Rates effective as of 09/19/14
Deposit Rates
Type    APY
NOW Account (b) - $1,000 min. bal.    0.03%
Money Market (b) - $5,000-$49,999.99    0.03%
Money Market (b) - $50,000-$99,999.99    0.05%
Money Market (b) - $100,000-$199,999.99    0.20%
Money Market (b) - $200,000 & over    0.20%
Savings Account (b) - $100 min. bal.    0.05%
Kid's Kash Klub (b) - $25 min. bal.    0.05%
Public Funds DDA (b) - min. bal. $50    0.20%
91 Days CD (a) - $500-$9,999.99    0.01%
91 Days CD (a) - $10,000-$49,999.99    0.05%
91 Days CD (a) - $50,000-$99,999.99    0.15%
91 Days CD (a) - $100,000 & above    0.15%
182 Days CD (a) - $500-$9,999.99    0.10%
182 Days CD (a) - $10,000-$49,999.99    0.15%
182 Days CD (a) - $50,000 & above    0.25%
270 Days CD (a) - $500    0.25%
1 Year CD (a) - $500-$9,999.99    0.20%
1 Year CD (a) - $10,000-$49,999.99    0.20%
1 Year CD (a) - $50,000 & above    0.20%
18 Months CD (a) - $500-$9,999.99    0.30%
18 Months CD (a) - $10,000-$49,999.99    0.30%
18 Months CD (a) - $50,000 & above    0.30%
2 Years CD (a) - $500-$9,999.99    0.30%
2 Years CD (a) - $10.000-$49,999.99    0.30%
2 Years CD (a) - $50,000-$99,999.99    0.30%
2 Years CD (a) - $100,000 & above    0.30%
3 Years CD (a) - $500-$9,999.99    0.35%
3 Years CD (a) - $10,000-$49,999.99    0.35%
3 Years CD (a) - $50,000-$99,999.99    0.35%
3 Years CD (a) - $100,000 & above    0.35%
1 Year IRA (a) - $500    0.25%
2 Year IRA (a) - $500    0.35%
 
a) A penalty may be imposed for early withdrawal.
b) The interest rate and annual percentage yield may change after account opening.
c) Daily balance. The amount of the principal in the account each day.
d) Average daily balance. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Fees could reduce earnings on the account.
For current information and applicable fees and terms, please call 575-374-8315.

NOTICE: OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS By federal law, as of 1/1/2013, funds in a noninterest-bearing transaction account (including an IOLTA/IOLA) will no longer receive unlimited deposit insurance coverage, but will be FDIC-insured to the legal maximum of $250,000 for each ownership category. For more information, visit http://www.fdic.gov/deposit/deposits/unlimited/expiration.html