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Personal Banking

Overdraft Privilege

Overdraft PrivilegeSM is a customer service provided to eligible checking accounts. Rather than automatically returning unpaid any non-sufficient fund items, we will consider; without obligation on our part, payment of your reasonable overdrafts, as long as you maintain your account in good standing.

Overdraft PrivilegeSM:

  • Requires no action on your part
  • Requires no additional documents to sign
  • Costs nothing unless you use the Overdraft PrivilegeSM Service
  • Is available to account holders over eighteen (18) years of age
  • Saves you embarrassment and additional charges from Retailers for Returned Checks.

  Overdraft Privilage Disclosure

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Certificates of Deposit

Term Rate APY
90 Day 0.25% 0.25%
182 Day 0.40% 0.40%
1 Year 0.50% 0.50%
18 Month 0.65% 0.65%
24 Month 0.75% 0.75%
36 Month 1.00% 1.00%
60 Month 1.51% 1.50%
 See All Rates


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Carlsbad New Mexico

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