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First National 1870

Deposits held and insured by Sunflower Bank, N.A.

TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.firstnational1870.com
505-798-5849
2200 Louisiana Blvd
Albuquerque, NM 87110
Deposits held and insured by Sunflower Bank, N.A.
Reviews (2)

Easy To Work With

Posted by: |

We opened a CD recently, and they were very easy to work with while we were out of town, opening the savings account online, funding it, then opening the CD's via email and telephone. We were happy to finally have a local bank in our area to get a great rate on CD's.

1

A Sad Decline In Banking Quality

Posted by: |

Sunflower took over our local bank - First National of Santa Fe back in 2016-17 and changed it to 1870 Bank - subsequently closed most branches and ATM locations leaving whole sections of the city without a branch or even ATM. They don't monitor ATMs carefully and ATMs often run out of cash on weekends and even weekdays sometimes. An awful bank seemingly acquired for what purpose I don't know, but it clearly wasn't to provide customer service.

7


Health
A

Data as of Q1 2025

Data displayed below is for insuring bank: Sunflower Bank, N.A.
Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #4767
Year Established1892
Employees1139
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.24%
Return on Equity - YTD10.02%
Annual Interest Income$110.4MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$8.2B$7.77B
LoansQ1 2025vs Q1 2024$6.46B$6.26B
DepositsQ1 2025vs Q1 2024$6.98B$6.55B
Equity CapitalQ1 2025vs Q1 2024$1.03B$917.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$91.8MM$79.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$79.1MM$59.1MM
Real Estate OwnedQ1 2025vs Q1 2024$4.9MM$4.4MM
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First National 1870 Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.45%*$50k*-Ignite Money Market - New Money
OTHER TIERS: 4.10% → $0 - $50k
2.00%*$250k*-Business Vitality Money Market Account - New Money
OTHER TIERS: 0.50% → $0 - $100k | 1.30% → $100k - $250k

First National 1870 CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-6 Month CD Special
4.00%$1k-Business 6 Month CD Special

First National 1870 IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-6 Month IRA Special
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