 1st Bank Yuma offers:

1. Personal Banking
 Savings
- 1st Select Savings
- 1st Rewards Savings
- 1st Elite Savings
 Checking Accounts
- 1st Rate - Rewards Checking
- 1st Exclusive Checking
- 1st Senior Checking
- 1st Executive Checking
- 1st Elite Checking
- 1st Premium Money Market Account
 Certificates of Deposit
 Residential Loans
 Retirement & Education Accounts (Individual Retirement Accounts) - An Individual
Retirement Account (IRA) offers the combined benefits of tax savings and solid
income for your retirement. Whether you choose a Traditional or Roth IRA, 1st Bank
Yuma can help you choose the appropriate plan.
 Credit and Debit Cards
 Additional Services
- Mobile Banking
- Night Drop
- Safe Deposit Boxes
- E-Statements
2. Business Banking
 Business Checking
- 1st Business Checking
- 1st Analysis Checking
- 1st Business Interest Checking
- 1st Business Money Market Account
 Business Savings
- 1st Select Business Savings
- 1st Elite Business Savings
 Business Loans
 Business Certificates
 Business Credit and Debit Cards
3. Education
 Personal Finance
 World of Credit
 Security
4. Loans
 Consumer Loans
 Residential Loans
 Business Loans
  1st Bank Yuma do offer car loans to consumers whether it's a new car, truck or RV we can
help. We offer a variety of terms and products.

 The APY and interest rate for 1st Rate Rewards Checking is 0.05% you can refer to the
Guide. The purpose of the account is to offer our customers the "rewards" of a higher rate
on a checking account that is used like any other checking account, with certain
expectations and requirements. If account does not meet requirements during monthly
cycle a .05% APY will be earned on entire balance. 1.50% APY* PAID ON BALANCES up to
$25,000.
1st Rate Rewards Checking $25,000.01 0.05% 0.05%
*Monthly Requirements Must Be Met No Min Required 1.49% 1.51%

 The it is calculated as (1+ 1.34%/365) ^365 – 1 = 1.3490 % is the Nominal interest rate which
is Inom and the N number of compounded periods per year.

Formula is APY = (1+ inom/N) ^N – 1

 This is 360 Money Market®—the account that earns a top savings rate of 2.00% Annual
Percentage Yield (APY) on accounts with balances of $10,000 or more.
o Here’s the link

 For Way2Save® Savings VA, 22201 they do have a restrictions or requirements and its
Minimum opening deposit $25 and for Monthly service fee: Avoid the monthly service fee
when you have one of the following each fee period:
o Maintain a $300 minimum daily balance, or
o Set up and maintain one or more automatic, recurring savings options
o Are under the age of 18 (19 in AL) and are the primary owner of this account4
o Otherwise $5

 For the list of Mortgage Rates, upon checking there’s no loan to value equal to 80%

(Rates Effective: 05/17/2019. Rates and points are subject to change without notice.)
Annual
Rate Points
Percentage
Term (%) (%)
Rate(%)
FIXED CONVENTIONAL

Loan-to-Value <75% 15 YEAR 3.6250 0

3.7190

FIXED CONVENTIONAL

Loan-to-Value <75% 30 YEAR 4.1250 4.1790 0

FIXED FHA

Loan-to-Value <96.5% 30 YEAR 4.0000 4.7410 0

FIXED JUMBO

Loan-to-Value <70% 30 YEAR 4.0000 4.0190 0

up to $1M

ARM CONVENTIONAL

Loan-to-Value <75% 5/1 YEAR 3.6250 4.5490 0

 Health Savings Account (HSA)and Statement Savings

 Any Deposit Checking lets you bank simply every day and there is a $5 Overdraft Buffer but
no overdraft fees when your account is overdrawn by $5 or less. e