Deposit
Accounts available with competitive interest rates and a variety of terms to meet your needs.
Health Savings Account
Enables you to pay for qualified current health expenses and save for future medical expenses.
Savings Account Comparison
| Account |
+ |
Opening Deposit |
Minimum Balance to Avoid Service Charges |
Monthly Service Charge |
Unlimited Check Writing |
Interest Bearing |
| Personal Savings Account |
Personal Savings Details |
$0 |
$100 |
$2 if balance falls below $100
(Does not apply to minor account holders) |
No |
Yes |
| Money Market Account |
Money Market Details |
$0 |
$2,500 |
$10 if balance falls below $2,500 |
No |
Yes |
| Certificates of Deposit |
CD Details |
$500 |
$0 |
$0 |
No |
Yes |
| Health Savings Account |
HSA Details |
$0 |
$0 |
$0 |
Yes |
Yes |
Account Details
Personal Savings Account
- No minimum opening deposit
- Only $2 monthly service charge if minimum balance falls below $100
- Enjoy unlimited deposits, in-lobby withdrawals and ATM access
- Withdrawals made by electronic transfer or check are limited to 6 per month
- Your personal savings account may be insured by the FDIC
- Have a friend or family member under the age of 18? We offer a FREE savings account for them as well.
- Link your personal savings account to your checking account to cover your overdrafts. We'll transfer from your designated personal savings account to avoid any overdraft fees for only $2 per transfer. Sweeps from savings accounts to cover an overdraft are included in the 6 transactions per month.
- Interest rates may change after opening of account
- Fees may reduce earnings on individual accounts
- Fee Schedule
Money Market Account
- No minimum opening deposit
- Only $10 monthly service charge if minimum balance falls below $2,500 during your statement cycle
- Enjoy unlimited deposits, in-lobby withdrawals and ATM access
- Withdrawals made by electronic transfer or check are limited to 6 per month
- Your money market savings account may be insured by the FDIC
- Earn a higher return from larger balances with tiered interest rates
- Interest rates may change after opening of account
- Fees may reduce earnings
- Fee Schedule
Certificates of Deposit
- $500 minimum opening deposit
- Your Certificate of Deposit may be insured by the FDIC. See our FDIC Notice for details
- Earn a higher return for larger balances
- Interest rates may change after renewal
- Penalties may apply for early closure
- Fee Schedule
Health Savings Account
- No minimum opening deposit
- No minimum balance
- No service charges
- Variable interest rate account that earns competitive interest
- Free VISA Debit Card
- Available with a qualifying High Deductible Health Plan (HDHP) – please consult a High Deductible Health Plan provider regarding eligibility and contribution/distribution requirements.
- Unused funds are retained and not forfeited at year-end as with some flexible spending accounts
- Fee Schedule
Mountain West Bank pays highly competitive interest rates on CDs and deposits that are insured to at least $250,000 by the FDIC.
We proudly serve the communities of Coeur d Alene, Post Falls, Hayden, Ponderay, Sandpoint, Bonners Ferry, Boise, Meridian, Nampa, Eagle, Ketchum, & Hailey, Idaho.
