Please review the account details to determine which features best fit your needs. Or visit our offices and let us help you make the best decision for you!  

Personal Checking 1,2

A basic, no-frills checking account designed for normal check writing volumes.
 

 

Requirements	Minimum to Open ~ $100
Benefits	First 40 Debits Per Month ~ No Charge Visa Check Card ~ No Charge for First Card
Cost	Monthly Maintenance Fee If Images NOT Returned ~ $7 Monthly Maintenance Fee If Images Returned With Statement ~ $9 Debit Charge After 40 Items Per Month ~ $0.25 each

 

NOW Personal Checking 1,2

A basic, no-frills checking account designed for normal check writing volumes and to pay a competitive rate of interest.  
 

 

Requirements	Minimum To Open ~ $1,000 Minimum Daily Balance To Earn APY ~ $1,000
Benefits	Maintenance Fee waived with daily balance $1,000 Or More First 40 Debits Per Month ~ No Charge Interest Compounded and Paid ~ Monthly Visa Check Card ~ No Charge for First Card
Cost	Maintenance Fee with daily Balance Under $1,000:     If images NOT Returned with Statement ~ $10     If Images Returned With Statement ~ $12 Debit Charge After 40 Items Per Month ~ $0.25 each

 

Money Market Account 1,2,3

A money market account offering limited check writing and a competitive rate of interest, designed for households wanting easy access and a good return on "extra" funds.  
 

 

Requirements	Minimum To Open ~ $1,000 Minimum Daily Balance To Earn APY ~ $1,000
Benefits	Maintenance Fee Waived with daily Balance $1,000 Or More Interest Compounded and Paid ~ Monthly Visa Check Card ~No Charge for First Card
Cost	Maintenance Fee with daily Balance Under ~ $1,000     If Images NOT Returned with Statement ~ $10     If Images Returned With Statement ~ $12 Debit Charge After 3 Per Statement (Each) ~ $5 Maximum 3rd-Party Withdrawals Per Statement ~ 6

 

Main Money Account 1,2,3

Designed for those who have funds to invest and want easy access and a good return – our highest non-time-deposit rate.  
 

 

Requirements	Minimum To Open ~ $2,500. Minimum Daily Balance To Earn APY ~ $2,500. ~Interest Rates ~Tired depending on Balance Limited check writing
Benefits	Interest Compounded and Paid ~ Monthly Maintenance Fee waived with daily Balance $2,500.Or More
Cost	Maintenance Fee with daily  Balance Under $2,500. ~ $15 Debit Charge After 3 Per Statement (Each) ~ $5 Maximum 3rd-Party Withdrawals Per Statement ~ 6

 

Personal Savings 1,3

Designed for households as a safe place to accumulate savings.
 
 

 

Requirements	Minimum To Open ~ $100 Minimum Daily Balance To Earn APY ~ $100
Benefits	Maintenance Fee waived with Daily Balance $100 Or More Interest Compounded and Paid ~ Quarterly Combined Monthly Statement ~ No Charge
Cost	Maintenance Fee with Daily Balance Under $100 ~ $3 Withdrawal Charge After One Per Month ~ $1

 

Certificates of Deposit 1

CD Rates
For Current Terms and Rates Use the Link Above or Call Albuquerque: (505) 880-1700

Individual Retirement Accounts 1

IRA Rates

For Current Terms and Rates Use the Link Above or Call Albuquerque: (505) 880-1700

MainStream Savings Account 1,3

A savings account with a premium yield. These accounts are no longer offered.
 

 

Requirements	Minimum To Open and earn Higher Yield ~ $5,000 A checking account must accompany this account
Benefits	Quarterly Fee waived with daily Balance of $5,000 or more Higher Yield than most savings accounts Interest Compounded and Paid ~ Quarterly Statement delivery electronically via the Internet
Cost	Quarterly Fee with daily Balance under $5,000 ~ $25 Debit Charge via the Internet after 1 per Quarter ~ $25 Over the Counter Withdrawals ~ $4

 

 

1. Interest Rates and Annual Percentage Yields (APY) are variable and may change at any time at the Bank’s discretion. No floor or ceiling has been established. A minimum balance must be maintained to obtain the APY. The minimum balance that must be maintained is equal to the "Minimum Balance to Earn APY" amount disclosed for each product. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the collected balance in the account each day. We use an interest accrual basis of 365 days for each day of the year. Interest begins to accrue no later than the business day after the bank receives credit for the deposit of non-cash items such as checks. Accrued but unpaid interest may not be paid if the account is closed. Seven Days notice of withdrawal may be required.  Fee's could reduce earnings on all accounts. 

2 Reordered Visa Check Cards after the first one, a charge of $5.00 will apply.

 

3.  Pre-authorized automatic and telephonic transfers to a third party or another account of the depositor of this Bank are limited by Federal Regulation to six per statement.

 

4.  Federal eligibility requirements apply for NOW ACCOUNTS ONLY: