CD Rates Carson, New Mexico (NM) for March 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Carson, New Mexico CD rates include State Employees Credit UnionState Employees Credit Union813 Saint Michaels Dr, Santa Fe, NM 87505 7607C3.8 ★Texas Ratio: 29.00% offering 6 Month Share Certificate at 5.00% APY, Artesia Credit UnionArtesia Credit Union210 N 5th St, Artesia, NM 88210 2000A+5.0 ★Texas Ratio: 2.57% offering IRA Certificates 24 Month at 4.58% APY, GECU Federal Credit UnionGECU Federal Credit Union141 N Roadrunner Pkwy, Las Cruces, NM 88011 2000A5.0 ★Texas Ratio: 6.97% offering 12-month Jumbo Certificate Individual Retirement Accounts (IRAs) at 4.35% APY, Mountain America Federal Credit UnionMountain America Federal Credit Union9200 Golf Course Rd NW, Albuquerque, NM 87114 5891A5.0 ★Texas Ratio: 11.38% offering Youth certificate 60-month youth certificate at 4.09% APY, and Los Alamos Schools Credit UnionLos Alamos Schools Credit Union3286 Cerrillos Rd, Santa Fe, NM 87507 2925A+5.0 ★Texas Ratio: 1.28% offering 12 Month Youth Certificate of Deposit at 4.06% APY. CD rates as of March 28, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Carson, New Mexico, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: March 28, 2026
Compare Best CD Rates in Carson, New Mexico & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
Business Certificates 3 month
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM 87107
3-Month IRA Certificates
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Century Bank Santa Fe, NM
Institution Rating:
C-3.6 ★Texas Ratio: 31.78%
322 N Riverside Dr, Espanola, NM 87532
3 Month CD
$5,000
3.50%
▼
Rate3.45%
Min Deposit$5,000
Min Balance—
UpdatedMar 28, 2026
Details
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
3-Month Certificate of Deposit
$1,000
3.40%
▼
Rate3.34%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
1st Certificates 3 Month
$250
3.04%
▼
Rate3.00%
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
4170 Northrise, Las Cruces, NM 88011
3 Month Boost Term Share
$500
2.79%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
90 Day Certificate of Deposit
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM 88101
90 Day Certificate
$0
0.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
223 S Gold Ave, Deming, NM 88030
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
6 Month Share Certificate
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Bonus Rate
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
3105 Del Rey Blvd, Las Cruces, NM 88012
IRA/Share Certificates & Business Share Certificates 6 month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000+
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
4170 Northrise, Las Cruces, NM 88011
6 Month Boost Term Share
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
Certificates and IRA Certificates - 6 month
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000.
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM 87505
6-Month F55 Certificate
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
1850 Wyoming Blvd SE, Albuquerque, NM 87117
6 Month Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Tucumcari Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
301 S 1st St, Tucumcari, NM 88401
6 Month Money Market CD
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM 87107
6-Month IRA Certificates
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Sunflower Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
421 N Water St, Las Cruces, NM 88001
6-Month CD Special
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Internationalites Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
901 N Canal St, Carlsbad, NM 88220 5109
6 Month Certificates of Deposit
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
6 Month Certificate of Deposit
$0
2.77%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Financial Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1105 W Pierce St, Carlsbad, NM 88220 4014
6 Month Term
$0
2.01%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Lea County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1017 N Turner St, Hobbs, NM 88240
IRA 6 mo - 364 days
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM 87417
IRA Certificates 6 Month
$500
1.25%
▼
Rate1.25%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM 88201 5804
6 Month CD
$1,000
0.91%
▼
Rate0.90%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM 87025 0120
6-Month Share Certificate
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
223 S Gold Ave, Deming, NM 88030
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
7300 Jefferson St Ne, Albuquerque, NM 87109
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
GECU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.97%
141 N Roadrunner Pkwy, Las Cruces, NM 88011 2000
12-month Jumbo Certificate Individual Retirement Accounts (IRAs)
$50,000
4.35%
▼
Rate4.35%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
Monthly / APY: 4.44%
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
210 N 5th St, Artesia, NM 88210 2000
12 month Share Certificate
$0
4.32%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
12 Month Youth Certificate of Deposit
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
($10K limit per CD)
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
3105 Del Rey Blvd, Las Cruces, NM 88012
IRA/Share Certificates & Business Share Certificates 1 year
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000+
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
4170 Northrise, Las Cruces, NM 88011
1 Year Boost Advantage CD Saver
$50
3.82%
▼
Rate3.75%
Min Deposit$50
Min Balance—
UpdatedMar 28, 2026
Details
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM 87505
12-Month F55 Certificate
$500
3.81%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
12 Month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Bonus Rate
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
Business Certificates 12 month
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★Texas Ratio: 38.20%
414 10th St, Alamogordo, NM 88310
IRA 12 Month
$500
3.53%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Santa Fe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7101 JEFFERSON ST NE, ALBUQUERQUE, NM 87109 4375
12 Month CD
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
As High As
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
12-Month Certificate of Deposit
$1,000
3.40%
▼
Rate3.36%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
1st Certificates 12 Month
$250
3.30%
▼
Rate3.25%
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
Tucumcari Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
301 S 1st St, Tucumcari, NM 88401
1 Year Money Market CD
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Internationalites Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
901 N Canal St, Carlsbad, NM 88220 5109
12 Month Certificates of Deposit
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Financial Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1105 W Pierce St, Carlsbad, NM 88220 4014
1 Year Term
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM 88201 5804
12 Month CD
$1,000
2.51%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM 87417
IRA Certificates 1 Year
$500
1.75%
▼
Rate1.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Lea County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1017 N Turner St, Hobbs, NM 88240
IRA 12 mo - 23 mo
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
223 S Gold Ave, Deming, NM 88030
1 year Standard Fixed Rate CD
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM 88101
12 Month Share Certificates
$0
1.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM 87025 0120
12-Month IRA Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First National Bank in Trinidad
Institution Rating:
B+4.8 ★Texas Ratio: 17.17%
1246 S 2nd St, Raton, NM 87740
12 Month CD
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
On Deposits up to $100,000
Community 1st Bank Las Vegas
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
600 Douglas Ave, Las Vegas, NM 87701
CDs / IRAs 1 Year
$100,000
0.40%
▼
Rate0.40%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5915 Wyoming Blvd Ne, Albuquerque, NM 87109
IRA CD 1 Year
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
7300 Jefferson St Ne, Albuquerque, NM 87109
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $49,000.00
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
9200 Golf Course Rd NW, Albuquerque, NM 87114 5891
Standard certificate 18-month certificate
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★Texas Ratio: 38.20%
414 10th St, Alamogordo, NM 88310
IRA 18 Month
$500
3.79%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
Business Certificates 18 month
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM 87107
18-Month IRA Certificates
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
1st Certificates 18 Month
$250
3.20%
▼
Rate3.15%
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
18-Month Certificate of Deposit
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM 87025 0120
18-Month IRA Certificates
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First National Bank in Trinidad
Institution Rating:
B+4.8 ★Texas Ratio: 17.17%
1246 S 2nd St, Raton, NM 87740
18 Month CD
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
On Deposits up to $100,000
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
210 N 5th St, Artesia, NM 88210 2000
IRA Certificates 24 Month
$0
4.58%
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
GECU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.97%
141 N Roadrunner Pkwy, Las Cruces, NM 88011 2000
24-month Jumbo Personal Smart-Step Certificate Account IRA
$50,000
4.02%
▼
Rate3.95%
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
3105 Del Rey Blvd, Las Cruces, NM 88012
IRA/Share Certificates & Business Share Certificates 2 year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000+
High Desert Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
321 S Main Ave, Aztec, NM 87410 2124
IRA Accounts 24 Month CD
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
4170 Northrise, Las Cruces, NM 88011
2 Year Boost Term Share
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
Business Certificates 24 month
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM 87107
24-Month IRA Certificates
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Financial Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1105 W Pierce St, Carlsbad, NM 88220 4014
2 Year Term
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
24 Month Share Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Bonus Rate
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
1st Certificates 24 Month
$250
3.20%
▼
Rate3.15%
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
24-Month Certificate of Deposit
$1,000
2.80%
▼
Rate2.77%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Lea County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1017 N Turner St, Hobbs, NM 88240
IRA 24 mo - 35 mo
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM 88201 5804
24 Month CD
$1,000
2.01%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM 87417
IRA Certificates 2 Year
$500
2.00%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM 88101
24 Month Share Certificates
$0
1.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First National Bank in Trinidad
Institution Rating:
B+4.8 ★Texas Ratio: 17.17%
1246 S 2nd St, Raton, NM 87740
24 Month CD
$1,000
0.70%
▼
Rate0.70%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
On Deposits up to $100,000
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★Texas Ratio: 38.20%
414 10th St, Alamogordo, NM 88310
IRA 36 Month
$500
3.53%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
3105 Del Rey Blvd, Las Cruces, NM 88012
IRA/Share Certificates & Business Share Certificates 3 year
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000+
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
210 N 5th St, Artesia, NM 88210 2000
36 month Share Certificate
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM 87505
36-Month F55 Certificate
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
Business Certificates 36 month
$0
3.41%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
36 Month Share Certificate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Bonus Rate
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM 87107
36-Month Bump IRA Certificates
$500
3.35%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Financial Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1105 W Pierce St, Carlsbad, NM 88220 4014
3 Year Term
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
36 Month Certificate of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
1st Certificates 36 Month
$250
2.99%
▼
Rate2.95%
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
36-Month Certificate of Deposit
$1,000
2.70%
▼
Rate2.67%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Lea County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1017 N Turner St, Hobbs, NM 88240
IRA 36 mo - 47 mo
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Tucumcari Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
301 S 1st St, Tucumcari, NM 88401
3 Year Money Market CD
$0
2.17%
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM 87025 0120
36-Month IRA Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM 88201 5804
36 Month CD
$1,000
2.01%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM 88101
36 Month Share Certificates
$0
1.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
48 Month Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Bonus Rate
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
210 N 5th St, Artesia, NM 88210 2000
48 month Share Certificate
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
4170 Northrise, Las Cruces, NM 88011
4 Year Boost Term Share
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
3105 Del Rey Blvd, Las Cruces, NM 88012
IRA/Share Certificates & Business Share Certificates 4 year
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000+
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM 87107
48-Month IRA Certificates
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
48 Month Certificate of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
Certificates and IRA Certificates - 48 month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000.
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
1st Certificates 48 Month
$250
3.04%
▼
Rate3.00%
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM 87505
48-Month F55 Certificate
$500
2.84%
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
48-Month Certificate of Deposit
$1,000
2.60%
▼
Rate2.57%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Lea County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1017 N Turner St, Hobbs, NM 88240
IRA 48 mo - 59 mo
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM 88201 5804
48 Month CD
$1,000
2.01%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM 88101
48 Month Share Certificates
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
9200 Golf Course Rd NW, Albuquerque, NM 87114 5891
Youth certificate 60-month youth certificate
$0
4.09%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
3105 Del Rey Blvd, Las Cruces, NM 88012
IRA/Share Certificates & Business Share Certificates 5 year
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000+
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
60 Month Share Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Bonus Rate
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
4170 Northrise, Las Cruces, NM 88011
5 Year Boost Term Share
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
210 N 5th St, Artesia, NM 88210 2000
60 month Share Certificate
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM 87107
60-Month IRA Certificates
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
60 Month Certificate of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
Certificates and IRA Certificates - 60 month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000.
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
1st Certificates 60 Month
$250
3.04%
▼
Rate3.00%
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
16 Road 6500, Kirtland, NM 87417
IRA Certificates 5 Year
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
614 Alta Vista St, Santa Fe, NM 87505
60-Month F55 Certificate
$500
2.94%
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
60-Month Certificate of Deposit
$1,000
2.50%
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM 88201 5804
60 Month CD
$1,000
2.01%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
4205 N Prince St, Clovis, NM 88101
60 Month Share Certificates
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Carson, NM CD Rate Trends
Compare local Carson, NM CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — NM Avg
2.437%
▼ 1.013 from last week
New Mexico 12-month CD rates fell 1.013 points this week to 2.437% APY, down from 3.450% last week.
6-Month CD — NM Avg
2.177%
▼ 1.305 from last week
New Mexico 6-month CD rates fell 1.305 points this week to 2.177% APY, down from 3.482% last week.
As of Mar 28, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about CD Rates in Carson, New Mexico
Are CD rates in Carson, New Mexico FDIC insured?
Yes, most established banks in Carson, New Mexico are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Carson, New Mexico?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Carson, New Mexico.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Carson, New Mexico may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Carson, New Mexico?
Here are recent top rates found for this area:
- State Employees Credit Union: 5.00% APY (6 Month Share Certificate)
- Artesia Credit Union: 4.58% APY (IRA Certificates 24 Month)
- GECU Federal Credit Union: 4.35% APY (12-month Jumbo Certificate Individual Retirement Accounts (IRAs))
- Mountain America Federal Credit Union: 4.09% APY (Youth certificate 60-month youth certificate)
- Los Alamos Schools Credit Union: 4.06% APY (12 Month Youth Certificate of Deposit)
- FIRSTLIGHT: 4.05% APY (IRA/Share Certificates & Business Share Certificates 1 year)
- Evolve Federal Credit Union: 3.82% APY (6 Month Boost Term Share)
- Northern New Mexico School Employees Federal Credit Union: 3.81% APY (12-Month F55 Certificate)
- First National Bank Alamogordo, NM: 3.79% APY (IRA 18 Month)
- Del Norte Credit Union: 3.67% APY (Business Certificates 12 month)
Rates reflect recent verified offers available in Carson, New Mexico. Last Updated: March 28, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Carson, New Mexico directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Carson, New Mexico. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in NM.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: March 28, 2026
