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

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

Requirements	Minimum to Open ~ $100
Benefits	First 40 Debits Per Month ~ Free ATM Card ~ Free
Cost	Maintenance Fee With Check Safekeeping ~ $7 Maintenance Fee If Items Returned With Statement ~ $9 Debit Charge After 40 Items Per Month ~ $0.25

NOW Personal Checking 1

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 Balance To Earn APY ~ $1,000
Benefits	Maintenance Fee With Balance $1,000 Or More:~ No Charge First 40 Debits Per Month ~ Free Interest Compounded and Paid ~ Monthly ATM Card ~ Free
Cost	Maintenance Fee With Balance Under $1,000: With Check Safekeeping ~ $10 If Items Returned With Statement ~ $12 Debit Charge After 40 Items Per Month ~ $0.25

Money Market Account 1,2

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 Balance To Earn APY ~ $1,000
Benefits	Maintenance Fee With Balance $1,000 Or More ~ No Charge Interest Compounded and Paid ~ Monthly ATM Card ~Free
Cost	Maintenance Fee With Balance Under ~ $1,000: With Check Safekeeping ~ $10 If Items Returned With Statement ~ $12 Debit Charge After 3 Per Statement (Each) ~ $5 Maximum 3rd-Party Withdrawals Per Statement ~ 6

Main Money Account 1,2

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 Balance To Earn APY ~ $2,500. ~Tiered Rates Based on Balances~ Limited check writing
Benefits	Interest Compounded and Paid ~ Monthly Maintenance Fee With Balance $2,500.Or More ~ No Charge
Cost	Maintenance Fee With Balance Under $2,500. ~ $15 Debit Charge After 3 Per Statement (Each) ~ $5 Maximum 3rd-Party Withdrawals Per Statement ~ 6

Personal Savings 1,2

Designed for households as a safe place to accumulate savings.
Charges discourage withdrawals.  
 

Requirements	Minimum To Open ~ $100 Minimum Balance To Earn APY ~ $100 Maintenance Fee With Balance $100 Or More: ~ No Charge
Benefits	Interest Compounded and Paid ~ Quarterly ATM Card ~ Free Combined Monthly Statement ~ Free
Cost	Maintenance Fee With Balance Under $100 ~ $3 Withdrawal Charge After One Per Month ~ $1 Debit Charge After 3 Per Statement (Each) ~ $5

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 1,2

A savings account with a premium yield.
 

Requirements	Minimum To Open and earn Higher Yield ~ $5,000 Quarterly Fee with Balance of $5,000 or more ~ No Charge Quarterly Fee with Balance under $5,000 ~ $25 A checking account must accompany this account
Benefits	Higher Yield than most savings accounts Interest Compounded and Paid ~ Quarterly Statement delivery electronically via the Internet
Cost	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.

2. 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. No more than three of these may be made by check, draft or similar external order to pay.

3. Federal eligibility requirements apply.