Rates & Fees
Alpine Gold takes a member-centric approach to our rates and fees, ensuring that they are competitive within the precious metals market. Our fee structure is designed to prioritize the needs of our members while maintaining the sustainability of our business operations.
We focus on transparency and clarity, providing members with insights into associated costs without hidden fees, which is often a concern with other dealers. Our payments settle the next day, and we operate on a next-day pricing model, allowing members to take advantage of timely market conditions. By offering unique features such as interest-earning lease programs and waiving vaulting fees for leased metals, we aim to enhance the value of our members' investments.
Vaulting Fees
Member fees are assessed to cover the cost of vaulting and insurance. These fees apply to both spending and saving accounts.
| 0 - 500 Gold Dollars | 0.05% per month |
| 500 Gold Dollars and up | 0.02% per month |
| Gold Bullion | 0.02% per month |
| Silver Dollars | 0.05% per month |
| Silver Bullion | 0.05% per month |
Fees are denominated in precious metals, so the U.S. dollar equivalent may vary. See the examples below for typical fee comparisons.
| Account Total | Monthly Fee |
|---|---|
| Gold | |
| $1,000 Vaulted Account | $0.50 |
| $10,000 Vaulted Account | $5.00 |
| $100,000 Vaulted Account | $30.50 |
| Silver | |
| $1,000 Vaulted Account | $0.50 |
| $10,000 Vaulted Account | $5.00 |
| $100,000 Vaulted Account | $50.00 |
| Any Leased Balance | $0.00FREE |
Miscellaneous Fees
These are various service fees to support secure transactions, account services, and optional conveniences. All fees are deducted from the member's metal holdings unless otherwise stated.
Category
Fee
This is waived if:
- 1,000+ Gold Dollars are vaulted (Equivalent value in Silver/Goldbacks)
or - Account grows by $1,000+ USD/month
Additional Service Fees
Special Requests: Signature delivery, overnight delivery, requests for specific years of Goldbacks (2 years+ before the current issue), or Coins, etc., can incur additional charges.
Rewards Rate on Liquidations
Sell back vaulted Gold Dollars, Goldbacks, and Silver Dollars at 0% spread by applying points from your Deposit Rewards balance.
- How the balance builds: Qualifying fiat and metal deposits (When Gold Dollars, Silver Dollars, and Goldbacks are deposited into the spending account). Your Rewards Balance grows 1:1.
- Applying your rewards is your choice. Using the rewards balance is optional. You can liquidate using the rewards points or save them up for alternative benefits.
- Weekly limit: Up to 2,500 points in your Rewards Balance may be applied each week, across all Deposit Reward Offers.
- Daily availability: 0% spread liquidations are also subject to daily capacity. Large liquidations at market rate are available. Call for a quote.
- Carryover: Unused rewards carry forward. Your balance does not expire.
- Eligible metals: Applies to Gold Dollars, Goldbacks, and Silver Dollars purchased and vaulted with Alpine Gold Exchange in an online precious metals account.
- Above your available rewards: Liquidations beyond the rewards you apply are processed at standard market spreads.
- Linked Visa Card: Loading your card is a liquidation or a GoldELOC. The same weekly limit, daily availability, and market-rate terms apply.
Out-of-Network Fees:
Out-of-network fees apply when members bring precious metals from outside our established network. These fees are designed to cover the additional costs associated with integrating these metals into our system. Essentially, they help ensure that members can still access the benefits of our services, even if their metals originated elsewhere. Rates vary based on metal type, form, market availability, and volume.
| Transaction Type | Fee |
|---|---|
| Deposit into Spending Account (up to $10,000) | (5%-Market) |
| Deposit into Spending Account ($10,000 - $99,999) | (10%-Market) |
| Liquidation into USD | (10%-Market) |
| Liquidation into USD or Deposit into Spending Account (Above $100,000) | 15% |
Member to Merchant Transaction Fee:
Within the Private network, members may pay merchants for goods and/or services using their metal holdings. A 1% transaction fee may apply depending on the recipient of the funds.
Earnings & Commissions
In addition to our competitive rates and fees, we provide our members with various earning opportunities that further enhance their financial experience. Members can participate in interest-earning lease programs, allowing them to generate income from their metal holdings while retaining ownership. Additionally, our referral commission program rewards members for introducing new clients to Alpine Gold, creating a win-win situation that fosters community growth and engagement. These initiatives are designed to empower our members to maximize their investments and benefit from their connections within our network.
Referral Commissions
Members can earn a commission of up to 2% on Goldback sales and 0.5% on net Gold or Silver Coin sales from members they recruit. The total commission is capped at a maximum of $1,000 per year.
Leases & Returns
Metals Lease Rates
Total Leased Value in USD
- $0 to $99,999 ----- 2% APR
- $100,000 to $249,999 ----- 3% APR
- $250,000 to $499,999 ----- 4% APR
- $500,000 to $1,000,000 ----- 5% APR
- Over $1,000,000 ----- Contact us for custom terms
Terms That Apply to All Leases
Eligible Metals: Gold bullion, gold dollars, silver bullion, silver dollars, and Goldbacks
- Term Length: Open-ended
- Returns Paid: Monthly
- Cancellation Notice: 60 days
- Early release fee: 3% of leased metal value
Minimum Requirements
- Gold Lease: Minimum 1 Gold Dollar
- Goldback® Lease: Minimum 10 Goldbacks®
- Silver Bullion Lease: Minimum 1 Oz.
- Gold Bullion Lease: Minimum 0.02 Oz.
How Your Yield Rate is Determined
Your rate is based on the combined value of all metals you have on lease. Gold bullion, gold dollars, silver bullion, silver dollars, and Goldbacks are added together into a single total, and that total sets your tier. For example, $50,000 in gold and $51,000 in silver aggregate to $101,000, which qualifies for the 3% tier. Returns are paid monthly.
Your rate is set by the value of metal you place on lease, not by market movement. If the price of your leased metals rises or falls, your rate stays the same.
Your rate does follow changes to your leased balance. If you add metal and cross into a higher tier, the new rate applies to your entire leased balance. If you remove metal and drop into a lower tier, the lower rate applies to your entire leased balance as well..
Cancellation
You can cancel a lease at any time. After you submit your cancellation, there is a 60-day waiting period before your metals or their value are released to you.
If you would rather not wait, you can request early release for a fee of 3% of the leased metal value. This releases your metals without the 60-day wait.
Maximize Your Metals
Build trust and security with an online precious metals account today.
You can now earn rewards by sharing your unique referral link. Our referral program offers 0.5% on Gold and Silver coins and 2% on Goldback investments made by your referrals
