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Four people hug against the sunset.

High Yield Money Market Account

Finally, rising interest rates are in your favor.

Make a great investment in your future with our High Yield Money Market Accounts.

You’ll earn up to 4.80% APY* without tying up your investment for a year or more in a traditional CD. In our High Yield Money Market Account, you have full access to your funds and can make deposits and withdrawals.

Even better, with our High Yield Money Market Account, you’ll always get the best return on your investment. The higher the Fed raises interest rates throughout 2023, the more you’ll earn.

You’re guaranteed 85% on the Effective Federal Funds Rate on balances of $500,000 or more. And it’s easy to start online. All you need is an active checking account with us.

Don’t have one? Once you’ve submitted your online application, our representative will call and set you up.

Open Online

Consider it done.

Our philosophy is in our name. We put community first — it’s what matters to us.

When you bank with Four Corners Community Bank, your deposits go on to feed the hungry in the Four Corners. We support the Manna Soup Kitchen, ECHO, Inc., and Good Sam’s Food Pantry through charitable donations made possible by your deposits.

When you bank with FCCB, you invest in the future of Durango, Farmington, and Cortez. We donate to Project Graduations across the Four Corners each fall. Your deposits ensure high school graduates in our communities can celebrate their accomplishments in a safe, healthy environment.

When you bank with FCCB, you protect your neighbors when they need it the most. We donate to the Women’s Resource Center, Children’s Hope Foundation, and the Tres Rios Habitat for Humanity. Each one of these organizations is built on a culture of healing and support in the Four Corners.

We donate to causes here, because the communities of the Four Corners are what matters to us. We make our decisions at this bank out of our headquarters in Farmington, New Mexico. Other banks in this area make their decisions from:

  • Glenwood Springs (Alpine Bank)
  • Alamosa (First Southwest Bank)
  • San Francisco (Wells Fargo)
  • Salt Lake City (Vectra Bank)
  • Dallas (TBK Bank)

We live in the Four Corners. We’re your neighbors. Your customers. Your bankers. We put everything we have into the success of the Four Corners.

We’re in your corner.

High Yield Money Market

 

 

*Disclosure information:

Rate Information: Annual Percentage Yield and interest rate may change. The interest rate on your account is based on the Effective Federal Funds Rate (EFFR) multiplied by a percentage of that rate as detailed in the following rate tier information:

  • For balances of $500,000.00 or more, we pay pay 85% of the EFFR.
  • For balances over $250,000.00, but less than $500,000.00, we pay 50% of the EFFR.
  • For balances of $250,000.00 or less, we pay 20% of the EFFR.

We may change the interest rate on your account each time there is a change to the EFFR. The change will be effective on the business day following the change to the EFFR.

Compounding and Crediting: Interest begins to accrue on the business day you deposit noncash items (for example, checks.) Interest will be compounded monthly and will be credited to the account monthly.

Effect of Closing an Account: If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information: You must deposit $1,000.00 to open this account. This account may require an active primary checking account with at least one (1) direct deposit, ACH credit, or ACH payment transaction. You may make six (6) transfers from your account each statement cycle, if by pre-authorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties.

 

 

 

 

 

 

 

Fix people run across the desert into the sunset.

It’s time to bank with people who care about the environment around your community.

Our headquarters are in Farmington, New Mexico. And we’ve got branches in Durango, Cortez, and Aztec. FCCB is more than a name, it’s our way of doing business. It’s our way of life.

Other banks in this area make their decisions from:

  • Glenwood Springs (Alpine Bank)
  • Alamosa (First Southwest Bank)
  • San Francisco (Wells Fargo)
  • Salt Lake City (Vectra Bank)
  • Dallas (TBK Bank)

Our philosophy is in our name. We put the Four Corners first — it’s what matters to us.

When you bank with Four Corners Community Bank, your deposits make it possible for us to donate to Durango Trails so they can plan, build, and maintain the hundreds of miles of mountain trails in Durango, Colorado. And so you and your neighbors can enjoy all the great outdoors have to offer in La Plata county.

Your deposits make it possible for us to fund the River Reach Foundation of Farmington. The River Reach Foundation uses charitable donations to protect, enhance, and promote the beautiful recreational wilderness of the San Juan River.

Your deposits make it possible for us to fund the 12 Hours of Mesa Verde annual endurance race at Phil’s World in Cortez. Not only does this event celebrate the incredible mountain biking community in the Four Corners, but it benefits the youth of Southwest Colorado, ensuring our community develops a strong future.

We’ve made it super easy for you to have an impact in the Four Corners — all while earning rewards for yourself. All you have to do to help the environment and your community?

What are you waiting for? Reward yourself and your community today.

Open online now!

Our Kasasa Cash® Accounts are free checking that pays you 5.00% APY*.

  • Free checking account
  • No monthly maintenance fee
  • No minimum balance to earn rewards
  • 5.00% APY* on balances up to $50,000
  • 0.15% APY* on the portion of your balance over $50,000
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • $100 minimum deposit to open

Kasasa Cash

 

*Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions or recurring debit card transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards

“Monthly Qualification Cycle” means the current statement cycle.

See one of our Branch Managers for specific Monthly Qualification Cycle dates.

Reward Information:

When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $50,000.00 in your Kasasa Cash account earn an interest rate of 4.89% resulting in an APY of 5.00%; and daily balances over $50,000.00 earn an interest rate of .015% on the portion of the daily balance over $50,000.00, resulting in a range from 1.77% to 5.00% APY depending on the account’s daily balance.

You will receive reimbursements up to an aggregate total of $ 25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash or Kasasa Cash Back transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded. When your Kasasa Cash qualifications are not met, the interest rate earned on the account’s entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle.

Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.

APY = Annual Percentage Yield.

APYs accurate as of 10/30/2023.

APY calculations are based on an assumed balance of $50,000.00 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

$100.00 minimum deposit is required to open the account.

Monthly Direct Deposit / ACH, Enrollment in online banking with eStatements are condition of these accounts.

Enrollment in electronic services (e.g., online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications.

Limit of 1 account(s) per Social Security number.

There are no recurring monthly maintenance charges or fees to open this account.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Member FDIC.

Trademarks:

Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

 

 

 

 

 

 

 

Two children whisper

Take your investments further with 5.05% APY* on 7-month CDs.

 

Our CDs offer you a guaranteed interest rate, regardless of the market conditions. And at maturity, your funds are ready to re-invest in the next opportunity.

 

Call today to discuss options with one of our banking experts. We’re in your corner.

 

Cortez: 970.565.8421

Monday-Thursday: 9:00 a.m. to 4:00 p.m.

Friday: 9:00 a.m. to 5:00 p.m.

 

Durango: 970.259.0457

Monday-Thursday: 9:00 a.m. to 4:00 p.m.

Friday: 9:00 a.m. to 5:00 p.m.

 

Farmington & Aztec: 505.327.3222

Monday-Thursday: 9:00 a.m. to 4:00 p.m.

Friday: 9:00 a.m. to 5:00 p.m.

 

 

*Account subject to approval. $1,000.00 minimum opening deposit required to earn the advertised annual percentage yield (APY). Active primary checking account with at least one (1) direct deposit, ACH credit, or ACH payment transaction may be required to open account. APY accurate as of 09/01/2023. Rates are subject to change. Interest will be paid annually or at maturity. Penalty for early withdrawal. Fees could reduce earnings on accounts. Excludes public and institutional funds. Other limitations may apply. CDs are FDIC insured up to applicable limits. Member FDIC.