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Free digital services available with all checking accounts:
Other free services available:
*U.S. government-issued ID and proof of residency required to open a new account (if current address is not listed on U.S. government-issued ID).
Kasasa Cash Back ® – the checking account that pays you back.
Enrollments must be in place and all the following transactions and activities must post and settle to your Kasasa Cash Back® account during each Monthly Qualification Cycle:
Your rewards are waiting. But just in case you don’t meet your qualifications one cycle, your account is still free — and you can get back to earning your cash rewards the very next month. If you fail to qualify for six consecutive months, your account will be converted to a non-interest checking account.*
*Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions or recurring debit card transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
“Monthly Qualification Cycle” means the current statement cycle.
See one of our Branch Managers for specific Monthly Qualification Cycle dates.
Reward Information:
When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 4.00% cash back on up to a total of $200.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back payments may be earned per Monthly Qualification Cycle.
You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash or Kasasa Cash Back transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded. When your Kasasa Cash Back account qualifications are not met, no cash back payments are made, and ATM withdrawal fees are not refunded.
Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed.
Additional Information:
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
$100.00 minimum deposit is required to open the account.
Monthly Direct Deposit/ACH Credit, Enrollment in eStatements are conditions of this account.
Enrollment in electronic services (e.g., online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications.
Limit of 1 account per Social Security Number.
There are no recurring monthly maintenance charges or fees to open this account.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Member FDIC.
Trademarks:
Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.
Our Kasasa Cash® accounts are free checking that pays – you. Earn up to 4.07% APY.*
Enrollments must be in place and all the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
Put your checking account to work for you. Just in case you don’t meet your qualifications one cycle, your account is still free — and you can get back to earning your maximum rewards the very next month. If you don’t meet the requirements, you’ll still earn the base rate of 0.05% APY on your entire Kasasa Cash® balance.
*Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions or recurring debit card transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards
“Monthly Qualification Cycle” means the current statement cycle.
See one of our Branch Managers for specific Monthly Qualification Cycle dates.
Reward Information:
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $50,000.00 in your Kasasa Cash account earn an interest rate of 4.00% resulting in an APY of 4.07%; and daily balances over $50,000.00 earn an interest rate of .015% on the portion of the daily balance over $50,000.00, resulting in a range from 1.46% to 4.07% APY depending on the account’s daily balance.
You will receive reimbursements up to an aggregate total of $ 25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash or Kasasa Cash Back transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded. When your Kasasa Cash qualifications are not met, the interest rate earned on the account’s entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle.
Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of 10/08/2024.
APY calculations are based on an assumed balance of $50,000.00 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information:
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
$100.00 minimum deposit is required to open the account.
Monthly Direct Deposit / ACH, Enrollment in online banking with eStatements are condition of these accounts.
Enrollment in electronic services (e.g., online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications.
Limit of 1 account(s) per Social Security number.
There are no recurring monthly maintenance charges or fees to open this account.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Member FDIC.
Trademarks:
Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.
Your Kasasa Saver® account links to your Kasasa® checking account – so you don’t have to worry about managing your rewards.
Qualifying for your Kasasa Cash® or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all the following transactions and activities must post and settle to your Kasasa Cash® or Kasasa Cash Back® account during each Monthly Qualification Cycle:
And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base rate in Kasasa Saver®. And you can get right back to earning your full rewards the very next cycle that you qualify.
*Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions or recurring debit card transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
“Monthly Qualification Cycle” means the current statement cycle.
See one of our Branch Managers for specific Monthly Qualification Cycle dates.
Reward Information:
When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 4.00% cash back on up to a total of $200.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back payments may be earned per Monthly Qualification Cycle.
When Kasasa Cash qualifications are met during a Monthly Qualification Cycle, you will receive 4.07% APY on balances up to $50,000 and 0.15%APY on the portion of your balance over $50,000.
You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash/Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash or Kasasa Cash Back transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded. When your Kasasa Cash/Kasasa Cash Back account qualifications are not met, no cash back payments are made, and ATM withdrawal fees are not refunded. The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash/Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed.
Additional Information:
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
$100.00 minimum deposit is required to open the account.
Monthly Direct Deposit / ACH credit, Enrollment in eStatements are conditions of this account.
Enrollment in electronic services (e.g., online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications.
Limit of 1 account(s) per Social Security number.
There are no recurring monthly maintenance charges or fees to open this account.
A Kasasa Cash/Kasasa Cash Back account is required to have a Kasasa Saver account.
A linked Kasasa Saver account is required for automatic savings.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Member FDIC.
Trademarks:
Kasasa, Kasasa Cash/Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
This account is equipped with check-writing capabilities bundled with the convenience and benefits of an electronic checking account.
Earn more with this interest-bearing account.
Must be at least 55 to qualify for this account.
Experience the club with numerous benefits and a suite of services in one package.
A Health Savings Account (HSA) encourages saving for future healthcare expenses. Funds contributed to this account are not subject to federal income tax at the time of deposit.
Your Satisfaction Savings Account doesn’t require a large balance. You have account access via ATM and ATM card. Earn interest and receive a quarterly statement (or monthly statement with electronic transactions).
Account for youth under the age of 18. Minor must be accompanied by a qualified signer.
Money Market accounts are interest-bearing accounts that don’t tie up funds. Unlike a CD, which locks funds for a set period, a Money Market allows full access to funds; make deposits and limited withdrawals. Ideal for emergencies.
CDs typically yield a higher return over a longer period. At maturity, funds are readily accessible and new strategic options can be discussed.
Retirement savings available with an IRA. Offering Traditional, ROTH, and SEP (for small business owners and employees).
Choose from a variety of sizes, offered at 500 West Main Street in Farmington, NM and 77 West Main Street in Cortez, CO.*
Sizes vary by location
*No insurance coverage is provided on box contents by FDIC or this financial institution.
Other fees
| Certificate of deposit | Interest rate | APY* |
|---|---|---|
Certificate of deposit 90 day fix rate CD | Interest rate no | APY* no |
Certificate of deposit $1,000+ | Interest rate 0.600% | APY* 0.600% |
Certificate of deposit 6-month fixed rate CD | Interest rate no | APY* no |
Certificate of deposit $1,000+ | Interest rate 3.000% | APY* 3.020% |
Certificate of deposit 7-month fixed rate CD | Interest rate no | APY* no |
Certificate of deposit $1,000+ | Interest rate 4.000% | APY* 4.030% |
Certificate of deposit 12-month fixed rate CD | Interest rate no | APY* no |
Certificate of deposit $1,000 to $249,999.99 $250,000+ | Interest rate 2.500% 2.500% | APY* 2.500% 2.500% |
Certificate of deposit 13-month fixed rate CD | Interest rate no | APY* no |
Certificate of deposit $1,000+ | Interest rate 3.750% | APY* 3.760% |
Certificate of deposit 18-month fixed rate CD | Interest rate no | APY* no |
Certificate of deposit $1,000 to $249,999.99 $250,000+ | Interest rate 3.500% 3.500% | APY* 3.510% 3.510% |
Certificate of deposit 24-month fixed rate CD | Interest rate no | APY* no |
Certificate of deposit $1,000 + | Interest rate 3.750% | APY* 3.750% |
Certificate of deposit 30-month fixed rate CD | Interest rate no | APY* no |
Certificate of deposit $1,000 to $249,999.99 $250,000+ | Interest rate 2.850% 2.850% | APY* 2.850% 2.850% |
Certificate of deposit 36-month fixed rate CD | Interest rate no | APY* no |
Certificate of deposit $1,000 to $249,999.99 $250,000+ | Interest rate 2.850% 2.850% | APY* 2.850% 2.850% |
Certificate of deposit 48-month fixed rate CD | Interest rate no | APY* no |
Certificate of deposit $1,000 to $249,999.99 $250,000+ | Interest rate 2.850% 2.850% | APY* 2.850% 2.850% |
Certificate of deposit 60-month fixed rate CD | Interest rate no | APY* no |
Certificate of deposit $1,000 to $249,999.99 $250,000+ | Interest rate 2.850% 2.850% | APY* 2.850% 2.850% |
Certificate of deposit rates are subject to change at any time and are not guaranteed until account is opened. Please call (505) 327-3222 for current rates.
Annual Percentage Yield (APY)* is based upon annual interest payments. Minimum balance of $1,000 required for all CD’s.
A penalty may be imposed for early withdrawal.
| Transaction Accounts** | Interest Rate | APY |
|---|---|---|
Transaction Accounts** Interest Checking | Interest Rate 0.080% | APY 0.080% |
Transaction Accounts** Savings Accounts | Interest Rate 0.250% | APY 0.250% |
Transaction Accounts** Money Market < $50,000 | Interest Rate 0.200% | APY 0.200% |
Transaction Accounts** Money Market $50,000 - $99,999 | Interest Rate 0.300% | APY 0.300% |
Transaction Accounts** Money Market $100,000 - $249,999 | Interest Rate 0.400% | APY 0.400% |
Transaction Accounts** Money Market $250,000 - $499,999 | Interest Rate 0.550% | APY 0.550% |
Transaction Accounts** Money Market $500,000 + | Interest Rate 0.800% | APY 0.800% |
Transaction Accounts** High Yield Money Market < $250,000* | Interest Rate 0.950% | APY 0.950% |
Transaction Accounts** High Yield Money Market $250,000 - $499,999* | Interest Rate 2.380% | APY 2.410% |
Transaction Accounts** High Yield Money Market $500,000 - $999,999* | Interest Rate 4.040% | APY 4.120% |
Transaction Accounts** High Yield Money Market $1,000,000 +* | Interest Rate 4.470% | APY 4.560% |
**The interest rate and Annual Percentage Yield (APY) may change after account opening. Fees could reduce earnings on the account.
* Must have an active primary checking account with at least one (1) direct deposit, ACH credit, or ACH payment transaction(s).
Offered rates are subject to change without notice.
For current rate information, call 505.327.3222