Personal Interest Rates & Fees
Effective as of: January 22, 2024
Checking and Savings Accounts
| Name | Product Code | Min to Receive APY | Interest Rate | APY |
|---|---|---|---|---|
| 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:
3.00% 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
| Name | Product Code | Min to Receive APY | Interest Rate | APY |
|---|---|---|---|---|
| 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: December 1, 2023; Subject to Change
| Product or Service | Fee |
|---|---|
| Account Activity Printout (per page) | $5.00 |
| Cashier's Check | $7.00 |
| 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 |
| Counter Checks | $2.00 per 3 checks |
| Debit Card Replacement Fee (Lost) | $10.00 |
| Debit Card Replacement Fee (Rush) | $40.00 |
| Dormant Account (per month)1 | $7.00 |
| Early Account Closure (if closed within 6 months) | $35.00 |
| Escheatment Fee | $50.00 |
| Fax Fee | $2.00 + .50 per page |
| Foreign Exchange (all foreign checks must be in U.S. Dollars only) | $5.00 per check |
| 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 | $2.00 each |
| Non-Customer Check Cashing Fee | $5.00 |
| Notary Service (Non-customers) | $10.00 per request |
| Overdraft Fee2 | $32.00 |
| Research (per hour) | $30.00 |
| Research Item (per page) | $2.00 |
| Return Deposit Item (chargeback) | $7.00 |
| Returned Item Fee2 | $32.00 |
| Special Statements | $5.00 |
| Stop Payment | $30.00 |
| Wires (other fees may be assessed): | |
| Incoming Domestic Wire | $15.00 |
| Outgoing Domestic Wire | $25.00 |
| Incoming Foreign Wire | $35.00 |
| Outgoing Foreign 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. A returned item is shown on the account statement as a Returned Item Fee. A paid item is shown on the account statement as an Overdraft Fee. The maximum number of fees that we can assess is limited to 5 per day or a total dollar limit of $160.00. We do not charge a fee for a transaction that overdraws your account by less than $10.00.
