Personal Interest Rates & Fees

Effective as of: February 19, 2021

Checking and Savings Accounts

NameProduct CodeMin to Receive APYInterest RateAPY
1st Executive Checking 1009
1st Elite Checking 1012
1st Rate Rewards Checking* 1015
1st Premium Money Market Account 1040
1st Select Savings 2001
1st Elite Savings 2012

INTEREST RATES ARE SUBJECT TO CHANGE AT OUR SOLE DISCRETION. Please call us at (866) 384-3226 to verify updated Interest Rates and Annual Percentage Yields.
Fees could reduce the earnings on these accounts.
APY = Annual Percentage Yield.

*Monthly Requirements:
1.50% APY paid on balances up to $25,000.
.05% APY paid on balance over $25,000.
If account does not meet requirements during monthly cycle a .05% APY will be earned on the entire balance. $100 minimum opening deposit. No minimum blanance required. No monthly service charge. Must be a Yuma County or Santa Cruz County resident to open this account.

Certificates of Deposit

NameProduct CodeMin to Receive APYInterest RateAPY
7-31 Day 3000
32-89 Day 3001
90-179 Day 3002
180-364 Day 3003
1 Year 3012
18 Month 3018
2 Year 3024
3 Year 3036
4 Year 3048
5 Year 3060

INTEREST RATES ARE SUBJECT TO CHANGE AT OUR SOLE DISCRETION. Please call us at (866) 384-3226 to verify updated Interest Rates and Annual Percentage Yields.
Fees could reduce the earnings on these accounts. Early withdrawal penalties may be imposed.
APY = Annual Percentage Yield.

Schedule of Service Charges and Fees

Effective as of: October 1, 2020; Subject to Change

Product or ServiceFee
Account Activity Printout (per page) $2.50
Check Copies $2.00 each over 5 per statement
Checks and Personalized Savings Forms prices may vary
Closed Account (if closed within 6 months) $35.00
Collection Item (Incoming and Outgoing $10.00
Debit Card Replacement Fee (Lost) $5.00
Dormant Account (per month)1 $7.00
Escheatment Fee $50.00
Fax Fee $2.00 + .50 per page
Foreign Exchange (all foreign checks must be in U.S. Dollars only) Custom
Garnishment/Levy (plus $30.00 per hour for research) $75.00
International Transaction Fee 1.10% of US Dollar value
IRA Internal Transfer Fee $15.00
IRA Setup Fee $25.00
IRA Closing Fee $25.00
Non-1st Bank Yuma ATM or Non-MoneyPass ATM Withdrawal $1.00 each
Non-Customer Check Cashing Fee $5.00
Non-Sufficient Funds (NSF)2 $32.00
Notary Service (Non-customers) $10.00 per request
Official Check $5.00
Overnight Card Delivery $40.00
Research (per hour) $30.00
Research Item (per page) $2.00
Return Deposit Item $7.00
Special Statements $3.00
Stop Payment $25.00
Wires (other fees may be assessed):
Incoming Domestic Wire $15.00
Outgoing Domestic Wire $25.00
Incoming International Wire $35.00
Outgoing International Wire $45.00
Zipper Bag $5.00

1 Accounts become dormant after 18-months of account inactivity.
2 A non-sufficient funds item may be created by check, in-person withdrawal, ATM withdrawal, or other electronic means. This fee is charged whether the item overdrafts the account and the item is returned or paid.