*(APY) Annual Percentage Yields are accurate as of 01/10/2014. 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 month0.10%0.10%$1,000.00
 6 Month0.15%0.15%$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.  

 APR¹Interest Rate
HELOC 6 Month Intro Special1.99%1.99%
Adjust to a minimum as low as4.00%

1Annual Percentage Rate (APR) shown is variable after 6-month introductory rate and subject to change without notice.  The index used to determine the interest rate is the Wall St. Journal Prime Rate.  Index as of 3/19/2014 was 3.25%, plus a margin of 0%.  The Minimum APR for these plans is 4.00%.    APR will be based on credit history and loan-to-value of 80% or less when the home is taken as collateral.  Promotional APR for loan-to-value between 80% - 90% will be 3.49%, with a Minimum APR of 5.50%.  $50.00 annual fee will be assessed on the anniversary date of the loan.  Third party fees, if applicable, range from $0 - $2,800.  Maximum APR is 21.00% on all plans.  Hazard insurance is required and flood insurance may be required.  This offer is subject to normal underwriting guidelines.  The introductory rate is available on new lines only.  
Automobile Rates  

Loan Rates
Loan Amount $20,000
Loan TermInterest RateAPR²Monthly Payment Example
60 Months2.99%3.19%$359.28
72 Months3.29%3.46% $306.36
Loan Amount $30,000
Loan TermInterest RateAPR²Monthly Payment Example
60 Months2.99% 3.12% $538.94
72 Months4.60%4.71%$477.35
 For vehicles older than 2011, call a personal banker.

²The APR shown was available as of 2/21/2014 for a loan with a 60 or 72 month term and secured by a 2012-2014 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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