Variable Rate - The interest rate for your account is

Rate 0.90% APY* 0.90%

*Annual Percentage Yield

Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account daily.

Minimum Balance Requirements - To obtain the annual percentage yield disclosed, you must maintain a minimum balance of $0.00 in the account each day.

Compounding and Crediting - Interest will be compounded monthly. Interest will be credited to your account monthly. If you close your account before interest is credited, you will not receive the accrued interest.

Balance Computation Method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

The interest rate and annual percentage yield stated below are accurate as of the date printed above. If you would like more current rate and yield information please call us at (806) 792-7101 or 1-800-687-2265.

This disclosure contains the rules which govern your deposit account. Unless it would be inconsistent to do so, words and phrases used in this disclosure should be construed so that the singular includes the plural and the plural includes the singular.

We reserve the right to at any time require not less than 7 days’ notice in writing before any withdrawal from an interest bearing account.

There will be a $5.00 service charge1 imposed each statement cycle to receive a paper statement. To avoid this fee you can sign up to receive free e-statements through online banking. 


1All fees subject to sales tax in New Mexico.

**Refer to the Schedule of Fees in the Consumer Deposit Agreement and Disclosures for fees that may apply to your account.**