Personal Savings Accounts & Certificates of Deposit

Achieve your financial goals with our flexible savings solutions!

  • Earn higher rates with our Money Market accounts
  • Automatic transfers for easy savings
  • Link to an ATM card for 24/7 access*
*Daily transaction limits may apply.

Compare our savings accounts


Value Savings

Money Market Savings

Premier Growth
Money Market Savings

At a Glance

Basic savings plan for
those just starting out

Competitive tiered rates to
reward growing balances

Premium tiered rates for those
who keep high balances



yes, tiered interest rates to reward higher balances

yes, tiered interest rates to reward higher balances

View current rates

Check Writing Ability*




Monthly Service Fee


Waived with average daily balance of $100

No service fee for
minors under 18


Waived with average daily balance of $2,500


Waived with average daily balance of $25,000

Per Item Fee

$10 per debit in excess of
6 per statement cycle*

$10 per debit in excess of
6 per statement cycle*

$10 per debit in excess of
6 per statement cycle*

$100 minimum to open any savings account

* Regulation D limits the amount of pre-authorized transfers, checks, drafts, or debit card transactions to six per calendar month or statement cycle (or similar period) of at least  four weeks, including transfers to a linked checking account for overdraft protection..  (The monthly limit is based on when the transaction is processed, not when the check or item was written or authorized).  If you make a combination of checks/drafts and automatic or pre-authorized withdrawals, the total limit is still six.  Please note that you may make unlimited deposits, withdrawals or transfers in person, at the ATM, messenger or mail.  If a savings account has an online or non-covered transaction, a statement will generate monthly in lieu of quarterly.  Transactions in excess of the six will result in a bank fee of $10 per transaction. There are no restrictions to deposits or withdrawals made in person.

Click here for our current interest rates.

Click here for our First National Santa Fe Fee Schedule.

Smart Savings Service

Make smart saving easy by automatically transferring a set amount from your checking to your savings on a monthly or more frequent basis. You determine how much and on which day the transfer will take place.


Certificates of Deposit (CD)

Invest your money for short or long term purposes.

  • Typical maturities range from 6 months to 5 years.
  • $1,000 minimum to open CD or IRA CD accounts.
  • Fixed rates apply with interest paid monthly, quarterly, at maturity, but at least annually.
  • Withdrawals are at the end of the term. There is a 10-day grace period to withdraw funds at maturity before the CD automatically renews.
  • There is a 90-day penalty for early withdrawal. Some exceptions apply. Contact a personal banker for more details.
  • View our current interest rates.