Rates effective as of 02/08/12
Deposit Rates
Type    APY
31 Days CD $500    0.05%
91 Days CD $500-$9,999    0.10%
91 Days CD $10,000-$49,999    0.15%
91 Days CD $50,000 & above    0.25%
182 Days CD $500-$9,999    0.25%
182 Days CD $10,000-$49,999    0.35%
182 Days CD $50,000 & above    0.45%
270 Days CD $10,000    0.40%
1 Year CD $500-$9,999    0.40%
1 Year CD $10.000-$49,999    0.50%
1 Year CD $50,000 & above    0.60%
18 Months CD $500-$9,999    0.50%
18 Months CD $10,000-$49,999    0.60%
18 Months CD $50,000 & above    0.70%
2 Years CD $500-$9,999    0.65%
2 Years CD $10.000-$49,999    0.75%
2 Years CD $50,000 & above    0.85%
3 Years CD $500-$9,999    0.85%
3 Years CD $10,000-$49,999    0.90%
3 Years CD $50,000 & above    0.95%
1 Year IRA $500    0.60% (Compounded Qrtly)
2 Year IRA $500    0.85% (Compouned Qrtly)
Money Market $5,000-$49,999    0.10%
Money Market $50,000-$99,999    0.20%
Money Market $100,000-$199,999    0.30%
Money Market $200,000 & over    0.40%
NOW Account $1,000 min. bal.    0.05%
Savings Account $100 min. bal.    0.05%
 
APY (Annual Percentage Yield) assumes interest is paid annually, not compounded.
A penalty will be imposed for early withdrawal on Certificates of Deposit and IRAs.
The interest rate and annual percentage yield may change after account opening on Money Market, NOW, and Savings account.
Fees could reduce earnings on the account.
For current information and applicable fees and terms, please call 575-374-8315.

NOTICE: OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.