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Construction Loans

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eChecking

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Capital Lines of Credit

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personal_banking

Personal Banking

We focus on providing better than expected service to the residents who live, work and play in the Four Corners Region. We offer checking and savings accounts that help you simplify making purchases, automatic deposits, loan payments, paying bills, transferring funds and more.

eChecking

With no monthly service charge or maintenance fee, this account is managed 100% online. It's easy, electronic and is suited for every generation.

Features

  • $100.00 minimum balance to open
  • No monthly service charge
  • No average daily balance required
  • Free online & telephone banking
  • Free mobile banking
  • Free bill pay
  • Free ATM/Visa® Debit Card
  • Free eStatements
    • eStatements are required for this account
  • No check writing capabilities

Community Checking

This account is ideal for those in need of check writing capabilities bundled with the convenience and benefits of an electronic checking account.

Features

  • $100.00 minimum balance to open
  • Free bill pay with any direct deposit
  • Free eStatements
  • Free online & telephone banking
  • Free mobile banking

Service Charges

  • $6.00 monthly service charge, waived with the following:
    • $4.00 credit per month for eStatements
    • $2.00 credit for a direct deposit
  • $1.00 per month/per card for ATM/Visa® debit card 
    • Service charge is waived with 10 or more point-of-sale (POS) transactions per month  (excludes ATM transactions)
  • Customer purchases checks. 
    • Cost varies on style and check type

Interest Checking

Stay on top of your money with this interest bearing account.

Features

  • $100.00 minimum balance to open
  • Interest bearing
  • Free bill pay with any direct deposit
  • Free eStatements
  • Free online & telephone banking
  • Free mobile banking

Service Charges

  • $8.00 monthly service charge
    • Service charge is waived with a $1,000.00 avg. daily balance
  • $1.00 per month/per card for ATM/Visa® Debit Card
    • Service charge is waived with five (5) or more point-of-sale (POS) transactions per month (excludes ATM transactions)
  • Customer purchases checks
    • Cost varies on style and check type

Classic 55

This account is ideal for our residents with over 55 years of life experience.

Features

  • $100.00 minimum balance to open
  • Interest bearing
  • Free bill pay with any direct deposit
  • Free ATM/Visa® Debit Card
  • Free eStatements
  • Free online & telephone banking
  • Free mobile banking

Service Charges

  • $5.00 monthly service charge
    • Service charge is waived with a $100.00 avg. daily balance
  • No charge for first box of corporate image check
    • Future order cost varies on style and check type

Community Club

Experience the Club--our Community Club! Numerous benefits accompany this account and provides you with a suite of services in one package.

Features

  • $100.00 minimum balance to open
  • Interest bearing
  • No charge for 3x10 safe deposit box
  • No charge for cashier’s checks
  • No charge for stop payments
  • Free bill pay with any direct deposit
  • Free ATM/Visa® Debit Card
  • Free eStatements
  • Free online & telephone banking
  • Free mobile banking

Service Charges

  • $15.00 monthly service charge
    • Service charge is waived with a $4,000.00 avg. daily balance from any combination of the accounts below:
      • Checking
      • Savings
      • Money Market
      • Certificate of Deposit
      • IRA
    • Service charge is also waived with a loan balance greater than $10,000
  • Customer purchases checks
    • Cost varies on style and check type

Community Health Savings Account (HSA)

A Health Savings Account (HSA) encourage saving for future health care expenses. Your funds contributed to this account are not subject to federal income tax at the time of deposit.

Features

  • $100.00 minimum balance to open
  • Interest bearing
  • No set-up fee
  • Free ATM/Visa® Debit Card
  • Free eStatements
  • Free online & telephone banking
  • Free mobile banking

Service Charges

  • Variable money market rates apply
  • $2.50 monthly service charge
    • Service charge is waived with a $2,500.00 avg. daily balance

Satisfaction Savings

If you want to save a little time without the worry of keeping a large balance, this account is right for you. Access your account from any ATM with your ATM Card. You will earn interest and receive a quarterly statement (monthly statement with electronic transactions) to track your savings.

Features

  • $100.00 minimum balance to open
  • Interest bearing
  • Free eStatements
  • Free online & telephone banking
  • Free mobile banking

Service Charges

  • $2.00 monthly service charge
    • Service charge is waived with a $200.00 avg. daily balance
  • $1.00 per month for each ATM/Visa® Debit Card
  • Six (6) free withdrawals or transfers per month
    • $2.00 per withdrawal or transfer after the sixth

Minor Savings

Our savings account designed for our community youth under the age of 18. It has been designed as a custodial account, which means there is only one minor and one custodian per account. Minor does not have access to funds until the custodian changes type of account. Minor must be accompanied by a qualified signer.

Features

  • $10.00 minimum balance to open
  • Interest bearing
  • Free eStatements
  • Free online & telephone banking
  • Free mobile banking

Service Charges

  • $1.00 monthly service charge
    • Service charge is waived with a $100.00 avg. daily balance
  • Six (6) free withdrawals or transfers per month
    • $1.00 per withdrawal or transfer after the sixth

Money Market

Money Market Accounts are interest bearing accounts that don't tie up your funds. Unlike a CD which locks your money for a set period of time, a Money Market Account gives you full access to your funds and you can make deposits and limited withdrawals. This type of liquid account is ideal for earning higher interest while offering availability for any emergency needs that might arise.

Features

  • $1,000.00 minimum balance to open
  • Interest bearing
  • Free bill pay with any direct deposit
  • Free ATM/Visa® Debit Card
  • Free eStatements
  • Free online & telephone banking
  • Free mobile banking

Service Charges

  • $10.00 monthly service charge
    • Service charge is waived with a $1,000.00 avg. daily balance
  • Six (6) free withdrawals or transfers per month
    • $10.00 per withdrawal or transfer after the sixth
    • No more than six transfers allowed by check, draft or debit card to a third-party

Certificates of Deposit

A CD investment is an excellent choice for those that would like to invest over a longer term to gain higher returns. At maturity, your funds are readily accessible and we can help you determine the CD term that best fits your needs and long-term strategic goals.

Features

  • $1,000.00 minimum balance to open
  • Interest bearing
  • Competitive rates for specific terms
    • Check our current Rates
  • Various terms available

Service Charges

  • Early withdrawal penalty fee may apply

Safe Deposit Boxes*

Protect your precious belonging and personal items with a safe deposit box. Choose from a variety of sizes offered at two convenient locations in Farmington: 500 West Main Street and 2811 East 20th Street.

  • 3x10     $25.00 annually
  • 5x10     $50.00 annually
  • 10x10   $75.00 annually

*No insurance coverage is provided on box contents by FDIC or this financial institution.

Overdraft Protection

Link your savings account to cover you checking if you become overdrawn. Overdraft protection automatically sweeps increments of $100 for a small fee instead of incurring an NSF fee and a possible fee from the merchant for lack of funds!

Service Charges

  • No fee if the service is never used
  • $5.00 per day transfer fee is assessed to the savings account if service is used