*(APY) Annual Percentage Yields are accurate as of 6/15/14. These rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Minimum balance to earn APY is $.01. 
Home Equity Line of Credit (HELOC)  

ProductDescriptionInterest RateAPY*Minimum Deposit
Certificate of Deposit3 month0.05%0.05%$1,000.00
 6 Month0.12%0.12%$1,000.00
 12 Month0.20%0.20%$1,000.00
 18 Month0.25%0.25%$1,000.00
 24 Month0.35%0.35%$1,000.00
 36 Month0.45%0.45%$1,000.00
 48 Month0.65%0.65%$1,000.00
 60 Month0.95%0.95%$1,000.00
Individual Retirement Account3 Month0.10%0.10%$1,000.00
 6 Month0.15%0.15%$1,000.00
 12 Month0.25%0.25%$1,000.00
 18 Month0.30%030%$1,000.00
 24 Month0.40%0.40%$1,000.00
 36 Month0.50%0.50%$1,000.00
 48 Month0.70%0.70%$1,000.00
 60 Month1.00%1.00%$1,000.00

With the financial markets changing every day, it is important that you have the most accurate and up-to-date information regarding opportunities to invest your money or to borrow the funds you need for that new car or home. At New Mexico Bank & Trust, we pride ourselves in offering our customers a full range of deposit and loan products at competitive rates.  
These rates may change at any time without prior notice. For up-to-date CD and IRA rates please contact one of our Personal Bankers at 505-830-8100 in Albuquerque, 575-762-4741 in Clovis, and 505-946-2500 in Santa Fe.  
For Mortgage Lending Rates, please call 563-589-2077.  

Loan RatesAPR¹
Rates as low as4.00%

¹Annual Percentage Rate (APR) is subject to change without notice. Minimum APR is 4.00%. Maximum APR is 17.50% . APR will be based on credit history and 80% loan-to-value of the home taken as collateral. $50 annual fee assessed on the anniversary date of the loan. Third party fees range from $0 to $2800. Hazard insurance is required and flood insurance maybe required. Subject to normal underwriting guidelines. APR accurate as of 2/3/15. The APR may vary. 
Automobile Rates  

Loan Rates
Loan Amount $20,000
Loan TermInterest RateAPR²Monthly Payment Example
60 Months2.99%3.19%$359.25
72 Months3.29%3.46% $306.45
Loan Amount $30,000
Loan TermInterest RateAPR²Monthly Payment Example
60 Months2.99% 3.12% $538.88
72 Months4.60%4.71%$477.35
 For vehicles older than 2014, call a personal banker.

²The APR shown was available as of 2/3/15 for a loan with a 60 or 72 month term and secured by a 2015-2014 model year vehicle and 20% down payment required.  Your APR may be higher and will be based on your credit qualifications, loan amount, repayment term, and the model year.  Rate may also be higher as rates are subject to change at any time based on market conditions or other business factors. Rate is fixed after consummation.   
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