Casa Blanca, New Mexico CD rates from banks and credit unions serving New Mexico range from 0.01% to 5.12% APY, verified by MonitorBankRates as of October 14, 2026. Current Casa Blanca, New Mexico CD rates include Northern New Mexico School Employees Federal Credit UnionNorthern New Mexico School Employees Federal Credit UnionA+5.0 ★Texas Ratio: 3.64%Real return: +2.32%APY minus CPI (February 2026) offering 24-Month Share Certificate SPECIAL RATE at 5.12% APY, ZIA Credit UnionZIA Credit UnionA+5.0 ★Texas Ratio: 3.13%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Youth Share Certificate at 5.00% APY, Rio Grande Credit UnionRio Grande Credit UnionA+5.0 ★Texas Ratio: 5.38%Real return: +1.74%APY minus CPI (February 2026) offering 18 Month IRA Share Certificates at 4.54% APY, Mountain America Federal Credit UnionMountain America Federal Credit UnionA5.0 ★Texas Ratio: 9.78%Real return: +1.70%APY minus CPI (February 2026) offering 24 Month Certificate at 4.50% APY, and America First Federal Credit UnionAmerica First Federal Credit UnionA5.0 ★Texas Ratio: 8.33%Real return: +1.70%APY minus CPI (February 2026) offering 60 Month Certificate Account at 4.50% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Casa Blanca is a smaller community with no bank or credit union branches currently in our database. 580 institutions serving the New Mexico area are available to Casa Blanca residents, with CD rates as high as 5.12% APY from Northern New Mexico School Employees Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.
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: October 14, 2026
Limited time special offer; Balance under $100k; Jumbo ($100,000+) balances require a branch; Not available for individual retirement or business accounts; Open Online
Balance: $100,000+ Minimum Balance to obtain APY
$100,000+ Minimum Balance to obtain APY; Penalty may be imposed for early withdrawal
Balance: $10,000+ minimum balance to obtain APY; Minimum balance to open $10,000
$10,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $10,000
Balance: $1,000+ minimum to obtain APY; Minimum balance to open $1,000
Balance: $1,000+ minimum balance to obtain APY; Minimum Balance to Open of $1,000; Early withdrawal penalty may apply
Balances Over $1,000
IRA
Regular
Dividend Rate 3.06%; APY if dividends are not withdrawn during the term
IRA certificate; May be tax deductible, please consult your tax advisor
Kirby Kids certificate available to members enrolled in the Kirby Kids program (ages 12 & under)
Minimum to Open: $1,000
Early Withdrawal Penalty: 90 Days
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Balance: $90,000 +; Renewal Term: 3 Months; $1,000 minimum to open ($500 minimum for minors); A penalty may be assessed for early withdrawal
Balance: $90,000 and over; Renewal Term: 3 Months
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Balance: $100,000 or more; $1,000 opening deposit required
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Balance: $1,000 - $89,999; Renewal Term: 3 Months; $1,000 minimum to open ($500 minimum for minors); A penalty may be assessed for early withdrawal
Balance: $1,000 - $89,999; Renewal Term: 3 Months
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Balance: up to $100,000.00; Rates for ZIP code 60603
Balance: $25,000.00 and above; Standard Rates
Balance: $1,000.00 - $24,999.99; Standard Rates
Balance: $1.00 - $999.99; Standard Rates
Bonus Rate: 5.00%; Early Withdrawal Penalty: 90 Days Interest; Bonus conditions: Active Checking Account +0.10%, Full Direct Deposit +0.10%, Active SECU Credit Card +0.10%, Active Consumer Loan +0.10%, Current Mortgage +0.10%
Dividend Rate 3.93%; APY if dividends are not withdrawn during the term; Business members
Balance: $100,000+ Minimum Balance to obtain APY
$100,000+ Minimum Balance to obtain APY; Penalty may be imposed for early withdrawal
Balance: $10,000+ minimum balance to obtain APY; Minimum balance to open $10,000
$10,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $10,000
Balance: $1,000+ minimum to obtain APY; Minimum balance to open $1,000
Balance: $1,000+ minimum balance to obtain APY; Minimum Balance to Open of $1,000; Early withdrawal penalty may apply
Early withdrawal penalty: 90 Days interest on amount withdrawn; Fixed rate dividends
Term Certificates of Deposit (CD)
Dividend Rate 3.59%; APY if dividends are not withdrawn during the term
APY of; Today's Rates section
Relationship bonus rate (membership rate bonus conditions apply); Early Withdrawal Penalty: 90 Days Interest
Balances Over $1,000
Effective August 21, 2026; Early withdrawal penalties apply
Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.35%; Early withdrawal penalties apply
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
IRA
Regular
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $1,000
Early withdrawal penalty: 1 month interest on amount withdrawn
Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
Early withdrawal penalty: 90 Days Interest; Quarterly dividends
Effective Date: February 28, 2023
Early withdrawal penalty: 1 month interest on amount withdrawn; Rates current as of 10/13/2026; Minimum daily balance required to obtain disclosed APY
Regular share and IRA certificate; Minimum required deposit $1,000
Dividend Rate: 3.00%; Early Withdrawal Penalty- 90 Days; Dividend rates effective April 1, 2025; Certificates which are automatically renewed will receive the rate in effect on the renewal date
IRA certificate; May be tax deductible, please consult your tax advisor
Kirby Kids certificate available to members enrolled in the Kirby Kids program (ages 12 & under)
Minimum to Open: $1,000
Maximum amount accepted $250,000.00
Early withdrawal penalties apply.
Early Withdrawal Penalty: 90 Days
Balance: Over $100,000; 90 Day penalty for early withdrawal
Balance: $1000 - $99,999.99; 90 Day penalty for early withdrawal
Balance: $50,000.00 & Above
Dividend Rate: 4.25%; Early Withdrawal Penalty- 90 Days; Dividend rates effective April 1, 2025; Certificates which are automatically renewed will receive the rate in effect on the renewal date
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Jumbo CD
($10K limit per CD)
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Dividend Rate 3.93%; APY if dividends are not withdrawn during the term
Effective as of May 1, 2023; Dividend Rate; $100,000 minimum opening deposit tier
Term Certificates of Deposit (CD)
Balance: $100,000+ Minimum Balance to obtain APY
$100,000+ Minimum Balance to obtain APY; Penalty may be imposed for early withdrawal
Balance: $10,000+ minimum balance to obtain APY; Minimum balance to open $10,000
$10,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $10,000
Early withdrawal penalty: 90 Days interest on amount withdrawn; Fixed rate dividends
Early withdrawal penalties apply.
Balance: $1,000+ minimum to obtain APY; Minimum balance to open $1,000
Balance: $1,000+ minimum balance to obtain APY; Minimum Balance to Open of $1,000; Early withdrawal penalty may apply
Balance: $1,000 or more
Balances Over $1,000
Balances Over $1,000
Relationship bonus rate (membership rate bonus conditions apply); Early Withdrawal Penalty: 90 Days Interest
Early Withdrawal Penalty: 90 Days
IRA
Regular
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
Effective August 21, 2026; Early withdrawal penalties apply
Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.40%; Early withdrawal penalties apply
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $1,000
IRA certificate; May be tax deductible, please consult your tax advisor
Kirby Kids certificate available to members enrolled in the Kirby Kids program (ages 12 & under)
Minimum to Open: $1,000
Early withdrawal penalty: 3 months interest on amount withdrawn
Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
Bonus Rate: 3.75%; Early Withdrawal Penalty: 90 Days Interest; Bonus conditions: Active Checking Account +0.10%, Full Direct Deposit +0.10%, Active SECU Credit Card +0.10%, Active Consumer Loan +0.10%, Current Mortgage +0.10%
New Money only (funds not currently on deposit with RGCU)
New Money only (**New Money = Funds not currently on deposit with RGCU)
Bump-Up CD; Available for a limited time only!; Increase your rate once during the term of your CD if Capra's rates increase; Valid for new customers to Capra Bank; Must have or open an active Elevate or Summit checking account to obtain CD Special Offer. Restrictions apply.; Available in Dubuque, Lubbock, Albuquerque, and Boise.
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Balance: $100,000+ Minimum Balance to obtain APY
$100,000+ Minimum Balance to obtain APY; Penalty may be imposed for early withdrawal
Balance: $10,000+ minimum balance to obtain APY; Minimum balance to open $10,000
$10,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $10,000
Balance: $1,000+ minimum to obtain APY; Minimum balance to open $1,000
Balance: $1,000+ minimum balance to obtain APY; Minimum Balance to Open of $1,000; Early withdrawal penalty may apply
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
IRA
Regular
Balance: $1,000 minimum - $150,000 maximum; Limited Time Offer
Balances Over $1,000
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
Effective August 21, 2026; Early withdrawal penalties apply
Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.45%; Early withdrawal penalties apply
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $1,000
Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
Early Withdrawal Penalty: 90 Days
Balance: $250,000 and up
Regular share and IRA certificate; Minimum required deposit $1,000
IRA certificate; May be tax deductible, please consult your tax advisor
Kirby Kids certificate available to members enrolled in the Kirby Kids program (ages 12 & under)
Minimum to Open: $1,000
Balance: $150,000-$249,999.99
Term Certificates of Deposit (CD)
Balance: Over $100,000; 90 Day penalty for early withdrawal
Balance: $1000 - $99,999.99; 90 Day penalty for early withdrawal
MemPerx Max Benefit: 2.76%
Balance: $100,000 or more; $1,000 opening deposit required
IRA CD; $1,000 opening deposit required
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Balance: up to $100,000.00; Rates for ZIP code 60603
Balance: On Deposits up to $100,000; Rates effective 10/1/2026
Balance: On Deposits $100,000 and over; Rates effective 10/1/2026
Balance: On Deposits up to $100,000; Rates effective 10/1/2026
Balance: $100,000+ Minimum Balance to obtain APY
$100,000+ Minimum Balance to obtain APY; Penalty may be imposed for early withdrawal
Dividend Rate: 4.10%; Early Withdrawal Penalty- 90 Days; Dividend rates effective April 1, 2025; Certificates which are automatically renewed will receive the rate in effect on the renewal date
Balance: $100,000+; Promotional 2-year share certificate (Consumer and Business) with $100,000 minimum deposit; APY as of 9.4.26; Penalties apply for early withdrawal
Balance: $10,000+ minimum balance to obtain APY; Minimum balance to open $10,000
$10,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $10,000
Dividend Rate 4.03%; APY if dividends are not withdrawn during the term
Balance: $1,000+ minimum to obtain APY; Minimum balance to open $1,000
Balance: $1,000+ minimum balance to obtain APY; Minimum Balance to Open of $1,000; Early withdrawal penalty may apply
Jumbo CD
IRA
Regular
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Balance: $1,000 or more
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
Effective August 21, 2026; Early withdrawal penalties apply
Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.49%; Early withdrawal penalties apply
Early withdrawal penalty: 180 Days interest on amount withdrawn; Fixed rate dividends
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $1,000
Early withdrawal penalty: 3 months interest on amount withdrawn
Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
Early Withdrawal Penalty: 90 Days
Early withdrawal penalty: 3 months interest on amount withdrawn; Rates current as of 10/13/2026; Minimum daily balance required to obtain disclosed APY
Renewal Term: 60 months from initial maturity; Renewal Rate: 0.25% above regularly offered 60 month rate at maturity; Early Withdrawal Penalty: 6 months interest penalty on balance withdrawn
Regular share and IRA certificate; Minimum required deposit $1,000
Relationship bonus rate (membership rate bonus conditions apply); Early Withdrawal Penalty: 180 Days Interest
IRA certificate; May be tax deductible, please consult your tax advisor
Kirby Kids certificate available to members enrolled in the Kirby Kids program (ages 12 & under)
Minimum to Open: $1,000
Early withdrawal penalties apply.
Early withdrawal penalty: 180 Days Interest; Quarterly dividends
Balance: $100,000+ Minimum Balance to obtain APY
$100,000+ Minimum Balance to obtain APY; Penalty may be imposed for early withdrawal
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Balance: $10,000+ minimum balance to obtain APY; Minimum balance to open $10,000
$10,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $10,000
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Balance: $1,000+ minimum to obtain APY; Minimum balance to open $1,000
Balance: $1,000+ minimum balance to obtain APY; Minimum Balance to Open of $1,000; Early withdrawal penalty may apply
Our highest dividends
IRA; Bump
Regular; Bump
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
Dividend Rate 3.59%; APY if dividends are not withdrawn during the term
Effective August 21, 2026; Early withdrawal penalties apply
Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.54%; Early withdrawal penalties apply
Early withdrawal penalty: 3 months interest on amount withdrawn
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $1,000
Early Withdrawal Penalty: 90 Days
Dividend Rate: 3.45%; Early Withdrawal Penalty- 90 Days; Dividend rates effective April 1, 2025; Certificates which are automatically renewed will receive the rate in effect on the renewal date
Early withdrawal penalty: 3 months interest on amount withdrawn; Rates current as of 10/13/2026; Minimum daily balance required to obtain disclosed APY
Renewal Term: 60 months from initial maturity; Renewal Rate: 0.25% above regularly offered 60 month rate at maturity; Early Withdrawal Penalty: 6 months interest penalty on balance withdrawn
Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
Early withdrawal penalty: 180 Days interest on amount withdrawn; Fixed rate dividends
Jumbo CD
Regular share and IRA certificate; Minimum required deposit $1,000
Relationship bonus rate (membership rate bonus conditions apply); Early Withdrawal Penalty: 180 Days Interest
IRA certificate; May be tax deductible, please consult your tax advisor
Kirby Kids certificate available to members enrolled in the Kirby Kids program (ages 12 & under)
Minimum to Open: $1,000
Bonus Rate: 3.40%; Early Withdrawal Penalty: 180 Days Interest; Bonus conditions: Active Checking Account +0.10%, Full Direct Deposit +0.10%, Active SECU Credit Card +0.10%, Active Consumer Loan +0.10%, Current Mortgage +0.10%
Early withdrawal penalty: 180 Days Interest; Quarterly dividends
Early withdrawal penalties apply.
MemPerx Max Benefit: 2.91%
Balances Over $1,000
Balance: $100,000+ Minimum Balance to obtain APY
$100,000+ Minimum Balance to obtain APY; Penalty may be imposed for early withdrawal
Balance: $10,000+ minimum balance to obtain APY; Minimum balance to open $10,000
$10,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $10,000
Balance: $1,000+ minimum to obtain APY; Minimum balance to open $1,000
Balance: $1,000+ minimum balance to obtain APY; Minimum Balance to Open of $1,000; Early withdrawal penalty may apply
IRA
Regular
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
Effective August 21, 2026; Early withdrawal penalties apply
Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.59%; Early withdrawal penalties apply
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $1,000
Jumbo CD
Renewal Term: 60 months from initial maturity; Renewal Rate: 0.25% above regularly offered 60 month rate at maturity; Early Withdrawal Penalty: 6 months interest penalty on balance withdrawn
Dividend Rate 3.45%; APY if dividends are not withdrawn during the term
Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
Dividend Rate: 3.45%; Early Withdrawal Penalty- 90 Days; Dividend rates effective April 1, 2025; Certificates which are automatically renewed will receive the rate in effect on the renewal date
Regular share and IRA certificate; Minimum required deposit $1,000
Early withdrawal penalty: 180 Days interest on amount withdrawn; Fixed rate dividends
IRA certificate; May be tax deductible, please consult your tax advisor
Kirby Kids certificate available to members enrolled in the Kirby Kids program (ages 12 & under)
Minimum to Open: $1,000
Bonus Rate: 3.50%; Early Withdrawal Penalty: 270 Days Interest; Bonus conditions: Active Checking Account +0.10%, Full Direct Deposit +0.10%, Active SECU Credit Card +0.10%, Active Consumer Loan +0.10%, Current Mortgage +0.10%
Relationship bonus rate (membership rate bonus conditions apply); Rising Rate Option available; Early Withdrawal Penalty: 270 Days Interest
Balances Over $1,000
Effective as of May 1, 2023; Dividend Rate
MemPerx Max Benefit: 2.91%
Early withdrawal penalty: 270 Days Interest; Quarterly dividends; Rising Rate option available
Balance: $1,000; Early withdrawal penalty: 270 Days Interest
Balance: Over $100,000; 90 Day penalty for early withdrawal
Balance: $1000 - $99,999.99; 90 Day penalty for early withdrawal
Early Withdrawal Penalty of 60-360 day interest depending on duration
Balance: $100,000 or more; $1,000 opening deposit required
Dividends credited monthly; early-withdrawal penalties may apply
Bump-rate certificate; can increase rate once during term; dividends credited monthly; early-withdrawal penalties may apply; additional deposits up to $10,000 per calendar month
Balance: $100,000+ Minimum Balance to obtain APY
$100,000+ Minimum Balance to obtain APY; Penalty may be imposed for early withdrawal
Balance: $10,000+ minimum balance to obtain APY; Minimum balance to open $10,000
$10,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $10,000
Balance: $1,000+ minimum to obtain APY; Minimum balance to open $1,000
Balance: $1,000+ minimum balance to obtain APY; Minimum Balance to Open of $1,000; Early withdrawal penalty may apply
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
IRA
Regular
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Jumbo CD
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
Effective August 21, 2026; Early withdrawal penalties apply
Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.64%; Early withdrawal penalties apply
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $1,000
Early withdrawal penalty: 6 months interest on amount withdrawn
Balance: over $100,000; Share and IRA Certificates; Early withdrawal penalty may apply
Balance: over $100,000; Early withdrawal penalty may apply
Early withdrawal penalty: 6 months interest on amount withdrawn; Rates current as of 10/13/2026; Minimum daily balance required to obtain disclosed APY
Renewal Term: 60 months from initial maturity; Renewal Rate: 0.25% above regularly offered 60 month rate at maturity; Early Withdrawal Penalty: 6 months interest penalty on balance withdrawn
Dividend Rate 3.50%; APY if dividends are not withdrawn during the term
Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
Balance: $1,000 - $99,999.99; Minimum $1,000 Share Certificate & IRA Certificate; Early withdrawal penalty may apply
Balance: $1,000 - $99,999.99; Share and IRA Certificates; Early withdrawal penalty may apply
Dividend Rate: 3.45%; Early Withdrawal Penalty- 90 Days; Dividend rates effective April 1, 2025; Certificates which are automatically renewed will receive the rate in effect on the renewal date
Regular share and IRA certificate; Minimum required deposit $1,000
Early withdrawal penalty: 180 Days interest on amount withdrawn; Fixed rate dividends
Relationship bonus rate (membership rate bonus conditions apply); Rising Rate Option available; Early Withdrawal Penalty: 270 Days Interest
Bonus rate APY with membership rate bonus conditions (up to 0.10% each, 5 total); Early withdrawal penalty: 270 Days Interest; Rising Rate option available
Bonus Rate: 3.60%; Early Withdrawal Penalty: 270 Days Interest; Bonus conditions: Active Checking Account +0.10%, Full Direct Deposit +0.10%, Active SECU Credit Card +0.10%, Active Consumer Loan +0.10%, Current Mortgage +0.10%
IRA certificate; May be tax deductible, please consult your tax advisor
Kirby Kids certificate available to members enrolled in the Kirby Kids program (ages 12 & under)
Minimum to Open: $1,000
Effective as of May 1, 2023
Effective as of May 1, 2023; Dividend Rate
Compare local Casa Blanca, NM CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
New Mexico 12-month CD rates rose 0.047 points over the past 7 days to 2.967% APY.
New Mexico 6-month CD rates rose 0.060 points over the past 7 days to 2.740% APY.
Where are New Mexico CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
Annual interest earnings at today’s New Mexico average APYs. State average used where available; national average as fallback.
| CD Term | NM Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.972% | $98.59 | $197.17 | $492.92 | $985.85 |
| 6-Month CD | 2.740% | $136.99 | $273.98 | $684.95 | $1,369.90 |
| 12-Month CD | 2.967% | $148.34 | $296.68 | $741.70 | $1,483.40 |
| 18-Month CD | 2.855% | $142.73 | $285.45 | $713.62 | $1,427.25 |
| 24-Month CD | 2.857% | $142.86 | $285.72 | $714.30 | $1,428.60 |
| 36-Month CD | 2.753% | $137.63 | $275.26 | $688.15 | $1,376.30 |
| 48-Month CD | 2.648% | $132.39 | $264.77 | $661.93 | $1,323.85 |
| 60-Month CD | 2.845% | $142.23 | $284.45 | $711.13 | $1,422.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
$25,000 split equally across 5 terms using today’s New Mexico average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | NM Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.972% | $98.59 |
| 2 | 6-Month CD | $5,000 | 2.740% | $136.99 |
| 3 | 12-Month CD | $5,000 | 2.967% | $148.34 |
| 4 | 24-Month CD | $5,000 | 2.857% | $142.86 |
| 5 | 36-Month CD | $5,000 | 2.753% | $137.63 |
| Total ($25,000 invested) | $25,000 | 2.658% blended | $664.41/yr | |
Ladder example uses equal $5,000 rungs and New Mexico average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
MonitorBankRates tracks 538 CD rates from 18 banks and 35 credit unions with locations in Casa Blanca, New Mexico, plus national online institutions available to New Mexico residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Northern New Mexico School Employees Federal Credit Union offers a CD at 5.12% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Casa Blanca, New Mexico.
What to compare when shopping for a CD in Casa Blanca, New Mexico
To find the best APYs in Casa Blanca, New Mexico, start with credit unions and online-only banks: Casa Blanca, New Mexico has 35 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
19.3% of residents are 65 or older, in line with the national average of 17.3%. At today’s NM 12-month CD average of 2.967%, saving 10% of the local median salary ($3,840/year) and putting it in a CD would earn an additional $114 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Casa Blanca, New Mexico typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Casa Blanca, New Mexico as everywhere in the U.S.
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Casa Blanca, New Mexico savers easier access to their funds. For example, State Employees Credit Union is offering its Share Certificates - 6 Month at 4.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Mountain America Federal Credit Union is offering its 60 Month Certificate at 4.50% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Casa Blanca, New Mexico saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Casa Blanca, New Mexico CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Most CDs carry a fixed rate that is locked for the entire term, protecting a Casa Blanca, New Mexico depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Casa Blanca, New Mexico rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
At today’s NM top rate of 5.12% APY, a $10,000 deposit earns $512 in the first year. Enter your amount to see your exact return.
Casa Blanca, New Mexico CD LadderNM CD rates currently range from 1.972% (3-month) to 2.753% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Casa Blanca, New Mexico CD at 5.12% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsNew Mexico’s average 12-month CD is 2.967% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Casa Blanca, New Mexico CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
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Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Casa Blanca, 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 sourcing data 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 Casa Blanca, 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.