Account Comparison | Community 1st Bank Las Vegas

Account Comparison



Checking and Savings Accounts

Freedom 1st Checking Now Checking Commercial Checking Savings Account Money Market Deposit Account
Minimum Balance To Open: $5.00 Minimum Balance To Open: $1,000.00 Minimum Balance To Open: $1,000.00 Minimum Balance To Open: $100.00 Minimum Balance To Open: $2,500.00
Per Statement Cycle: $0.10 Charge on all Debit Card Transactions Starting With the 31st Transaction. Per Statement Cycle: No Service Charge With $1,000.00 Average Daily Balance Per Statement Cycle: No Service Charge With $1,000.00 Average Daily Balance Per Statement Cycle: No Service Charge With $100.01 Average Daily Balance Per Statement Cycle: No Service Charge With $2,500.00 Average Daily Balance
Free Bill Pay & Free Online Banking


Monthly Service Charge: $1.00
Free Bill Pay & Free Online Banking Free Bill Pay & Free Online Banking Per Statement Cycle: $1.00 Charge On Every Debit Transaction Starting With the 4th Transaction Maximum of Six(6) Checks & Transfers Per Month

1Gross Receipts/Sales Tax may apply to fees and charges.
2A fee may overdraw an account, resulting in additional charges.
3Overdrafts may be created by check, in person withdrawal, ATM withdrawal, or other electronic means.
4A $2.00 monthly paper statement fee will be charged to all accounts (waived for accounts utilizing E-Statements). (Fee effective August 1, 2018.)

• Minimum to open: $5.00

• Per Statement Cycle: $0.10 Charge on all Debit Card Transactions Starting With the 31st Transaction.

• Monthly Service Charge: $1.00

• Free Bill Pay

• Free Online Banking

• Unlimited Check Writing

• Tax will be charged on all service charge fees2



1A $2.00 monthly paper statement fee will be charged to all accounts (waived for accounts utilizing E-Statements). (Fee effective August 1, 2018.)
2A fee may overdraw an account, resulting in additional charges.

• Minimum Balance to Open: $1,000.00
• Unlimited Check Writing
• Free Bill Pay
• Free Online Banking
• Tax Will Be Charged On All Service Charge Fees2

Service Charge may vary based on Average Daily Balance - See below:


• Per Statement Cycle: No Service Charge With $1,000.00 Average Daily Balance
• Per Statement Cycle: $7.00 Service Charge when Average Daily Balance is less than $1,000.002
• Per Statement Cycle: $10.00 Service Charge when Average Daily Balance is less than $500.002

NOW Accounts


Required Daily Balance During Statement Period to Obtain APY3
$5,000 to $24,999.99 0.10%
$25,000.00 to $99,999.99 0.15%
$100,000.00 and up 0.25%

NOTE: These rates are subject to change. Please contact one of our friendly New Accounts Representatives at (505) 425-7584 with any questions you may have.

• All rates are shown with their Annual Percentage Yield (APY)
• All rates effective as of February 7, 2018

1A $2.00 monthly paper statement fee will be charged to all accounts (waived for accounts utilizing E-Statements). (Fee effective August 1, 2018.)
2A fee may overdraw an account, resulting in additional charges. Fees could reduce earnings on the account.
3Rates may change at any time

• Minimum balance to open: $300.00
• Per Statement Cycle: No Service Charge With $1,000.00 Average Daily Balance
• Free Bill Pay
• Free Online Banking
• Per Statement Cycle: $0.10 Charge on all Debit Transactions Starting With the 21st Transaction

Service Charge may vary based on Average Daily Balance - See below:


 

Required Average Daily Balance during statement period2 Service Charge3
$1,000.00 $3.00
$500.00 $4.00
$300.00 $5.00
$200.00 $6.00



1A $2.00 monthly paper statement fee will be charged to all accounts (waived for accounts utilizing E-Statements). (Fee effective August 1, 2018.)
2Service charge fees apply during a monthly statement cycle if the average daily balance falls below listed balance.
3Tax will be charged on all service charge fees. A fee may overdraw an account, resulting in additional charges.


Required Daily Balance during statement period to obtain APY4
$100.01 and up 0.10%

• Minimum balance to open: $100.00

• Minimum balance to obtain interest: $100.01

• Free Bill Pay

• Free Online Banking

• Per Statement Cycle: No Service Charge With $100.01 Average Daily Balance2

• Per Statement Cycle: $1.00 Service Charge when Average Daily Balance is less than $100.013

• Per Statement Cycle: $1.00 Charge On Every Debit Transaction Starting With the 4th Transaction3

1A $2.00 monthly paper statement fee will be charged to all accounts (waived for accounts utilizing E-Statements). (Fee effective August 1, 2018.)
2During a month from the 3rd to the 3rd an average daily balance of $100.01 is required to avoid monthly service charges.
3Tax will be charged on service charge fees. A fee may overdraw an account, resulting in additional charges.
4Rates may change at any time.

• Minimum balance to open: $2,500.00
• Per Statement Cycle: No Service Charge With $2,500.00 Average Daily Balance
• Limited to 6 transfers/debits per statement cycle or four-week period.

Service fee may vary based on balance - See below:


Required Average Daily Balance during statement period

Service Charge1

$2,500.00 $3.00
$1,500.00 $5.00
$1,000.00 $7.00

Required Daily Balance during statement period to obtain APY2
$500 to $24,999.99 0.10%
$25,000.00 to $249,999.99 0.15%
$250,000.00 and up 0.30%

NOTE: These rates are subject to change. Please contact one of our friendly New Accounts Representatives at (505) 425-7584 or toll free at 1-888-425-7584 with any questions you may have.

• All rates are shown with their Annual Percentage Yield (APY)
• All rates effective as of February 1, 2014

1A $2.00 monthly paper statement fee will be charged to all accounts (waived for accounts utilizing E-Statements). (Fee effective August 1, 2018.)
1A fee may reduce earnings on account and rates may change after account opening on variable rate accounts.
1Tax will be charged on all service charge fees. A fee may overdraw an account, resulting in additional charges.
1A penalty may be imposed for early withdrawal (flagged on time deposits only).
2Rates may change at any time.

Safe Deposit Boxes

We have Safe Deposit Boxes available to safeguard your valuables.

Yearly Safe Deposit Box Rates

 3x5  - $25.00
 5x5  - $30.00
3x10 - $45.00
5x10 - $70.00
6x10 - $85.00
9x10 - $95.00
10x10 - $130.00


Rent for boxes is due January 31st, of each year.



• A $2.00 late fee will be incurred at 30 days past due.
• A $10.00 late fee will be incurred at 60 days past due.
• A $25.00 late fee will be incurred at 90 days past due.



AVAILABLE ONLY AT SELECT BRANCHES FOR DEPOSIT CUSTOMERS

Contents inside of Safe Deposit Boxes are not FDIC insured.

If a box is not paid for 5 years, the box will be drilled and the contents will be sent to the State of New Mexico as abandoned property.

If you lose both keys to the safe deposit box there will be a $100.00 drill fee if an appointment is set. If it is an emergency drill, the fee for the drill will be $175.00.

A one-time $20.00 key deposit will be applied when opening the box. You will be issued two keys. The deposit will be refunded if both keys are returned when surrendering the box.

ATM / Debit Cards


ATM / Debit Cards are available for most accounts


Card Activation Line: 1-866-619-0245

Change Your PIN: 1-877-265-9594


If you need to dispute a Point-of-Sale transaction:

Enhanced Charge-backs Support Line can be reached at:
1-800-808-6402 M-F, 8:00 am to 8:00 pm (ET)


If you have a suspended Debit Card due to suspicious activity or if you plan to use your Debit Card while traveling out of New Mexico:

Call the Fraud Department at: 1-800-889-5280


If you need to cancel a Lost or Stolen Debit Card:

Call Card Services at: 1-800-528-2273

CDs / IRAs

Length of Time $500 to $99,999.99 $100,000 Plus
CD's / IRA's RATE APY RATE APY
182 Days 0.25% 0.25% 0.35% 0.35%
1 Year 0.40% 0.40% 0.50% 0.50%
18 Months 0.60% 0.60% 0.80% 0.80%
2 Years 0.80% 0.80% 1.00% 1.00%
3 Years 1.10% 1.10% 1.20% 1.21%
5 Years 1.50% 1.51% 2.00% 2.02%

All rates are calculated using a daily balance method to calculate interest during a month from the 3rd to the 3rd on all accounts.

Minimum Balance To Open Account $500.00


Certificate of Deposit (CD):


Start saving today! All CD rates are shown with their Annual Percentage Yield (APY). Simply determine the term and amount you would like to deposit.

Individual Retirement Account (IRA):


Save for your retirement! Simply determine the term and amount you would like to deposit. You can deposit any amount at any time.

Fees could reduce earnings on the account. A penalty may be imposed for early withdrawal.



NOTE: These rates are subject to change. Please contact one of our friendly New Accounts Representatives at (505) 425-7584 with any questions you may have. All rates effective as of February 7, 2018.