1We reserve the right to at anytime require not less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. 2This method applies a daily periodic rate to the collected principal each day your balance is above the stated account minimum. Interest begins to accrue no later than the business day the bank receives credit for your deposit. 3Variable interest rates are subject to change without notice. APY = Annual Percentage Yield. 4All fees are subject to sales tax in New Mexico.