BUSINESS CHECKING
This is a basic Business Checking Account designed for small to medium businesses and non-profit.
Requirements
- Minimum to open	$ 300.00
Benefits
- Credit Earned per $100.00 monthly average balance	$     .25
Costs
- Monthly Maintenance Fee - Credit/debit posted to account - Transit item deposited	$    7.00 $     .15 $     .10

Our basic personal checking account is totally free of regular monthly service charges.
Requirements
- Minimum to open	$ 100.00
Benefits
- No transaction limitations - No monthly service fee* - First box of checks free *Other fees such as overdraft charges, returned check charge or stop payments will apply as necessary. Contact Us for more information.

Requirements

- Age 55 and over

Benefits

- No monthly service fee* - No transaction limitations - No minimum to open or maintain - First box of checks free *Other fees such as overdraft charges, returned check charge or stop payments will apply as necessary. Contact Us for more information.

This account is an interest bearing personal checking account.
Requirements
- Ledger Balance Minimum $ 1,000.00 - If balance falls below $ 1,000.00	No charge $ 25.00*
Benefits
- Interest Bearing *Fees could reduce the earnings on account.

This account is designed primarily for savings with limited access to the account by check or ACH.
Requirements
- Ledger Balance Minimum $ 2,500.00 - If balance falls below $ 2,500.00	No charge $ 25.00*
Six (6) withdrawals permitted monthly; three (3) by check. Activity fee for each debit in excess of six debits $10.00. Excessive transactions will receive three (3) warnings and then the account will change to a NOW account.
Benefits
- Accessibility of funds - Interest bearing account *Fees could reduce the earnings on account.

Requirements
- Minimum to open - Minimum balance to avoid fees (A service charge of $2.00 will be imposed every statement cycle if the balance in the account falls below $100.00 any day of the cycle.)	$ 100.00 $ 100.00*
- Three (3) withdrawals permitted monthly       If over three (3) per month: *Fees could reduce the earnings on account.	$ 2.00 each

Our Minor Savings Account is for anyone under age 18.
Requirements
- Minimum to open - Three (3) withdrawals permitted monthly       If over three (3) per month: *Fees could reduce the earnings on account.	$ 1.00 $ 2.00 each*

Time deposit terms from 3 months to 60 months Click Rates for current rates and Promotions for Special Rate Offers
Requirements
- Minimum to purchase - No deposits or withdrawals except for interest credited during the term of the CD	$ 1,000.00
- Early withdrawal penalty	30 days interest
Benefits
- Guaranteed Rate for term of CD* - Automatically Renewable** - Various interest payment options *All Annual Percentage Yields (APY’s) assume reinvestment of interest and principal. **You will have 10 calendar days after maturity date to withdraw funds without penalty.

Residential Real Estate Construction Loans*

Interim Bridge Loans*

Commercial Loans*

We are professional residential real estate construction loan experts and provide personal service.  All loan decisions are made locally.**  No more dealing with decision makers you can’t talk to or meet with.  Our knowledgeable loan officers and support staff have over 30 years experience in real estate construction lending.  Contact Us for more information.

*Terms, conditions and requirements vary per loan request.  Please contact one of our loan officers to discuss your specific needs.
**All loans subject to approval.

Our Online Banking allows for safe, easy, reliable and convenient electronic access to your accounts 24 hours a day, seven days a week. 

Requirement
- You must have access to a personal computer with internet access.
- You must have at lease one transaction account (checking, savings, money market)

Benefits – Online Banking and Bill Pay are FREE

Our Visa Checkcard* looks like a credit card.  It’s actually a check and an ATM card all in one.  When you use your Checkcard as a debit or credit card the funds are debited from your checking account just like writing a check.  No more waiting for check approvals.  The transactions are detailed on your monthly checking account statement.

 *All cards subject to approval.

Use our ATM’s for access to your funds 24 hours day, 7 days a week.

Safe Deposit boxes are available for rent at both the Ventura and Rio Rancho offices.  Contact Us for details.