Medanales, New Mexico Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio
Editorial Disclosure
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.
Medanales, 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 23, 2026. Current Medanales, 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: +1.42%APY minus CPIRate verified Oct 23, 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: +1.30%APY minus CPIRate verified Oct 19, 2026 offering 12 Month Youth Share Certificate at 5.00% APY, GECU Federal Credit UnionGECU Federal Credit UnionA+5.0 ★Texas Ratio: 5.55%Real return: +1.00%APY minus CPIRate verified Oct 22, 2026 offering Fixed-rate Certificate Account - 12-month Jumbo at 4.70% APY, Rio Grande Credit UnionRio Grande Credit UnionA+5.0 ★Texas Ratio: 5.38%Real return: +0.84%APY minus CPIRate verified Oct 19, 2026 offering 18 Month IRA Share Certificate at 4.54% APY, and Mountain America Federal Credit UnionMountain America Federal Credit UnionA5.0 ★Texas Ratio: 9.78%Real return: +0.80%APY minus CPIRate verified Oct 19, 2026 offering 24 Month Certificate at 4.50% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
Medanales is a smaller community with no bank or credit union branches currently in our database. 700 institutions serving the New Mexico area are available to Medanales 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 23, 2026
Compare Best CD Rates in Medanales, New Mexico & the Surrounding Area
Medanales 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account Special Offer
$500
3.85%
▲ 1.83% above New Mexico avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Mexico Average2.02%▲ 1.83% above avgNationally 2.13%
Details
Balance: under $100k; Limited time special offer; Effective Date: 10/19/2026; Not available for individual retirement or business accounts; Apply online
Rate History
No change since Oct 20, 2026 · 3.85% APY
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3 Month Business Certificates
$100,000
3.67%
▲ 1.65% above New Mexico avg
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.02%▲ 1.65% above avgNationally 2.13%
Details
Minimum balance to obtain APY: $100,000+; Minimum balance to open: $100,000
Rate History
2 changes since Sep 14, 2026 · 3.56% → 3.67% ▲ 0.11 pts · high 3.67% / low 3.56%
- Oct 19, 20263.67%▲ from 3.61%
- Oct 13, 20263.61%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3 Month Certificates and IRA Certificates
$100,000
3.67%
▲ 1.65% above New Mexico avg
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.02%▲ 1.65% above avgNationally 2.13%
Details
Minimum balance $100,000+ to obtain APY; Minimum balance to open $100,000
Rate History
No change since Oct 9, 2026 · 3.67% APY · checked 3 times
Century Bank Santa Fe, NM
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
3 Month CD
$5,000
3.65%
▲ 1.63% above New Mexico avg
▼
Rate3.60%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.02%▲ 1.63% above avgNationally 2.13%
Details
Fixed rate; Must maintain or open a Century Bank checking account; Minimum $5,000 opening deposit from an external source; Early withdrawal penalty may apply; Interest compounded at maturity; Grace period 10 calendar days after maturity; APY accurate as of 4.16.26
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
- Sep 24, 20263.65%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3 Month Business Certificates
$10,000
3.61%
▲ 1.59% above New Mexico avg
▼
Rate3.55%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.02%▲ 1.59% above avgNationally 2.13%
Details
Business Certificates - $10,000+ Minimum Balance
Rate History
No change since Oct 13, 2026 · 3.61% APY · checked 2 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3 Month Certificates and IRA Certificates
$10,000
3.61%
▲ 1.59% above New Mexico avg
▼
Rate3.55%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.02%▲ 1.59% above avgNationally 2.13%
Details
$10,000+ Minimum Balance to obtain APY
Rate History
No change since Oct 9, 2026 · 3.61% APY · checked 3 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3 Month Certificates and IRA Certificates
$1,000
3.56%
▲ 1.54% above New Mexico avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.02%▲ 1.54% above avgNationally 2.13%
Details
$1,000+; Balance: $1,000+ to obtain APY; Minimum Balance to Open of $1,000; Rates current as of October 19, 2026
Rate History
No change since Oct 9, 2026 · 3.56% APY · checked 3 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 3 months
$2,500
3.49%
▲ 1.47% above New Mexico avg
▼
Rate3.45%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.02%▲ 1.47% above avgNationally 2.13%
Details
Fixed rate; Dividend rate 3.45%; Monthly Crediting APY: N/A; Annual/Maturity Crediting APY: 3.49%
Rate History
No change since Oct 22, 2026 · 3.49% APY
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3-Month Certificate of Deposit
$1,000
3.40%
▲ 1.38% above New Mexico avg
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Mexico Average2.02%▲ 1.38% above avgNationally 2.13%
Details
Balance: Over $1,000; Minimum daily balance to obtain APY: $1,000.00; A penalty may be imposed for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 5 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
3 Month Fixed-rate Certificate Account
$2,500
3.39%
▲ 1.37% above New Mexico avg
▼
Rate3.35%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.02%▲ 1.37% above avgNationally 2.13%
Details
APY (Annual/Maturity Crediting)
Rate History
No change since Oct 22, 2026 · 3.39% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 3 months
$2,500
3.34%
▲ 1.32% above New Mexico avg
▼
Rate3.30%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.02%▲ 1.32% above avgNationally 2.13%
Details
Annual/Maturity Crediting APY; Early-withdrawal penalty: 30 days of dividends
Rate History
No change since Oct 22, 2026 · 3.34% APY
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
3 Month IRA Share Certificate
$500
3.30%
▲ 1.28% above New Mexico avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.02%▲ 1.28% above avgNationally 2.13%
Details
Effective Date: Sunday, October 18th, 2026
Rate History
No change since Sep 22, 2026 · 3.30% APY · checked 3 times
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
3 Month Share Certificate
$500
3.30%
▲ 1.28% above New Mexico avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.02%▲ 1.28% above avgNationally 2.13%
Details
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 4 times
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
3 Month IRA Share Certificate
$500
3.20%
▲ 1.18% above New Mexico avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.02%▲ 1.18% above avgNationally 2.13%
Details
IRA certificate; Rates effective as of 9/23/2026
Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 6 times
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Share Certificate - 3-Month
$0
3.20%
▲ 1.18% above New Mexico avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.02%▲ 1.18% above avgNationally 2.13%
Details
Balance: $1,000+ Regular
Rate History
No change since Oct 12, 2026 · 3.20% APY · checked 2 times
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
3 Month Share Certificate
$0
3.20%
▲ 1.18% above New Mexico avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.02%▲ 1.18% above avgNationally 2.13%
Details
Balance: $200,000+; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.20% APY · checked 2 times
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
3 Month Share Certificate
$0
3.14%
▲ 1.12% above New Mexico avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.02%▲ 1.12% above avgNationally 2.13%
Details
Balance: $100,000-$199,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.14% APY · checked 2 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
3 Month Term Share/IRA Jumbo Certificates
$0
3.14%
▲ 1.12% above New Mexico avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.02%▲ 1.12% above avgNationally 2.13%
Details
Balance: $25,000
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 7 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
Term Share/IRA Jumbo Certificates - 3 Months
$0
3.14%
▲ 1.12% above New Mexico avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.02%▲ 1.12% above avgNationally 2.13%
Details
Balance: $25,000
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 3 times
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3 Month Term Certificate
$500
3.10%
▲ 1.08% above New Mexico avg
▼
Rate3.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.02%▲ 1.08% above avgNationally 2.13%
Details
Standard Term Certificate; available to personal and business members
Rate History
No change since Oct 8, 2026 · 3.10% APY · checked 2 times
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
3 Month Share Certificate
$0
3.09%
▲ 1.07% above New Mexico avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.02%▲ 1.07% above avgNationally 2.13%
Details
Balance: $50,000-$99,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.09% APY · checked 2 times
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
3 Month Boost Term Share
$500
3.04%
▲ 1.02% above New Mexico avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.02%▲ 1.02% above avgNationally 2.13%
Details
Rate History
1 change since Sep 25, 2026 · 2.79% → 3.04% ▲ 0.25 pts · high 3.04% / low 2.79%
- Oct 4, 20263.04%▲ from 2.79%
- Sep 25, 20262.79%first recorded
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
3 Month Share Certificate
$0
3.04%
▲ 1.02% above New Mexico avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.02%▲ 1.02% above avgNationally 2.13%
Details
Balance: $10,000-$49,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.04% APY · checked 2 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
1st Certificates - 3 Month
$250
3.04%
▲ 1.02% above New Mexico avg
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.02%▲ 1.02% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 5 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
3 Month IRA Certificates
$500
3.04%
▲ 1.02% above New Mexico avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.02%▲ 1.02% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 3.04% APY · checked 2 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
3 Month Kirby Kid Certificates
$500
3.04%
▲ 1.02% above New Mexico avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.02%▲ 1.02% above avgNationally 2.13%
Details
Kirby Kids certificate available to members enrolled in the Kirby Kids program (ages 12 & under)
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 6 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
Term Share Certificates (TSC) - 3 Months
$1,000
3.04%
▲ 1.02% above New Mexico avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.02%▲ 1.02% above avgNationally 2.13%
Details
Rate and APY as printed in Term Share Certificates table
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 4 times
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
3 Month Certificate of Deposit
$1,000
3.00%
▲ 0.98% above New Mexico avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.02%▲ 0.98% above avgNationally 2.13%
Details
Rates fixed for term; minimum daily balance of $1,000 to obtain disclosed APY
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
3 Month Share Certificate
$0
2.99%
▲ 0.97% above New Mexico avg
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.02%▲ 0.97% above avgNationally 2.13%
Details
Balance: $5,000-$9,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 2.99% APY · checked 2 times
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
3 Month Share Certificate
$0
2.94%
▲ 0.92% above New Mexico avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.02%▲ 0.92% above avgNationally 2.13%
Details
Balance: $500-$4,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 2.94% APY · checked 2 times
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
90 Day Certificate of Deposit
$500
2.52%
▲ 0.50% above New Mexico avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.02%▲ 0.50% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 4 times
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
Certificate of Deposit (CD) - 3 Month
$2,000
2.00%
▼ 0.02% below New Mexico avg
▼
Rate2.00%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.02%▼ 0.02% below avgNationally 2.13%
Details
Early Withdrawal Penalty: 90 Days
Rate History
No change since Oct 23, 2026 · 2.00% APY
Century Bank Santa Fe, NM
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
Certificates of Deposit - 90 Day
$1,000
1.90%
▼ 0.12% below New Mexico avg
▼
Rate1.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.02%▼ 0.12% below avgNationally 2.13%
Details
Fixed rate
Rate History
No change since Oct 22, 2026 · 1.90% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.55%
▼ 0.47% below New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Mexico Average2.02%▼ 0.47% below avgNationally 2.13%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 1.55% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.50%
▼ 0.52% below New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Mexico Average2.02%▼ 0.52% below avgNationally 2.13%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 1.50% APY
City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
90 Day CD's
$1,000
1.36%
▼ 0.66% below New Mexico avg
▼
Rate1.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.02%▼ 0.66% below avgNationally 2.13%
Details
Current as of 5/11/2023
Rate History
No change since Oct 22, 2026 · 1.36% APY
Guadalupe Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificate - 3 Month Royalty
$500
1.05%
▼ 0.97% below New Mexico avg
▼
Rate1.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.02%▼ 0.97% below avgNationally 2.13%
Details
Royalty (Age 65+); Effective Date: October 22nd, 2026; Early Surrender Penalties Apply
Rate History
No change since Oct 22, 2026 · 1.05% APY
Citizens Bank of Clovis
Institution Rating:
A4.8 ★Texas Ratio: 8.65%
Certificate of Deposit - 3 Month
$1,000
1.01%
▼ 1.01% below New Mexico avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.02%▼ 1.01% below avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 1.01% APY · checked 8 times
Guadalupe Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificate - 3 Month
$500
1.00%
▼ 1.02% below New Mexico avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.02%▼ 1.02% below avgNationally 2.13%
Details
Effective Date: October 22nd, 2026; Early Surrender Penalties Apply
Rate History
No change since Oct 22, 2026 · 1.00% APY
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
Individual Retirement Accounts - 90 Day Certificate
$0
0.30%
▼ 1.72% below New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.02%▼ 1.72% below avgNationally 2.13%
Details
Rate History
No change since Oct 15, 2026 · 0.30% APY · checked 2 times
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
90 Day Share Certificate
$0
0.15%
▼ 1.87% below New Mexico avg
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.02%▼ 1.87% below avgNationally 2.13%
Details
Rate History
1 change since Sep 14, 2026 · 0.10% → 0.15% ▲ 0.05 pts · high 0.15% / low 0.10%
- Oct 19, 20260.15%▲ from 0.10%
- Sep 14, 20260.10%first recorded
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$1,000
0.10%
▼ 1.92% below New Mexico avg
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.02%▼ 1.92% below avgNationally 2.13%
Details
Tier: $90,000+; Renewal Term: 3 Months
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 5 times
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
Share Certificate - 90 Day
$0
0.10%
▼ 1.92% below New Mexico avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.02%▼ 1.92% below avgNationally 2.13%
Details
Share Certificate / IRA Share Certificate ($1,000 & Greater); Visit a Branch to Open; Share certificate rates are fixed until maturity; Penalty for early withdrawal may apply; Twelve months and under: three-month interest penalty
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Standard Fixed Rate CD 3 month - Relationship
$2,500
0.06%
▼ 1.96% below New Mexico avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Mexico Average2.02%▼ 1.96% below avgNationally 2.13%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
90 Day Standard CD Products
$1,000
0.06%
▼ 1.96% below New Mexico avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Mexico Average2.02%▼ 1.96% below avgNationally 2.13%
Details
Balance: $100,000 or more
Rate History
No change since Oct 14, 2026 · 0.06% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Standard Fixed Rate CD 3 month
$2,500
0.05%
▼ 1.97% below New Mexico avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Mexico Average2.02%▼ 1.97% below avgNationally 2.13%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$1,000
0.05%
▼ 1.97% below New Mexico avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.02%▼ 1.97% below avgNationally 2.13%
Details
Tier: $1,000+; Renewal Term: 3 Months
Rate History
1 change since Sep 24, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05%
- Oct 7, 20260.05%▼ from 0.10%
- Sep 24, 20260.10%first recorded
US Eagle Federal Credit Union
Institution Rating:
F2.6 ★Texas Ratio: 44.42%
3 Month Share Certificate
$500
0.05%
▼ 1.97% below New Mexico avg
▼
Rate0.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.02%▼ 1.97% below avgNationally 2.13%
Details
Not eligible for MemPerx benefits; Penalty applies for early withdrawal; $500 minimum opening deposit
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 1.97% below New Mexico avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.02%▼ 1.97% below avgNationally 2.13%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3 Month Standard CD
$1,000
0.05%
▼ 1.97% below New Mexico avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.02%▼ 1.97% below avgNationally 2.13%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
Medanales 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
Share Certificates - 6 Month
$0
4.50%
▲ 1.72% above New Mexico avg
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.78%▲ 1.72% above avgNationally 2.78%
Details
Bonus rate: 5.00% with bonus conditions (+0.10% each for Active Checking Account, Full Direct Deposit, Active SECU Credit Card, Active Consumer Loan, Current Mortgage); Early withdrawal penalty: 90 Days Interest; Quarterly Dividends
Rate History
2 changes since Sep 14, 2026 · 4.50% → 4.50% ▼ 0.00 pts · high 4.50% / low 3.14%
- Oct 13, 20264.50%▲ from 3.14%
- Oct 9, 20263.14%▼ from 4.50%
- Sep 14, 20264.50%first recorded
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 6 months
$2,500
4.04%
▲ 1.26% above New Mexico avg
▼
Rate4.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.78%▲ 1.26% above avgNationally 2.78%
Details
Fixed rate; Dividend rate 4.00%; Monthly Crediting APY: N/A; Annual/Maturity Crediting APY: 4.04%
Rate History
No change since Oct 22, 2026 · 4.04% APY
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6 Month Business Term Certificate Promo
$0
4.00%
▲ 1.22% above New Mexico avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.78%▲ 1.22% above avgNationally 2.78%
Details
Balance: $500 minimum; Dividend rate 3.93%, APY 4.00%; Business promo term certificate
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
6 Month Fixed-rate Certificate Account
$2,500
3.94%
▲ 1.16% above New Mexico avg
▼
Rate3.90%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.78%▲ 1.16% above avgNationally 2.78%
Details
APY (Annual/Maturity Crediting)
Rate History
No change since Oct 22, 2026 · 3.94% APY
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
6 Month Business Certificates
$100,000
3.92%
▲ 1.14% above New Mexico avg
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.78%▲ 1.14% above avgNationally 2.78%
Details
Minimum balance to obtain APY: $100,000+; Minimum balance to open: $100,000
Rate History
2 changes since Sep 14, 2026 · 3.56% → 3.92% ▲ 0.36 pts · high 3.92% / low 3.56%
- Oct 19, 20263.92%▲ from 3.87%
- Oct 13, 20263.87%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
6 Month Certificates and IRA Certificates
$100,000
3.92%
▲ 1.14% above New Mexico avg
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.78%▲ 1.14% above avgNationally 2.78%
Details
Minimum balance $100,000+ to obtain APY; Minimum balance to open $100,000
Rate History
No change since Oct 9, 2026 · 3.92% APY · checked 3 times
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6 Month Term Certificate
$500
3.90%
▲ 1.12% above New Mexico avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.78%▲ 1.12% above avgNationally 2.78%
Details
Standard Term Certificate; available to personal and business members
Rate History
1 change since Oct 8, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
- Oct 23, 20263.90%▲ from 3.65%
- Oct 8, 20263.65%first recorded
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 6 months
$2,500
3.89%
▲ 1.11% above New Mexico avg
▼
Rate3.85%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.78%▲ 1.11% above avgNationally 2.78%
Details
Annual/Maturity Crediting APY; Early-withdrawal penalty: 30 days of dividends
Rate History
No change since Oct 22, 2026 · 3.89% APY
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
6 Month Business Certificates
$10,000
3.87%
▲ 1.09% above New Mexico avg
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.78%▲ 1.09% above avgNationally 2.78%
Details
Business Certificates - $10,000+ Minimum Balance
Rate History
No change since Oct 13, 2026 · 3.87% APY · checked 2 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
6 Month Certificates and IRA Certificates
$10,000
3.87%
▲ 1.09% above New Mexico avg
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.78%▲ 1.09% above avgNationally 2.78%
Details
$10,000+ Minimum Balance to obtain APY
Rate History
No change since Oct 9, 2026 · 3.87% APY · checked 3 times
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
6 Month Boost Term Share
$500
3.82%
▲ 1.04% above New Mexico avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.78%▲ 1.04% above avgNationally 2.78%
Details
Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 6 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
6 Month Certificates and IRA Certificates
$1,000
3.82%
▲ 1.04% above New Mexico avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.78%▲ 1.04% above avgNationally 2.78%
Details
$1,000+; Balance: $1,000+ to obtain APY; Minimum Balance to Open of $1,000; Rates current as of October 19, 2026
Rate History
No change since Oct 9, 2026 · 3.82% APY · checked 3 times
Railroad Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Term Share Account - 6 MONTH
$1,000
3.80%
▲ 1.02% above New Mexico avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.78%▲ 1.02% above avgNationally 2.78%
Details
Early withdrawal penalty: 90 Days interest on amount withdrawn
Rate History
No change since Oct 13, 2026 · 3.80% APY · checked 2 times
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
6-Month Certificate
$0
3.75%
▲ 0.97% above New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.78%▲ 0.97% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
- Oct 15, 20263.75%▲ from 3.65%
- Sep 14, 20263.65%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month Term CD
$1,000
3.75%
▲ 0.97% above New Mexico avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.78%▲ 0.97% above avgNationally 2.78%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 6-Month
$1,000
3.75%
▲ 0.97% above New Mexico avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.78%▲ 0.97% above avgNationally 2.78%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 3.75% APY
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
Share Certificate - 6 Month
$0
3.72%
▲ 0.94% above New Mexico avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.78%▲ 0.94% above avgNationally 2.78%
Details
Share Certificate / IRA Share Certificate ($1,000 & Greater); Visit a Branch to Open; Share certificate rates are fixed until maturity; Penalty for early withdrawal may apply; Twelve months and under: three-month interest penalty
Rate History
No change since Sep 14, 2026 · 3.72% APY · checked 3 times
Guadalupe Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificate - 6 Month Royalty
$500
3.66%
▲ 0.88% above New Mexico avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.78%▲ 0.88% above avgNationally 2.78%
Details
Royalty (Age 65+); Effective Date: October 22nd, 2026; Early Surrender Penalties Apply
Rate History
No change since Oct 22, 2026 · 3.66% APY
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6-Month Share Certificate
$500
3.65%
▲ 0.87% above New Mexico avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.78%▲ 0.87% above avgNationally 2.78%
Details
Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 4 times
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
Share Certificate - 6 Month - Bonus Rate
$0
3.64%
▲ 0.86% above New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.78%▲ 0.86% above avgNationally 2.78%
Details
Bonus Rate APY with membership rate bonus conditions (+0.10% each, up to 5: Active Checking Account, Full Direct Deposit, Active SECU Credit Card, Active Consumer Loan, Current Mortgage); Early Withdrawal Penalty: 90 Days Interest
Rate History
1 change since Oct 13, 2026 · 3.60% → 3.64% ▲ 0.04 pts · high 3.64% / low 3.60%
- Oct 19, 20263.64%▲ from 3.60%
- Oct 13, 20263.60%first recorded
Guadalupe Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificate - 6 Month
$500
3.61%
▲ 0.83% above New Mexico avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.78%▲ 0.83% above avgNationally 2.78%
Details
Effective Date: October 22nd, 2026; Early Surrender Penalties Apply
Rate History
No change since Oct 22, 2026 · 3.61% APY
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
6 Month Share Certificate - Bonus Rate
$0
3.60%
▲ 0.82% above New Mexico avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.78%▲ 0.82% above avgNationally 2.78%
Details
Relationship bonus rate (Bonus Rate APY; includes membership rate bonus conditions at 0.10% each, up to 5 total); Early withdrawal penalty: 90 Days Interest
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 2 times
Questa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
CD 6 Months
$1,000
3.55%
▲ 0.77% above New Mexico avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.78%▲ 0.77% above avgNationally 2.78%
Details
Effective Date: May 13, 2025; Early Surrender Penalties Apply; Rates Subject to change without notice
Rate History
No change since Oct 22, 2026 · 3.55% APY
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
6 Month Certificate of Deposit
$0
3.51%
▲ 0.73% above New Mexico avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.78%▲ 0.73% above avgNationally 2.78%
Details
Rate History
1 change since Oct 9, 2026 · 3.51% → 3.51% ▼ 0.00 pts · high 3.51% / low 3.51%
- Oct 19, 20263.51%▼ from 3.51%
- Oct 9, 20263.51%first recorded
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month Certificate of Deposit
$1,000
3.50%
▲ 0.72% above New Mexico avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Mexico Average2.78%▲ 0.72% above avgNationally 2.78%
Details
Balance: Over $1,000; Minimum daily balance to obtain APY: $1,000.00; A penalty may be imposed for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
6 Month Certificate of Deposit
$1,000
3.41%
▲ 0.63% above New Mexico avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.78%▲ 0.63% above avgNationally 2.78%
Details
Rates fixed for term; minimum daily balance of $1,000 to obtain disclosed APY
Rate History
No change since Sep 14, 2026 · 3.41% APY · checked 9 times
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
6 Month Share / IRA Certificate
$1,000
3.40%
▲ 0.62% above New Mexico avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.78%▲ 0.62% above avgNationally 2.78%
Details
Effective August 21, 2026; Dividend rate 3.35%, APY 3.40%
Rate History
No change since Oct 15, 2026 · 3.40% APY · checked 2 times
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
New Share / IRA Certificates - 6 months
$0
3.40%
▲ 0.62% above New Mexico avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.78%▲ 0.62% above avgNationally 2.78%
Details
Effective August 21, 2026; Minimum balance for certificates is $1,000
Rate History
No change since Oct 12, 2026 · 3.40% APY · checked 3 times
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
6 Month IRA Share Certificate
$500
3.40%
▲ 0.62% above New Mexico avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.78%▲ 0.62% above avgNationally 2.78%
Details
Effective Date: Sunday, October 18th, 2026
Rate History
No change since Sep 22, 2026 · 3.40% APY · checked 3 times
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
6 Month Share Certificate
$500
3.40%
▲ 0.62% above New Mexico avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.78%▲ 0.62% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 4 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - Loyalty - 6 Month
$25,000
3.35%
▲ 0.57% above New Mexico avg
▼
Rate3.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.78%▲ 0.57% above avgNationally 2.78%
Details
Loyalty APR and APY; requires a Platinum or Silver Debit Account; minimum required deposit $25,000
Rate History
No change since Sep 17, 2026 · 3.35% APY · checked 9 times
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
6 Month Share Certificate
$0
3.35%
▲ 0.57% above New Mexico avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.78%▲ 0.57% above avgNationally 2.78%
Details
Balance: $200,000+; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.35% APY · checked 2 times
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
6 Month Share Certificate
$0
3.30%
▲ 0.52% above New Mexico avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.78%▲ 0.52% above avgNationally 2.78%
Details
Balance: $100,000-$199,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.30% APY · checked 2 times
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
6-month IRA
$100
3.25%
▲ 0.47% above New Mexico avg
▼
Rate3.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.78%▲ 0.47% above avgNationally 2.78%
Details
Other Fee(s) / Penalties: 1 month interest on amount withdrawn; Fee(s) if Below Minimum Balance:
Rate History
1 change since Sep 30, 2026 · 3.14% → 3.25% ▲ 0.11 pts · high 3.25% / low 3.14%
- Oct 23, 20263.25%▲ from 3.14%
- Sep 30, 20263.14%first recorded
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
6 Month IRA Share Certificate
$500
3.25%
▲ 0.47% above New Mexico avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.78%▲ 0.47% above avgNationally 2.78%
Details
IRA certificate; Rates effective as of 9/23/2026
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 6 times
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Share Certificate - 6-Month
$0
3.25%
▲ 0.47% above New Mexico avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.78%▲ 0.47% above avgNationally 2.78%
Details
Balance: $1,000+ Regular
Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 2 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Share and IRA Certificate 6 Month - Loyalty
$1,000
3.25%
▲ 0.47% above New Mexico avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.78%▲ 0.47% above avgNationally 2.78%
Details
Loyalty APR and APY; requires a Platinum or Silver Debit Account; regular share and IRA certificate; APY based on compounded rate
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 4 times
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
6 Month Share Certificate
$0
3.25%
▲ 0.47% above New Mexico avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.78%▲ 0.47% above avgNationally 2.78%
Details
Balance: $50,000-$99,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
6 Month Share Certificate
$0
3.20%
▲ 0.42% above New Mexico avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.78%▲ 0.42% above avgNationally 2.78%
Details
Balance: $10,000-$49,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.20% APY · checked 2 times
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
6-month CD
$5,000
3.14%
▲ 0.36% above New Mexico avg
▼
Rate3.10%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.78%▲ 0.36% above avgNationally 2.78%
Details
Early withdrawal penalty: 1 month interest on amount withdrawn; Fee(s) if below minimum balance: -; Rates current as of 10/22/2026
Rate History
1 change since Sep 30, 2026 · 3.04% → 3.14% ▲ 0.10 pts · high 3.14% / low 3.04%
- Oct 23, 20263.14%▲ from 3.04%
- Sep 30, 20263.04%first recorded
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - 6 Month
$25,000
3.14%
▲ 0.36% above New Mexico avg
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.78%▲ 0.36% above avgNationally 2.78%
Details
Jumbo share and IRA certificate; minimum required deposit $25,000
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 4 times
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
6 Month Share Certificate
$0
3.14%
▲ 0.36% above New Mexico avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.78%▲ 0.36% above avgNationally 2.78%
Details
Balance: $5,000-$9,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.14% APY · checked 2 times
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
Share Certificate - 6 Month
$0
3.14%
▲ 0.36% above New Mexico avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.78%▲ 0.36% above avgNationally 2.78%
Details
Early Withdrawal Penalty: 90 Days Interest; Quarterly Dividends
Rate History
1 change since Sep 14, 2026 · 1.51% → 3.14% ▲ 1.63 pts · high 3.14% / low 1.51%
- Oct 13, 20263.14%▲ from 1.51%
- Sep 14, 20261.51%first recorded
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
6 Month Term Share/IRA Jumbo Certificates
$0
3.14%
▲ 0.36% above New Mexico avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.78%▲ 0.36% above avgNationally 2.78%
Details
Balance: $25,000
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 7 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
Term Share/IRA Jumbo Certificates - 6 Months
$0
3.14%
▲ 0.36% above New Mexico avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.78%▲ 0.36% above avgNationally 2.78%
Details
Balance: $25,000
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 3 times
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
6 Month Share Certificate
$0
3.09%
▲ 0.31% above New Mexico avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.78%▲ 0.31% above avgNationally 2.78%
Details
Balance: $500-$4,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.09% APY · checked 2 times
Internationalites Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Certificates of Deposit - 6 Month
$1,000
3.04%
▲ 0.26% above New Mexico avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.78%▲ 0.26% above avgNationally 2.78%
Details
Rate History
No change since Oct 12, 2026 · 3.04% APY · checked 2 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Share and IRA Certificate 6 Month
$1,000
3.04%
▲ 0.26% above New Mexico avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.78%▲ 0.26% above avgNationally 2.78%
Details
Regular share and IRA certificate; APY based on compounded rate
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 8 times
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificates - 6 Month
$5,000
3.04%
▲ 0.26% above New Mexico avg
▼
Rate3.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.78%▲ 0.26% above avgNationally 2.78%
Details
Dividend rate 3.00%; Early withdrawal penalty - 90 days; Dividend rates effective April 1, 2025 and subject to change without notice; Certificates automatically renewed receive the rate in effect on the renewal date
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 3 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
1st Certificates - 6 Month
$250
3.04%
▲ 0.26% above New Mexico avg
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.78%▲ 0.26% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 5 times
Medanales 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
12 Month Youth Share Certificate
$300
5.00%
▲ 2.00% above New Mexico avg
▼
Rate4.88%
Min Deposit$300
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average3.00%▲ 2.00% above avgNationally 2.99%
Details
Available to members age 18 or younger; Maximum opening balance $20,000; Only one Youth Share Certificate per qualifying member at a time; Automatically renews each year until account holder reaches age 30, then transfers to Share Savings; APY accurate as of 11/1/2025
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 5 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Fixed-rate Certificate Account - 12-month Jumbo
$50,000
4.70%
▲ 1.70% above New Mexico avg
▼
Rate4.60%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average3.00%▲ 1.70% above avgNationally 2.99%
Details
Jumbo; APY (Monthly Crediting)
Rate History
No change since Oct 22, 2026 · 4.70% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 12-month Jumbo
$50,000
4.70%
▲ 1.70% above New Mexico avg
▼
Rate4.70%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average3.00%▲ 1.70% above avgNationally 2.99%
Details
Jumbo; Fixed rate; Dividend rate 4.70%; Monthly Crediting APY: 4.80%; Annual/Maturity Crediting APY: 4.70%
Rate History
No change since Oct 22, 2026 · 4.70% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 12-month Jumbo
$50,000
4.65%
▲ 1.65% above New Mexico avg
▼
Rate4.55%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average3.00%▲ 1.65% above avgNationally 2.99%
Details
Jumbo; Monthly Crediting APY
Rate History
No change since Oct 22, 2026 · 4.65% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Fixed-rate Certificate Account - 12-month Jumbo
$50,000
4.60%
▲ 1.60% above New Mexico avg
▼
Rate4.60%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average3.00%▲ 1.60% above avgNationally 2.99%
Details
Jumbo; APY (Annual/Maturity Crediting)
Rate History
No change since Oct 22, 2026 · 4.60% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 12 months
$50
4.60%
▲ 1.60% above New Mexico avg
▼
Rate4.60%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average3.00%▲ 1.60% above avgNationally 2.99%
Details
Fixed rate; Dividend rate 4.60%; Monthly Crediting APY: 4.70%; Annual/Maturity Crediting APY: 4.60%
Rate History
No change since Oct 22, 2026 · 4.60% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
12 Month Fixed-rate Certificate Account
$50
4.59%
▲ 1.59% above New Mexico avg
▼
Rate4.50%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average3.00%▲ 1.59% above avgNationally 2.99%
Details
APY (Monthly Crediting)
Rate History
No change since Oct 22, 2026 · 4.59% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 12-month Jumbo
$50,000
4.55%
▲ 1.55% above New Mexico avg
▼
Rate4.55%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average3.00%▲ 1.55% above avgNationally 2.99%
Details
Jumbo; Annual/Maturity Crediting APY
Rate History
No change since Oct 22, 2026 · 4.55% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
12 Month Personal/Business Certificate Account - Monthly Crediting
$50,000
4.54%
▲ 1.54% above New Mexico avg
▼
Rate4.45%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average3.00%▲ 1.54% above avgNationally 2.99%
Details
12-month Jumbo; Fixed rate; APY (Monthly Crediting)
Rate History
No change since Oct 22, 2026 · 4.54% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 12 months
$50
4.54%
▲ 1.54% above New Mexico avg
▼
Rate4.45%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average3.00%▲ 1.54% above avgNationally 2.99%
Details
Monthly Crediting APY
Rate History
No change since Oct 22, 2026 · 4.54% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
12 Month Fixed-rate Certificate Account
$50
4.50%
▲ 1.50% above New Mexico avg
▼
Rate4.50%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average3.00%▲ 1.50% above avgNationally 2.99%
Details
APY (Annual/Maturity Crediting)
Rate History
No change since Oct 22, 2026 · 4.50% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
12 Month Personal/Business Certificate Account
$50,000
4.45%
▲ 1.45% above New Mexico avg
▼
Rate4.45%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average3.00%▲ 1.45% above avgNationally 2.99%
Details
12-month Jumbo; Fixed rate; APY (Annual/Maturity Crediting)
Rate History
No change since Oct 22, 2026 · 4.45% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 12 months
$50
4.45%
▲ 1.45% above New Mexico avg
▼
Rate4.45%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average3.00%▲ 1.45% above avgNationally 2.99%
Details
Annual/Maturity Crediting APY
Rate History
No change since Oct 22, 2026 · 4.45% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
12 Month Personal/Business Certificate Account - Monthly Crediting
$50
4.44%
▲ 1.44% above New Mexico avg
▼
Rate4.35%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average3.00%▲ 1.44% above avgNationally 2.99%
Details
Fixed rate; APY (Monthly Crediting)
Rate History
No change since Oct 22, 2026 · 4.44% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.35% above New Mexico avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Mexico Average3.00%▲ 1.35% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 6 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
12 Month Personal/Business Certificate Account
$50
4.35%
▲ 1.35% above New Mexico avg
▼
Rate4.35%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average3.00%▲ 1.35% above avgNationally 2.99%
Details
Fixed rate; APY (Annual/Maturity Crediting)
Rate History
No change since Oct 22, 2026 · 4.35% APY
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificates - 12 Month
$5,000
4.32%
▲ 1.32% above New Mexico avg
▼
Rate4.25%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average3.00%▲ 1.32% above avgNationally 2.99%
Details
Dividend rate 4.25%; Early withdrawal penalty - 90 days; Dividend rates effective April 1, 2025 and subject to change without notice; Certificates automatically renewed receive the rate in effect on the renewal date
Rate History
No change since Sep 14, 2026 · 4.32% APY · checked 3 times
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
12 Month Term Certificate
$500
4.15%
▲ 1.15% above New Mexico avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average3.00%▲ 1.15% above avgNationally 2.99%
Details
Standard Term Certificate; available to personal and business members
Rate History
1 change since Oct 8, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Oct 23, 20264.15%▲ from 4.00%
- Oct 8, 20264.00%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.10%
▲ 1.10% above New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Mexico Average3.00%▲ 1.10% above avgNationally 2.99%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
1 Year Boost Term Share
$500
4.07%
▲ 1.07% above New Mexico avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average3.00%▲ 1.07% above avgNationally 2.99%
Details
Rate History
1 change since Sep 25, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
- Oct 4, 20264.07%▲ from 3.82%
- Sep 25, 20263.82%first recorded
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
Jumbo CD 12 Month Boost Term Share
$100,000
4.07%
▲ 1.07% above New Mexico avg
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average3.00%▲ 1.07% above avgNationally 2.99%
Details
Balance Required to Earn Interest: $100,000.00
Rate History
No change since Oct 23, 2026 · 4.07% APY
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12 Month Youth Certificate of Deposit
$100
4.06%
▲ 1.06% above New Mexico avg
▼
Rate4.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average3.00%▲ 1.06% above avgNationally 2.99%
Details
$10K limit per CD
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.05%
▲ 1.05% above New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Mexico Average3.00%▲ 1.05% above avgNationally 2.99%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.05% APY
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
12 Month Certificate
$0
4.05%
▲ 1.05% above New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average3.00%▲ 1.05% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
- Oct 5, 20264.05%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month EasyStart Certificate
$50
4.00%
▲ 1.00% above New Mexico avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Mexico Average3.00%▲ 1.00% above avgNationally 2.99%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.00% APY
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12-Month Certificate of Deposit
$1,000
4.00%
▲ 1.00% above New Mexico avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Mexico Average3.00%▲ 1.00% above avgNationally 2.99%
Details
Balance: Over $1,000; Minimum daily balance to obtain APY: $1,000.00; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 21, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12-Month IRA Certificate of Deposit
$1,000
4.00%
▲ 1.00% above New Mexico avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Mexico Average3.00%▲ 1.00% above avgNationally 2.99%
Details
Balance: Over $1,000; Minimum daily balance to obtain APY: $1,000.00 for IRA Accounts; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 21, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Jumbo Certificates - Term Share - 1 Year
$100,000
4.00%
▲ 1.00% above New Mexico avg
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average3.00%▲ 1.00% above avgNationally 2.99%
Details
Minimum Opening Deposit: $100,000
Rate History
No change since Oct 23, 2026 · 4.00% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1-Year Term CD
$1,000
4.00%
▲ 1.00% above New Mexico avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average3.00%▲ 1.00% above avgNationally 2.99%
Details
Rate History
No change since Oct 19, 2026 · 4.00% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 1-Year
$1,000
4.00%
▲ 1.00% above New Mexico avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average3.00%▲ 1.00% above avgNationally 2.99%
Details
Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term
Rate History
No change since Oct 19, 2026 · 4.00% APY
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
12 Month Business Certificates
$100,000
3.92%
▲ 0.92% above New Mexico avg
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average3.00%▲ 0.92% above avgNationally 2.99%
Details
Minimum balance to obtain APY: $100,000+; Minimum balance to open: $100,000
Rate History
2 changes since Sep 14, 2026 · 3.56% → 3.92% ▲ 0.36 pts · high 3.92% / low 3.56%
- Oct 19, 20263.92%▲ from 3.87%
- Oct 13, 20263.87%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
12 Month Certificates and IRA Certificates
$100,000
3.92%
▲ 0.92% above New Mexico avg
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average3.00%▲ 0.92% above avgNationally 2.99%
Details
Minimum balance $100,000+ to obtain APY; Minimum balance to open $100,000
Rate History
No change since Oct 9, 2026 · 3.92% APY · checked 3 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
12 Month Business Certificates
$10,000
3.87%
▲ 0.87% above New Mexico avg
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average3.00%▲ 0.87% above avgNationally 2.99%
Details
Business Certificates - $10,000+ Minimum Balance
Rate History
No change since Oct 13, 2026 · 3.87% APY · checked 2 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
12 Month Certificates and IRA Certificates
$10,000
3.87%
▲ 0.87% above New Mexico avg
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average3.00%▲ 0.87% above avgNationally 2.99%
Details
$10,000+ Minimum Balance to obtain APY
Rate History
No change since Oct 9, 2026 · 3.87% APY · checked 3 times
Railroad Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Term Share Account - 12 MONTH
$1,000
3.85%
▲ 0.85% above New Mexico avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average3.00%▲ 0.85% above avgNationally 2.99%
Details
Early withdrawal penalty: 90 Days interest on amount withdrawn
Rate History
No change since Oct 13, 2026 · 3.85% APY · checked 2 times
Mountain Star Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
12 Month CD
$1,000
3.82%
▲ 0.82% above New Mexico avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average3.00%▲ 0.82% above avgNationally 2.99%
Details
Minimum: $1,000.00 or $2,500.00; Certificate of Deposit; Rates Effective 12/01/2025; Early withdrawal penalties apply
Rate History
No change since Sep 16, 2026 · 3.82% APY · checked 6 times
Mountain Star Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
Term Share Account - 12 Month CD
$0
3.82%
▲ 0.82% above New Mexico avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average3.00%▲ 0.82% above avgNationally 2.99%
Details
Dividends paid quarterly
Rate History
No change since Oct 15, 2026 · 3.82% APY · checked 2 times
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
1 Year Boost Advantage CD Saver
$50
3.82%
▲ 0.82% above New Mexico avg
▼
Rate3.75%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average3.00%▲ 0.82% above avgNationally 2.99%
Details
Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 6 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
12 Month Certificates and IRA Certificates
$1,000
3.82%
▲ 0.82% above New Mexico avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average3.00%▲ 0.82% above avgNationally 2.99%
Details
$1,000+; Balance: $1,000+ to obtain APY; Minimum Balance to Open of $1,000; Rates current as of October 19, 2026
Rate History
No change since Oct 9, 2026 · 3.82% APY · checked 3 times
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
12 Month Certificate of Deposit
$0
3.82%
▲ 0.82% above New Mexico avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average3.00%▲ 0.82% above avgNationally 2.99%
Details
Rate History
1 change since Oct 9, 2026 · 3.82% → 3.82% ▼ 0.00 pts · high 3.82% / low 3.82%
- Oct 19, 20263.82%▼ from 3.82%
- Oct 9, 20263.82%first recorded
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
IRA Accounts - 12 Month CD
$0
3.82%
▲ 0.82% above New Mexico avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average3.00%▲ 0.82% above avgNationally 2.99%
Details
Balance: $1,000 or more
Rate History
1 change since Oct 13, 2026 · 3.82% → 3.82% ▼ 0.00 pts · high 3.82% / low 3.82%
- Oct 19, 20263.82%▼ from 3.82%
- Oct 13, 20263.82%first recorded
Guadalupe Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificate - 12 Month Royalty
$500
3.66%
▲ 0.66% above New Mexico avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average3.00%▲ 0.66% above avgNationally 2.99%
Details
Royalty (Age 65+); Effective Date: October 22nd, 2026; Early Surrender Penalties Apply
Rate History
No change since Oct 22, 2026 · 3.66% APY
Guadalupe Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificate - 12 Month
$500
3.61%
▲ 0.61% above New Mexico avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average3.00%▲ 0.61% above avgNationally 2.99%
Details
Effective Date: October 22nd, 2026; Early Surrender Penalties Apply
Rate History
No change since Oct 22, 2026 · 3.61% APY
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
Share Certificate - 12 Month - Bonus Rate
$0
3.58%
▲ 0.58% above New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average3.00%▲ 0.58% above avgNationally 2.99%
Details
Bonus Rate APY with membership rate bonus conditions (+0.10% each, up to 5: Active Checking Account, Full Direct Deposit, Active SECU Credit Card, Active Consumer Loan, Current Mortgage); Early Withdrawal Penalty: 90 Days Interest
Rate History
1 change since Oct 13, 2026 · 3.55% → 3.58% ▲ 0.03 pts · high 3.58% / low 3.55%
- Oct 19, 20263.58%▲ from 3.55%
- Oct 13, 20263.55%first recorded
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
12-Month Share Certificate
$500
3.56%
▲ 0.56% above New Mexico avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average3.00%▲ 0.56% above avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 3.56% APY · checked 4 times
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
12 Month Share Certificate
$0
3.56%
▲ 0.56% above New Mexico avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average3.00%▲ 0.56% above avgNationally 2.99%
Details
Balance: $200,000+; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.56% APY · checked 2 times
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
12 Month Share Certificate - Bonus Rate
$0
3.55%
▲ 0.55% above New Mexico avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average3.00%▲ 0.55% above avgNationally 2.99%
Details
Relationship bonus rate (Bonus Rate APY; includes membership rate bonus conditions at 0.10% each, up to 5 total); Early withdrawal penalty: 90 Days Interest
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
First National Bank Alamogordo, NM
Institution Rating:
F1.2 ★Texas Ratio: 43.89%
IRA 12 Month
$500
3.53%
▲ 0.53% above New Mexico avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average3.00%▲ 0.53% above avgNationally 2.99%
Details
Early withdrawal penalty may be imposed
Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 5 times
First National Bank Alamogordo, NM
Institution Rating:
F1.2 ★Texas Ratio: 43.89%
ROTH 12 Month
$500
3.53%
▲ 0.53% above New Mexico avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average3.00%▲ 0.53% above avgNationally 2.99%
Details
Early withdrawal penalty may be imposed
Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 5 times
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
12 Month Share Certificate
$0
3.51%
▲ 0.51% above New Mexico avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average3.00%▲ 0.51% above avgNationally 2.99%
Details
Balance: $100,000-$199,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.51% APY · checked 2 times
Medanales 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
18 Month IRA Share Certificate
$500
4.54%
▲ 1.66% above New Mexico avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.88%▲ 1.66% above avgNationally 2.88%
Details
Effective Date: Sunday, October 18th, 2026; New Money rate: funds not currently on deposit with RGCU
Rate History
1 change since Sep 22, 2026 · 4.02% → 4.54% ▲ 0.52 pts · high 4.54% / low 4.02%
- Sep 29, 20264.54%▲ from 4.02%
- Sep 22, 20264.02%first recorded
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
18 Month Share Certificate
$500
4.54%
▲ 1.66% above New Mexico avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.88%▲ 1.66% above avgNationally 2.88%
Details
New Money (**): funds not currently on deposit with RGCU
Rate History
1 change since Sep 18, 2026 · 4.02% → 4.54% ▲ 0.52 pts · high 4.54% / low 4.02%
- Sep 29, 20264.54%▲ from 4.02%
- Sep 18, 20264.02%first recorded
Capra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18-Month Bump-Up CD
$10,000
4.25%
▲ 1.37% above New Mexico avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Mexico Average2.88%▲ 1.37% above avgNationally 2.88%
Details
Available in Dubuque, Lubbock, Albuquerque, and Boise Only; Bump-up: may increase rate once during the term if Capra's rates increase; Valid for new customers; $10,000 minimum opening deposit in new funds required; Must have or open an active Elevate or Summit checking account
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 9 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.15%
▲ 1.27% above New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Mexico Average2.88%▲ 1.27% above avgNationally 2.88%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.15% APY
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
18 Month Certificate
$0
4.15%
▲ 1.27% above New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.88%▲ 1.27% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Oct 5, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.10%
▲ 1.22% above New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Mexico Average2.88%▲ 1.22% above avgNationally 2.88%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 18 months
$1,000
3.95%
▲ 1.07% above New Mexico avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.88%▲ 1.07% above avgNationally 2.88%
Details
Fixed rate; Dividend rate 3.95%; Monthly Crediting APY: 4.02%; Annual/Maturity Crediting APY: 3.95%
Rate History
No change since Oct 22, 2026 · 3.95% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
18 Month Fixed-rate Certificate Account
$1,000
3.92%
▲ 1.04% above New Mexico avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.88%▲ 1.04% above avgNationally 2.88%
Details
APY (Monthly Crediting)
Rate History
No change since Oct 22, 2026 · 3.92% APY
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
18 Month Business Certificates
$100,000
3.92%
▲ 1.04% above New Mexico avg
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.88%▲ 1.04% above avgNationally 2.88%
Details
Minimum balance to obtain APY: $100,000+; Minimum balance to open: $100,000
Rate History
2 changes since Sep 14, 2026 · 3.41% → 3.92% ▲ 0.51 pts · high 3.92% / low 3.41%
- Oct 19, 20263.92%▲ from 3.87%
- Oct 13, 20263.87%▲ from 3.41%
- Sep 14, 20263.41%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
18 Month Certificates and IRA Certificates
$100,000
3.92%
▲ 1.04% above New Mexico avg
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.88%▲ 1.04% above avgNationally 2.88%
Details
Minimum balance $100,000+ to obtain APY; Minimum balance to open $100,000
Rate History
No change since Oct 9, 2026 · 3.92% APY · checked 3 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 18 months
$1,000
3.87%
▲ 0.99% above New Mexico avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.88%▲ 0.99% above avgNationally 2.88%
Details
Monthly Crediting APY
Rate History
No change since Oct 22, 2026 · 3.87% APY
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
18 Month Business Certificates
$10,000
3.87%
▲ 0.99% above New Mexico avg
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.88%▲ 0.99% above avgNationally 2.88%
Details
Business Certificates - $10,000+ Minimum Balance
Rate History
No change since Oct 13, 2026 · 3.87% APY · checked 2 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
18 Month Certificates and IRA Certificates
$10,000
3.87%
▲ 0.99% above New Mexico avg
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.88%▲ 0.99% above avgNationally 2.88%
Details
$10,000+ Minimum Balance to obtain APY
Rate History
No change since Oct 9, 2026 · 3.87% APY · checked 3 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
18 Month Fixed-rate Certificate Account
$1,000
3.85%
▲ 0.97% above New Mexico avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.88%▲ 0.97% above avgNationally 2.88%
Details
APY (Annual/Maturity Crediting)
Rate History
No change since Oct 22, 2026 · 3.85% APY
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
18 Month Certificates and IRA Certificates
$1,000
3.82%
▲ 0.94% above New Mexico avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.88%▲ 0.94% above avgNationally 2.88%
Details
$1,000+; Balance: $1,000+ to obtain APY; Minimum Balance to Open of $1,000; Rates current as of October 19, 2026
Rate History
No change since Oct 9, 2026 · 3.82% APY · checked 3 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 18 months
$1,000
3.80%
▲ 0.92% above New Mexico avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.88%▲ 0.92% above avgNationally 2.88%
Details
Annual/Maturity Crediting APY
Rate History
No change since Oct 22, 2026 · 3.80% APY
First National Bank Alamogordo, NM
Institution Rating:
F1.2 ★Texas Ratio: 43.89%
IRA 18 Month
$500
3.79%
▲ 0.91% above New Mexico avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.88%▲ 0.91% above avgNationally 2.88%
Details
Early withdrawal penalty may be imposed
Rate History
No change since Sep 14, 2026 · 3.79% APY · checked 5 times
First National Bank Alamogordo, NM
Institution Rating:
F1.2 ★Texas Ratio: 43.89%
ROTH 18 Month
$500
3.79%
▲ 0.91% above New Mexico avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.88%▲ 0.91% above avgNationally 2.88%
Details
Early withdrawal penalty may be imposed
Rate History
No change since Sep 14, 2026 · 3.79% APY · checked 5 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
18 Month Personal/Business Certificate Account - Monthly Crediting
$1,000
3.76%
▲ 0.88% above New Mexico avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.88%▲ 0.88% above avgNationally 2.88%
Details
Fixed rate; APY (Monthly Crediting)
Rate History
No change since Oct 22, 2026 · 3.76% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month EasyStart Certificate
$50
3.70%
▲ 0.82% above New Mexico avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Mexico Average2.88%▲ 0.82% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.70% APY
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18-Month Certificate of Deposit
$1,000
3.70%
▲ 0.82% above New Mexico avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Mexico Average2.88%▲ 0.82% above avgNationally 2.88%
Details
Balance: Over $1,000; Minimum daily balance to obtain APY: $1,000.00; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50%
- Oct 21, 20263.70%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
18 Month IRA Share Certificate
$500
3.70%
▲ 0.82% above New Mexico avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.88%▲ 0.82% above avgNationally 2.88%
Details
IRA certificate; Rates effective as of 9/23/2026
Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 6 times
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Share Certificate - 18-Month
$0
3.70%
▲ 0.82% above New Mexico avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.88%▲ 0.82% above avgNationally 2.88%
Details
Balance: $1,000+ Regular
Rate History
No change since Oct 12, 2026 · 3.70% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
18 Month Personal/Business Certificate Account
$1,000
3.70%
▲ 0.82% above New Mexico avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.88%▲ 0.82% above avgNationally 2.88%
Details
Fixed rate; APY (Annual/Maturity Crediting)
Rate History
No change since Oct 22, 2026 · 3.70% APY
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
18 Month Certificate of Deposit
$0
3.61%
▲ 0.73% above New Mexico avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.88%▲ 0.73% above avgNationally 2.88%
Details
Rate History
1 change since Oct 9, 2026 · 3.61% → 3.61% ▼ 0.00 pts · high 3.61% / low 3.61%
- Oct 19, 20263.61%▼ from 3.61%
- Oct 9, 20263.61%first recorded
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
18 Month Promotional Term Share Certificates
$1,000
3.60%
▲ 0.72% above New Mexico avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.88%▲ 0.72% above avgNationally 2.88%
Details
$1,000 minimum - $150,000 maximum; Dividend Rate 3.54%
Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 2 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - Loyalty - 18 Month
$25,000
3.50%
▲ 0.62% above New Mexico avg
▼
Rate3.45%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.88%▲ 0.62% above avgNationally 2.88%
Details
Loyalty APR and APY; requires a Platinum or Silver Debit Account; minimum required deposit $25,000
Rate History
1 change since Sep 17, 2026 · 3.45% → 3.50% ▲ 0.05 pts · high 3.50% / low 3.45%
- Sep 18, 20263.50%▲ from 3.45%
- Sep 17, 20263.45%first recorded
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
18 Month Share / IRA Certificate
$1,000
3.50%
▲ 0.62% above New Mexico avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.88%▲ 0.62% above avgNationally 2.88%
Details
Effective August 21, 2026; Dividend rate 3.45%, APY 3.50%
Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 2 times
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
New Share / IRA Certificates - 18 months
$0
3.50%
▲ 0.62% above New Mexico avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.88%▲ 0.62% above avgNationally 2.88%
Details
Effective August 21, 2026; Minimum balance for certificates is $1,000
Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 3 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Share and IRA Certificate 18 Month - Loyalty
$1,000
3.40%
▲ 0.52% above New Mexico avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.88%▲ 0.52% above avgNationally 2.88%
Details
Loyalty APR and APY; requires a Platinum or Silver Debit Account; regular share and IRA certificate; APY based on compounded rate
Rate History
No change since Oct 8, 2026 · 3.40% APY · checked 4 times
Questa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
CD 18 Months
$1,000
3.36%
▲ 0.48% above New Mexico avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.88%▲ 0.48% above avgNationally 2.88%
Details
Effective Date: May 13, 2025; Early Surrender Penalties Apply; Rates Subject to change without notice
Rate History
No change since Oct 22, 2026 · 3.36% APY
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - 18 Month
$25,000
3.30%
▲ 0.42% above New Mexico avg
▼
Rate3.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.88%▲ 0.42% above avgNationally 2.88%
Details
Jumbo share and IRA certificate; minimum required deposit $25,000
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.30% ▲ 0.05 pts · high 3.30% / low 3.25%
- Oct 12, 20263.30%▲ from 3.25%
- Sep 14, 20263.25%first recorded
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
18 Month Term Share/IRA Jumbo Certificates
$0
3.30%
▲ 0.42% above New Mexico avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.88%▲ 0.42% above avgNationally 2.88%
Details
Balance: $25,000
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
Term Share/IRA Jumbo Certificates - 18 Months
$0
3.30%
▲ 0.42% above New Mexico avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.88%▲ 0.42% above avgNationally 2.88%
Details
Balance: $25,000
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 3 times
Centinel Bank of Taos
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
18 Month IRA Certificate of Deposit
$0
3.25%
▲ 0.37% above New Mexico avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.88%▲ 0.37% above avgNationally 2.88%
Details
Penalty may be imposed for early withdrawal
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
Certificate of Deposit (CD) - 18 Month
$2,000
3.25%
▲ 0.37% above New Mexico avg
▼
Rate3.25%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.88%▲ 0.37% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 90 Days
Rate History
No change since Oct 23, 2026 · 3.25% APY
Financial Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
18 Month Term
$0
3.23%
▲ 0.35% above New Mexico avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.88%▲ 0.35% above avgNationally 2.88%
Details
Balance: $250,000 and up; Tier 2; Term Share Rates and Terms effective July 1, 2026
Rate History
No change since Oct 13, 2026 · 3.23% APY · checked 2 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Share and IRA Certificate 18 Month
$1,000
3.20%
▲ 0.32% above New Mexico avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.88%▲ 0.32% above avgNationally 2.88%
Details
Regular share and IRA certificate; APY based on compounded rate
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 8 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
18 Month IRA Certificates
$500
3.20%
▲ 0.32% above New Mexico avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.88%▲ 0.32% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.20% APY · checked 2 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
18 Month Kirby Kid Certificates
$500
3.20%
▲ 0.32% above New Mexico avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.88%▲ 0.32% above avgNationally 2.88%
Details
Kirby Kids certificate available to members enrolled in the Kirby Kids program (ages 12 & under)
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 6 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
1st Certificates - 18 Month
$250
3.20%
▲ 0.32% above New Mexico avg
▼
Rate3.15%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.88%▲ 0.32% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 5 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
Term Share Certificates (TSC) - 18 Months
$1,000
3.20%
▲ 0.32% above New Mexico avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.88%▲ 0.32% above avgNationally 2.88%
Details
Rate and APY as printed in Term Share Certificates table
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 4 times
Financial Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
18 Month Term
$0
3.13%
▲ 0.25% above New Mexico avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.88%▲ 0.25% above avgNationally 2.88%
Details
Balance: $150,000-$249,999.99; Tier 1; Term Share Rates and Terms effective July 1, 2026
Rate History
No change since Oct 13, 2026 · 3.13% APY · checked 2 times
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Share Certificate - 18 months
$500
3.04%
▲ 0.16% above New Mexico avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.88%▲ 0.16% above avgNationally 2.88%
Details
Minimum opening deposit $500
Rate History
No change since Sep 25, 2026 · 3.04% APY · checked 5 times
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
18 Month Certificate of Deposit
$1,000
3.00%
▲ 0.12% above New Mexico avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.88%▲ 0.12% above avgNationally 2.88%
Details
Rates fixed for term; minimum daily balance of $1,000 to obtain disclosed APY
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
Tucumcari Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Variable IRA- 18 Month
$0
2.84%
▼ 0.04% below New Mexico avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.88%▼ 0.04% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.84% APY · checked 8 times
City Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
18 Month CD's
$1,000
2.82%
▼ 0.06% below New Mexico avg
▼
Rate2.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.88%▼ 0.06% below avgNationally 2.88%
Details
Current as of 5/11/2023
Rate History
No change since Oct 22, 2026 · 2.82% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
18-Month Term CD
$1,000
2.75%
▼ 0.13% below New Mexico avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.88%▼ 0.13% below avgNationally 2.88%
Details
Rate History
No change since Oct 19, 2026 · 2.75% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 18-Month
$1,000
2.75%
▼ 0.13% below New Mexico avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.88%▼ 0.13% below avgNationally 2.88%
Details
Minimum of $1,000 to open your account; 18-Month CD renews as a 2-Year Term CD at the then-published APY
Rate History
No change since Oct 19, 2026 · 2.75% APY
LOCO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.67%
18 Month Jumbo Certificate
$0
2.37%
▼ 0.51% below New Mexico avg
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.88%▼ 0.51% below avgNationally 2.88%
Details
Over $100,000; Balance: Over $100,000; 90 Day penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 2.37% APY · checked 8 times
Medanales 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
24-Month Share Certificate SPECIAL RATE
$500
5.12%
▲ 2.20% above New Mexico avg
▼
Rate5.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.92%▲ 2.20% above avgNationally 2.90%
Details
Rate History
No change since Oct 12, 2026 · 5.12% APY · checked 3 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Personal Smart-Step Certificate Account IRA (Variable rate) - 24-month Jumbo
$50,000
4.54%
▲ 1.62% above New Mexico avg
▼
Rate4.45%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.92%▲ 1.62% above avgNationally 2.90%
Details
Senior Privilege Accounts; Jumbo tier; APY (Annual/Maturity Crediting): N/A
Rate History
No change since Oct 22, 2026 · 4.54% APY
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
24 Month Certificate
$0
4.50%
▲ 1.58% above New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.92%▲ 1.58% above avgNationally 2.90%
Details
Most Popular
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 5, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 24 months
$1,000
4.45%
▲ 1.53% above New Mexico avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.92%▲ 1.53% above avgNationally 2.90%
Details
Fixed rate; Dividend rate 4.45%; Monthly Crediting APY: 4.54%; Annual/Maturity Crediting APY: 4.45%
Rate History
No change since Oct 22, 2026 · 4.45% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
24 Month Fixed-rate Certificate Account
$1,000
4.44%
▲ 1.52% above New Mexico avg
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.92%▲ 1.52% above avgNationally 2.90%
Details
APY (Monthly Crediting)
Rate History
No change since Oct 22, 2026 · 4.44% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
24 Month Personal Smart-Step Certificate Account IRA (Variable rate)
$2,500
4.44%
▲ 1.52% above New Mexico avg
▼
Rate4.35%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.92%▲ 1.52% above avgNationally 2.90%
Details
Senior Privilege Accounts; APY (Annual/Maturity Crediting): N/A
Rate History
No change since Oct 22, 2026 · 4.44% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Personal Smart-Step Certificate Account (Variable rate) - 24-month Jumbo
$0
4.44%
▲ 1.52% above New Mexico avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.92%▲ 1.52% above avgNationally 2.90%
Details
Jumbo; Variable rate; APY (Monthly Crediting); Senior Privilege Accounts
Rate History
No change since Oct 22, 2026 · 4.44% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 24 months
$1,000
4.39%
▲ 1.47% above New Mexico avg
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.92%▲ 1.47% above avgNationally 2.90%
Details
Monthly Crediting APY
Rate History
No change since Oct 22, 2026 · 4.39% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
24 Month Fixed-rate Certificate Account
$1,000
4.35%
▲ 1.43% above New Mexico avg
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.92%▲ 1.43% above avgNationally 2.90%
Details
APY (Annual/Maturity Crediting)
Rate History
No change since Oct 22, 2026 · 4.35% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
24 Month Personal Smart-Step Certificate Account (Variable rate)
$0
4.33%
▲ 1.41% above New Mexico avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.92%▲ 1.41% above avgNationally 2.90%
Details
Variable rate; APY (Monthly Crediting); Senior Privilege Accounts
Rate History
No change since Oct 22, 2026 · 4.33% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 24 months
$1,000
4.30%
▲ 1.38% above New Mexico avg
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.92%▲ 1.38% above avgNationally 2.90%
Details
Annual/Maturity Crediting APY
Rate History
No change since Oct 22, 2026 · 4.30% APY
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
Share Certificate - 24 Month
$0
4.29%
▲ 1.37% above New Mexico avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.92%▲ 1.37% above avgNationally 2.90%
Details
Share Certificate / IRA Share Certificate ($1,000 & Greater); Visit a Branch to Open; Share certificate rates are fixed until maturity; Penalty for early withdrawal may apply; Over twelve months: six-month interest penalty
Rate History
No change since Sep 14, 2026 · 4.29% APY · checked 3 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
24 Month Personal/Business Certificate Account - Monthly Crediting
$1,000
4.28%
▲ 1.36% above New Mexico avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.92%▲ 1.36% above avgNationally 2.90%
Details
Fixed rate; APY (Monthly Crediting)
Rate History
No change since Oct 22, 2026 · 4.28% APY
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
24 Month Term Certificate
$500
4.25%
▲ 1.33% above New Mexico avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.92%▲ 1.33% above avgNationally 2.90%
Details
Standard Term Certificate; available to personal and business members
Rate History
1 change since Oct 8, 2026 · 4.11% → 4.25% ▲ 0.14 pts · high 4.25% / low 4.11%
- Oct 23, 20264.25%▲ from 4.11%
- Oct 8, 20264.11%first recorded
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
24 Month Personal/Business Certificate Account
$1,000
4.20%
▲ 1.28% above New Mexico avg
▼
Rate4.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.92%▲ 1.28% above avgNationally 2.90%
Details
Fixed rate; APY (Annual/Maturity Crediting)
Rate History
No change since Oct 22, 2026 · 4.20% APY
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
24 Month Business Certificates
$100,000
4.18%
▲ 1.26% above New Mexico avg
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.92%▲ 1.26% above avgNationally 2.90%
Details
Minimum balance to obtain APY: $100,000+; Minimum balance to open: $100,000
Rate History
2 changes since Sep 14, 2026 · 3.30% → 4.18% ▲ 0.88 pts · high 4.18% / low 3.30%
- Oct 19, 20264.18%▲ from 4.13%
- Oct 13, 20264.13%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
24 Month Certificates and IRA Certificates
$100,000
4.18%
▲ 1.26% above New Mexico avg
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.92%▲ 1.26% above avgNationally 2.90%
Details
Minimum balance $100,000+ to obtain APY; Minimum balance to open $100,000
Rate History
No change since Oct 9, 2026 · 4.18% APY · checked 3 times
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificates - 24 Month
$5,000
4.16%
▲ 1.24% above New Mexico avg
▼
Rate4.10%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.92%▲ 1.24% above avgNationally 2.90%
Details
Dividend rate 4.10%; Early withdrawal penalty - 90 days; Dividend rates effective April 1, 2025 and subject to change without notice; Certificates automatically renewed receive the rate in effect on the renewal date
Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 3 times
FirstLight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
2 Year Certificate
$0
4.15%
▲ 1.23% above New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.92%▲ 1.23% above avgNationally 2.90%
Details
Balance: $100,000+; Promotional rate as of 9.4.26 on a limited-time 2-year share certificate (Consumer and Business) with $100,000 minimum deposit; subject to change; penalties apply for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
24 Month Business Certificates
$10,000
4.13%
▲ 1.21% above New Mexico avg
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.92%▲ 1.21% above avgNationally 2.90%
Details
Business Certificates - $10,000+ Minimum Balance
Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 2 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
24 Month Certificates and IRA Certificates
$10,000
4.13%
▲ 1.21% above New Mexico avg
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.92%▲ 1.21% above avgNationally 2.90%
Details
$10,000+ Minimum Balance to obtain APY
Rate History
No change since Oct 9, 2026 · 4.13% APY · checked 3 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
24 Month Certificates and IRA Certificates
$1,000
4.08%
▲ 1.16% above New Mexico avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.92%▲ 1.16% above avgNationally 2.90%
Details
$1,000+; Balance: $1,000+ to obtain APY; Minimum Balance to Open of $1,000; Rates current as of October 19, 2026
Rate History
No change since Oct 9, 2026 · 4.08% APY · checked 3 times
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
Jumbo CD 24 Month Boost Term Share
$100,000
4.07%
▲ 1.15% above New Mexico avg
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.92%▲ 1.15% above avgNationally 2.90%
Details
Balance Required to Earn Interest: $100,000.00
Rate History
No change since Oct 23, 2026 · 4.07% APY
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
2 Year Boost Term Share
$500
3.82%
▲ 0.90% above New Mexico avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.92%▲ 0.90% above avgNationally 2.90%
Details
Rate History
1 change since Sep 25, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
- Oct 4, 20263.82%▲ from 3.56%
- Sep 25, 20263.56%first recorded
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
24 Month IRA Share Certificate
$500
3.75%
▲ 0.83% above New Mexico avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.92%▲ 0.83% above avgNationally 2.90%
Details
IRA certificate; Rates effective as of 9/23/2026
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 6 times
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Share Certificate - 24-Month
$0
3.75%
▲ 0.83% above New Mexico avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.92%▲ 0.83% above avgNationally 2.90%
Details
Balance: $1,000+ Regular
Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month Short-Term Certificate
$0
3.70%
▲ 0.78% above New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Mexico Average2.92%▲ 0.78% above avgNationally 2.90%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 3.70% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month Short-Term Certificate
$0
3.66%
▲ 0.74% above New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Mexico Average2.92%▲ 0.74% above avgNationally 2.90%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 3.66% APY
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
24 Month Share Certificate
$0
3.66%
▲ 0.74% above New Mexico avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.92%▲ 0.74% above avgNationally 2.90%
Details
Balance: $200,000+; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.66% APY · checked 2 times
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
24 Month Share Certificate
$0
3.61%
▲ 0.69% above New Mexico avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.92%▲ 0.69% above avgNationally 2.90%
Details
Balance: $100,000-$199,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.61% APY · checked 2 times
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
24 Month Certificate of Deposit
$0
3.61%
▲ 0.69% above New Mexico avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.92%▲ 0.69% above avgNationally 2.90%
Details
Rate History
1 change since Oct 9, 2026 · 3.61% → 3.61% ▼ 0.00 pts · high 3.61% / low 3.61%
- Oct 19, 20263.61%▼ from 3.61%
- Oct 9, 20263.61%first recorded
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
IRA Accounts - 24 Month CD
$0
3.61%
▲ 0.69% above New Mexico avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.92%▲ 0.69% above avgNationally 2.90%
Details
Balance: $1,000 or more
Rate History
1 change since Oct 13, 2026 · 3.61% → 3.61% ▼ 0.00 pts · high 3.61% / low 3.61%
- Oct 19, 20263.61%▼ from 3.61%
- Oct 13, 20263.61%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month EasyStart Certificate
$50
3.60%
▲ 0.68% above New Mexico avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Mexico Average2.92%▲ 0.68% above avgNationally 2.90%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.60% APY
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2-year IRA
$100
3.56%
▲ 0.64% above New Mexico avg
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.92%▲ 0.64% above avgNationally 2.90%
Details
Other Fee(s) / Penalties: 3 months interest on amount withdrawn; Fee(s) if Below Minimum Balance:
Rate History
1 change since Sep 30, 2026 · 3.35% → 3.56% ▲ 0.21 pts · high 3.56% / low 3.35%
- Oct 23, 20263.56%▲ from 3.35%
- Sep 30, 20263.35%first recorded
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - Loyalty - 2 Year
$25,000
3.56%
▲ 0.64% above New Mexico avg
▼
Rate3.50%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.92%▲ 0.64% above avgNationally 2.90%
Details
Loyalty APR and APY; requires a Platinum or Silver Debit Account; minimum required deposit $25,000
Rate History
1 change since Sep 17, 2026 · 3.51% → 3.56% ▲ 0.05 pts · high 3.56% / low 3.51%
- Sep 18, 20263.56%▲ from 3.51%
- Sep 17, 20263.51%first recorded
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
24 Month Share Certificate
$0
3.56%
▲ 0.64% above New Mexico avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.92%▲ 0.64% above avgNationally 2.90%
Details
Balance: $50,000-$99,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.56% APY · checked 2 times
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
24 Month Share / IRA Certificate
$1,000
3.55%
▲ 0.63% above New Mexico avg
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.92%▲ 0.63% above avgNationally 2.90%
Details
Effective August 21, 2026; Dividend rate 3.49%, APY 3.55%
Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 2 times
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
New Share / IRA Certificates - 24 months
$0
3.55%
▲ 0.63% above New Mexico avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.92%▲ 0.63% above avgNationally 2.90%
Details
Effective August 21, 2026; Minimum balance for certificates is $1,000
Rate History
No change since Oct 12, 2026 · 3.55% APY · checked 3 times
Railroad Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Term Share Account - 24 MONTH
$1,000
3.55%
▲ 0.63% above New Mexico avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.92%▲ 0.63% above avgNationally 2.90%
Details
Early withdrawal penalty: 180 Days interest on amount withdrawn
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
24 Month Share Certificate
$0
3.51%
▲ 0.59% above New Mexico avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.92%▲ 0.59% above avgNationally 2.90%
Details
Balance: $10,000-$49,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.51% APY · checked 2 times
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
24 Month IRA Share Certificate
$500
3.51%
▲ 0.59% above New Mexico avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.92%▲ 0.59% above avgNationally 2.90%
Details
Effective Date: Sunday, October 18th, 2026
Rate History
No change since Sep 22, 2026 · 3.51% APY · checked 3 times
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
24 Month Share Certificate
$500
3.51%
▲ 0.59% above New Mexico avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.92%▲ 0.59% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 3.51% APY · checked 4 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Share and IRA Certificate 2 Year - Loyalty
$1,000
3.45%
▲ 0.53% above New Mexico avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.92%▲ 0.53% above avgNationally 2.90%
Details
Loyalty APR and APY; requires a Platinum or Silver Debit Account; regular share and IRA certificate; APY based on compounded rate
Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 4 times
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
24 Month Share Certificate
$0
3.45%
▲ 0.53% above New Mexico avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.92%▲ 0.53% above avgNationally 2.90%
Details
Balance: $5,000-$9,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.45% APY · checked 2 times
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
24 Month Share Certificate
$0
3.40%
▲ 0.48% above New Mexico avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.92%▲ 0.48% above avgNationally 2.90%
Details
Balance: $500-$4,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.40% APY · checked 2 times
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2-year CD
$5,000
3.35%
▲ 0.43% above New Mexico avg
▼
Rate3.30%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.92%▲ 0.43% above avgNationally 2.90%
Details
Early withdrawal penalty: 3 months interest on amount withdrawn; Fee(s) if below minimum balance: -; Rates current as of 10/22/2026
Rate History
1 change since Sep 30, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25%
- Oct 23, 20263.35%▲ from 3.25%
- Sep 30, 20263.25%first recorded
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
5 Year CD Ladder - 2 Year Ladder
$5,000
3.35%
▲ 0.43% above New Mexico avg
▼
Rate3.30%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.92%▲ 0.43% above avgNationally 2.90%
Details
Initial Rate 3.30%, Initial APY 3.35%; Renewal: 60 months from initial maturity at 0.25% above regularly offered 60 month rate; Early withdrawal: 6 months interest penalty on balance withdrawn; Minimum to open and minimum to obtain stated APY $5,000.00
Rate History
1 change since Sep 30, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25%
- Oct 23, 20263.35%▲ from 3.25%
- Sep 30, 20263.25%first recorded
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - 2 Year
$25,000
3.35%
▲ 0.43% above New Mexico avg
▼
Rate3.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.92%▲ 0.43% above avgNationally 2.90%
Details
Jumbo share and IRA certificate; minimum required deposit $25,000
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.35% ▲ 0.05 pts · high 3.35% / low 3.30%
- Oct 12, 20263.35%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
Certificate of Deposit (CD) - 24 Month
$2,000
3.35%
▲ 0.43% above New Mexico avg
▼
Rate3.35%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.92%▲ 0.43% above avgNationally 2.90%
Details
Early Withdrawal Penalty: 90 Days
Rate History
No change since Oct 23, 2026 · 3.35% APY
Guadalupe Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificate - 24 Month Royalty
$500
3.35%
▲ 0.43% above New Mexico avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.92%▲ 0.43% above avgNationally 2.90%
Details
Royalty (Age 65+); Effective Date: October 22nd, 2026; Early Surrender Penalties Apply
Rate History
No change since Oct 22, 2026 · 3.35% APY
Medanales 36 Month CD Rates
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: 3.00%
36 Month Business Certificates
$100,000
4.18%
▲ 1.34% above New Mexico avg
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.84%▲ 1.34% above avgNationally 2.81%
Details
Minimum balance to obtain APY: $100,000+; Minimum balance to open: $100,000
Rate History
2 changes since Sep 14, 2026 · 3.25% → 4.18% ▲ 0.93 pts · high 4.18% / low 3.25%
- Oct 19, 20264.18%▲ from 4.13%
- Oct 13, 20264.13%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
36 Month Certificates and IRA Certificates
$100,000
4.18%
▲ 1.34% above New Mexico avg
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.84%▲ 1.34% above avgNationally 2.81%
Details
Minimum balance $100,000+ to obtain APY; Minimum balance to open $100,000
Rate History
No change since Oct 9, 2026 · 4.18% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.15%
▲ 1.31% above New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Mexico Average2.84%▲ 1.31% above avgNationally 2.81%
Details
Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.15% APY
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
36 Month Business Certificates
$10,000
4.13%
▲ 1.29% above New Mexico avg
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.84%▲ 1.29% above avgNationally 2.81%
Details
Business Certificates - $10,000+ Minimum Balance
Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 2 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
36 Month Certificates and IRA Certificates
$10,000
4.13%
▲ 1.29% above New Mexico avg
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.84%▲ 1.29% above avgNationally 2.81%
Details
$10,000+ Minimum Balance to obtain APY
Rate History
No change since Oct 9, 2026 · 4.13% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.10%
▲ 1.26% above New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Mexico Average2.84%▲ 1.26% above avgNationally 2.81%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.10% APY
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
36 Month Certificates and IRA Certificates
$1,000
4.08%
▲ 1.24% above New Mexico avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.84%▲ 1.24% above avgNationally 2.81%
Details
$1,000+; Balance: $1,000+ to obtain APY; Minimum Balance to Open of $1,000; Rates current as of October 19, 2026
Rate History
No change since Oct 9, 2026 · 4.08% APY · checked 3 times
Santa Fe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
6 - 36 Month Certificates of Deposit
$500
4.07%
▲ 1.23% above New Mexico avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.84%▲ 1.23% above avgNationally 2.81%
Details
Our highest dividends; View More Perks!
Rate History
No change since Oct 15, 2026 · 4.07% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 36 months
$1,000
3.90%
▲ 1.06% above New Mexico avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.84%▲ 1.06% above avgNationally 2.81%
Details
Fixed rate; Dividend rate 3.90%; Monthly Crediting APY: 3.97%; Annual/Maturity Crediting APY: 3.90%
Rate History
No change since Oct 22, 2026 · 3.90% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
36 Month Fixed-rate Certificate Account
$1,000
3.87%
▲ 1.03% above New Mexico avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.84%▲ 1.03% above avgNationally 2.81%
Details
APY (Monthly Crediting)
Rate History
No change since Oct 22, 2026 · 3.87% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 36 months
$1,000
3.82%
▲ 0.98% above New Mexico avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.84%▲ 0.98% above avgNationally 2.81%
Details
Monthly Crediting APY
Rate History
No change since Oct 22, 2026 · 3.82% APY
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
36-Month Bump IRA Certificate
$0
3.80%
▲ 0.96% above New Mexico avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.84%▲ 0.96% above avgNationally 2.81%
Details
IRA Certificate; minimum $500+ IRA
Rate History
No change since Oct 23, 2026 · 3.80% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
36 Month Fixed-rate Certificate Account
$1,000
3.80%
▲ 0.96% above New Mexico avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.84%▲ 0.96% above avgNationally 2.81%
Details
APY (Annual/Maturity Crediting)
Rate History
No change since Oct 22, 2026 · 3.80% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 36 months
$1,000
3.75%
▲ 0.91% above New Mexico avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.84%▲ 0.91% above avgNationally 2.81%
Details
Annual/Maturity Crediting APY
Rate History
No change since Oct 22, 2026 · 3.75% APY
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
36 Month Share Certificate
$0
3.71%
▲ 0.87% above New Mexico avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.84%▲ 0.87% above avgNationally 2.81%
Details
Balance: $200,000+; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.71% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
36 Month Personal/Business Certificate Account - Monthly Crediting
$1,000
3.71%
▲ 0.87% above New Mexico avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.84%▲ 0.87% above avgNationally 2.81%
Details
Fixed rate; APY (Monthly Crediting)
Rate History
No change since Oct 22, 2026 · 3.71% APY
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - Loyalty - 3 Year
$25,000
3.67%
▲ 0.83% above New Mexico avg
▼
Rate3.60%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.84%▲ 0.83% above avgNationally 2.81%
Details
Loyalty APR and APY; requires a Platinum or Silver Debit Account; minimum required deposit $25,000
Rate History
1 change since Sep 17, 2026 · 3.56% → 3.67% ▲ 0.11 pts · high 3.67% / low 3.56%
- Sep 18, 20263.67%▲ from 3.56%
- Sep 17, 20263.56%first recorded
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
3-year IRA
$100
3.66%
▲ 0.82% above New Mexico avg
▼
Rate3.60%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.84%▲ 0.82% above avgNationally 2.81%
Details
Other Fee(s) / Penalties: 3 months interest on amount withdrawn; Fee(s) if Below Minimum Balance:
Rate History
1 change since Sep 30, 2026 · 3.56% → 3.66% ▲ 0.10 pts · high 3.66% / low 3.56%
- Oct 23, 20263.66%▲ from 3.56%
- Sep 30, 20263.56%first recorded
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
36 Month Share Certificate
$0
3.66%
▲ 0.82% above New Mexico avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.84%▲ 0.82% above avgNationally 2.81%
Details
Balance: $100,000-$199,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.66% APY · checked 2 times
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
36 Month Term Certificate
$500
3.65%
▲ 0.81% above New Mexico avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.84%▲ 0.81% above avgNationally 2.81%
Details
Standard Term Certificate; available to personal and business members
Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
36 Month Personal/Business Certificate Account
$1,000
3.65%
▲ 0.81% above New Mexico avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.84%▲ 0.81% above avgNationally 2.81%
Details
Fixed rate; APY (Annual/Maturity Crediting)
Rate History
No change since Oct 22, 2026 · 3.65% APY
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
36 Month Share Certificate
$0
3.61%
▲ 0.77% above New Mexico avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.84%▲ 0.77% above avgNationally 2.81%
Details
Balance: $50,000-$99,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.61% APY · checked 2 times
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
36 Month Share / IRA Certificate
$1,000
3.60%
▲ 0.76% above New Mexico avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.84%▲ 0.76% above avgNationally 2.81%
Details
Effective August 21, 2026; Dividend rate 3.54%, APY 3.60%
Rate History
No change since Oct 15, 2026 · 3.60% APY · checked 2 times
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
New Share / IRA Certificates - 36 months
$0
3.60%
▲ 0.76% above New Mexico avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.84%▲ 0.76% above avgNationally 2.81%
Details
Effective August 21, 2026; Minimum balance for certificates is $1,000
Rate History
No change since Oct 12, 2026 · 3.60% APY · checked 3 times
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
3-year CD
$5,000
3.56%
▲ 0.72% above New Mexico avg
▼
Rate3.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.84%▲ 0.72% above avgNationally 2.81%
Details
Early withdrawal penalty: 3 months interest on amount withdrawn; Fee(s) if below minimum balance: -; Rates current as of 10/22/2026
Rate History
1 change since Sep 30, 2026 · 3.45% → 3.56% ▲ 0.11 pts · high 3.56% / low 3.45%
- Oct 23, 20263.56%▲ from 3.45%
- Sep 30, 20263.45%first recorded
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
5 Year CD Ladder - 3 Year Ladder
$5,000
3.56%
▲ 0.72% above New Mexico avg
▼
Rate3.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.84%▲ 0.72% above avgNationally 2.81%
Details
Initial Rate 3.50%, Initial APY 3.56%; Renewal: 60 months from initial maturity at 0.25% above regularly offered 60 month rate; Early withdrawal: 6 months interest penalty on balance withdrawn; Minimum to open and minimum to obtain stated APY $5,000.00
Rate History
1 change since Sep 30, 2026 · 3.45% → 3.56% ▲ 0.11 pts · high 3.56% / low 3.45%
- Oct 23, 20263.56%▲ from 3.45%
- Sep 30, 20263.45%first recorded
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Share and IRA Certificate 3 Year - Loyalty
$1,000
3.56%
▲ 0.72% above New Mexico avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.84%▲ 0.72% above avgNationally 2.81%
Details
Loyalty APR and APY; requires a Platinum or Silver Debit Account; regular share and IRA certificate; APY based on compounded rate
Rate History
No change since Oct 8, 2026 · 3.56% APY · checked 4 times
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
36 Month Share Certificate
$0
3.56%
▲ 0.72% above New Mexico avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.84%▲ 0.72% above avgNationally 2.81%
Details
Balance: $10,000-$49,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.56% APY · checked 2 times
First National Bank Alamogordo, NM
Institution Rating:
F1.2 ★Texas Ratio: 43.89%
IRA 36 Month
$500
3.53%
▲ 0.69% above New Mexico avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.84%▲ 0.69% above avgNationally 2.81%
Details
Early withdrawal penalty may be imposed
Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 5 times
First National Bank Alamogordo, NM
Institution Rating:
F1.2 ★Texas Ratio: 43.89%
ROTH 36 Month
$500
3.53%
▲ 0.69% above New Mexico avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.84%▲ 0.69% above avgNationally 2.81%
Details
Early withdrawal penalty may be imposed
Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 5 times
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
36 Month Share Certificate
$0
3.51%
▲ 0.67% above New Mexico avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.84%▲ 0.67% above avgNationally 2.81%
Details
Balance: $5,000-$9,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.51% APY · checked 2 times
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
36 Month Certificate of Deposit
$0
3.51%
▲ 0.67% above New Mexico avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.84%▲ 0.67% above avgNationally 2.81%
Details
Rate History
1 change since Oct 9, 2026 · 3.51% → 3.51% ▼ 0.00 pts · high 3.51% / low 3.51%
- Oct 19, 20263.51%▼ from 3.51%
- Oct 9, 20263.51%first recorded
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
Certificate of Deposit (CD) - 36 Month
$2,000
3.50%
▲ 0.66% above New Mexico avg
▼
Rate3.50%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.84%▲ 0.66% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 90 Days
Rate History
No change since Oct 23, 2026 · 3.50% APY
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificates - 36 Month
$5,000
3.49%
▲ 0.65% above New Mexico avg
▼
Rate3.45%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.84%▲ 0.65% above avgNationally 2.81%
Details
Dividend rate 3.45%; Early withdrawal penalty - 90 days; Dividend rates effective April 1, 2025 and subject to change without notice; Certificates automatically renewed receive the rate in effect on the renewal date
Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 3 times
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
36-Month Share Certificate
$500
3.45%
▲ 0.61% above New Mexico avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.84%▲ 0.61% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 4 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - 3 Year
$25,000
3.45%
▲ 0.61% above New Mexico avg
▼
Rate3.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.84%▲ 0.61% above avgNationally 2.81%
Details
Jumbo share and IRA certificate; minimum required deposit $25,000
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35%
- Oct 12, 20263.45%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
36 Month Share Certificate
$0
3.45%
▲ 0.61% above New Mexico avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.84%▲ 0.61% above avgNationally 2.81%
Details
Balance: $500-$4,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.45% APY · checked 2 times
Railroad Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Term Share Account - 36 MONTH
$1,000
3.44%
▲ 0.60% above New Mexico avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.84%▲ 0.60% above avgNationally 2.81%
Details
Early withdrawal penalty: 180 Days interest on amount withdrawn
Rate History
No change since Oct 13, 2026 · 3.44% APY · checked 2 times
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
3 Year Boost Term Share
$500
3.40%
▲ 0.56% above New Mexico avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.84%▲ 0.56% above avgNationally 2.81%
Details
Rate History
No change since Sep 25, 2026 · 3.40% APY · checked 6 times
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
Jumbo CD 36 Month Boost Term Share
$100,000
3.40%
▲ 0.56% above New Mexico avg
▼
Rate3.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.84%▲ 0.56% above avgNationally 2.81%
Details
Balance Required to Earn Interest: $100,000.00
Rate History
No change since Oct 23, 2026 · 3.40% APY
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
36 Month IRA Share Certificate
$500
3.40%
▲ 0.56% above New Mexico avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.84%▲ 0.56% above avgNationally 2.81%
Details
Effective Date: Sunday, October 18th, 2026
Rate History
No change since Sep 22, 2026 · 3.40% APY · checked 3 times
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
36 Month Share Certificate
$500
3.40%
▲ 0.56% above New Mexico avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.84%▲ 0.56% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 4 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Share and IRA Certificate 3 Year
$1,000
3.35%
▲ 0.51% above New Mexico avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.84%▲ 0.51% above avgNationally 2.81%
Details
Regular share and IRA certificate; APY based on compounded rate
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 8 times
Financial Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
3 Year Term
$0
3.34%
▲ 0.50% above New Mexico avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.84%▲ 0.50% above avgNationally 2.81%
Details
Term Share Rates and Terms effective July 1, 2026
Rate History
No change since Sep 14, 2026 · 3.34% APY · checked 7 times
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
36 Month Certificate of Deposit
$500
3.29%
▲ 0.45% above New Mexico avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.84%▲ 0.45% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 4 times
Centinel Bank of Taos
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3 Year Certificate of Deposit
$0
3.25%
▲ 0.41% above New Mexico avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.84%▲ 0.41% above avgNationally 2.81%
Details
Penalty may be imposed for early withdrawal
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
Questa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
CD 3 Years
$1,000
3.16%
▲ 0.32% above New Mexico avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.84%▲ 0.32% above avgNationally 2.81%
Details
Effective Date: May 13, 2025; Early Surrender Penalties Apply; Rates Subject to change without notice
Rate History
No change since Oct 22, 2026 · 3.16% APY
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Share Certificate - 36 months
$500
3.09%
▲ 0.25% above New Mexico avg
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.84%▲ 0.25% above avgNationally 2.81%
Details
Minimum opening deposit $500
Rate History
No change since Sep 25, 2026 · 3.09% APY · checked 5 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
36 Month Term Share/IRA Jumbo Certificates
$0
3.09%
▲ 0.25% above New Mexico avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.84%▲ 0.25% above avgNationally 2.81%
Details
Balance: $25,000
Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 7 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
Term Share/IRA Jumbo Certificates - 36 Months
$0
3.09%
▲ 0.25% above New Mexico avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.84%▲ 0.25% above avgNationally 2.81%
Details
Balance: $25,000
Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 3 times
Medanales 48 Month CD Rates
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: 3.00%
48 Month Business Certificates
$100,000
4.18%
▲ 1.42% above New Mexico avg
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.76%▲ 1.42% above avgNationally 2.81%
Details
Minimum balance to obtain APY: $100,000+; Minimum balance to open: $100,000
Rate History
2 changes since Sep 14, 2026 · 3.15% → 4.18% ▲ 1.03 pts · high 4.18% / low 3.15%
- Oct 19, 20264.18%▲ from 4.13%
- Oct 13, 20264.13%▲ from 3.15%
- Sep 14, 20263.15%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
48 Month Certificates and IRA Certificates
$100,000
4.18%
▲ 1.42% above New Mexico avg
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.76%▲ 1.42% above avgNationally 2.81%
Details
Minimum balance $100,000+ to obtain APY; Minimum balance to open $100,000
Rate History
No change since Oct 9, 2026 · 4.18% APY · checked 3 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
48 Month Business Certificates
$10,000
4.13%
▲ 1.37% above New Mexico avg
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.76%▲ 1.37% above avgNationally 2.81%
Details
Business Certificates - $10,000+ Minimum Balance
Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 2 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
48 Month Certificates and IRA Certificates
$10,000
4.13%
▲ 1.37% above New Mexico avg
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.76%▲ 1.37% above avgNationally 2.81%
Details
$10,000+ Minimum Balance to obtain APY
Rate History
No change since Oct 9, 2026 · 4.13% APY · checked 3 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
48 Month Certificates and IRA Certificates
$1,000
4.08%
▲ 1.32% above New Mexico avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.76%▲ 1.32% above avgNationally 2.81%
Details
$1,000+; Balance: $1,000+ to obtain APY; Minimum Balance to Open of $1,000; Rates current as of October 19, 2026
Rate History
No change since Oct 9, 2026 · 4.08% APY · checked 3 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 48 months
$1,000
3.90%
▲ 1.14% above New Mexico avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.76%▲ 1.14% above avgNationally 2.81%
Details
Fixed rate; Dividend rate 3.90%; Monthly Crediting APY: 3.97%; Annual/Maturity Crediting APY: 3.90%
Rate History
No change since Oct 22, 2026 · 3.90% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
48 Month Fixed-rate Certificate Account
$1,000
3.87%
▲ 1.11% above New Mexico avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.76%▲ 1.11% above avgNationally 2.81%
Details
APY (Monthly Crediting)
Rate History
No change since Oct 22, 2026 · 3.87% APY
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
48 Month IRA Share Certificate
$500
3.85%
▲ 1.09% above New Mexico avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.76%▲ 1.09% above avgNationally 2.81%
Details
IRA certificate; Rates effective as of 9/23/2026
Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 6 times
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Share Certificate - 48-Month
$0
3.85%
▲ 1.09% above New Mexico avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.76%▲ 1.09% above avgNationally 2.81%
Details
Balance: $1,000+ Regular
Rate History
No change since Oct 12, 2026 · 3.85% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 48 months
$1,000
3.82%
▲ 1.06% above New Mexico avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.76%▲ 1.06% above avgNationally 2.81%
Details
Monthly Crediting APY
Rate History
No change since Oct 22, 2026 · 3.82% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
48 Month Fixed-rate Certificate Account
$1,000
3.80%
▲ 1.04% above New Mexico avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.76%▲ 1.04% above avgNationally 2.81%
Details
APY (Annual/Maturity Crediting)
Rate History
No change since Oct 22, 2026 · 3.80% APY
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
48 Month Share Certificate
$0
3.76%
▲ 1.00% above New Mexico avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.76%▲ 1.00% above avgNationally 2.81%
Details
Balance: $200,000+; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.76% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 48 months
$1,000
3.75%
▲ 0.99% above New Mexico avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.76%▲ 0.99% above avgNationally 2.81%
Details
Annual/Maturity Crediting APY
Rate History
No change since Oct 22, 2026 · 3.75% APY
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - Loyalty - 4 Year
$25,000
3.72%
▲ 0.96% above New Mexico avg
▼
Rate3.65%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.76%▲ 0.96% above avgNationally 2.81%
Details
Loyalty APR and APY; requires a Platinum or Silver Debit Account; minimum required deposit $25,000
Rate History
1 change since Sep 17, 2026 · 3.61% → 3.72% ▲ 0.11 pts · high 3.72% / low 3.61%
- Sep 18, 20263.72%▲ from 3.61%
- Sep 17, 20263.61%first recorded
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
48 Month Share Certificate
$0
3.71%
▲ 0.95% above New Mexico avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.76%▲ 0.95% above avgNationally 2.81%
Details
Balance: $100,000-$199,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.71% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
48 Month Personal/Business Certificate Account - Monthly Crediting
$1,000
3.71%
▲ 0.95% above New Mexico avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.76%▲ 0.95% above avgNationally 2.81%
Details
Fixed rate; APY (Monthly Crediting)
Rate History
No change since Oct 22, 2026 · 3.71% APY
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
48 Month Share Certificate
$0
3.66%
▲ 0.90% above New Mexico avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.76%▲ 0.90% above avgNationally 2.81%
Details
Balance: $50,000-$99,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.66% APY · checked 2 times
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
48 Month Share / IRA Certificate
$1,000
3.65%
▲ 0.89% above New Mexico avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.76%▲ 0.89% above avgNationally 2.81%
Details
Effective August 21, 2026; Dividend rate 3.59%, APY 3.65%
Rate History
No change since Oct 15, 2026 · 3.65% APY · checked 2 times
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
New Share / IRA Certificates - 48 months
$0
3.65%
▲ 0.89% above New Mexico avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.76%▲ 0.89% above avgNationally 2.81%
Details
Effective August 21, 2026; Minimum balance for certificates is $1,000
Rate History
No change since Oct 12, 2026 · 3.65% APY · checked 3 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
48 Month Personal/Business Certificate Account
$1,000
3.65%
▲ 0.89% above New Mexico avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.76%▲ 0.89% above avgNationally 2.81%
Details
Fixed rate; APY (Annual/Maturity Crediting)
Rate History
No change since Oct 22, 2026 · 3.65% APY
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
5 Year CD Ladder - 4 Year Ladder
$5,000
3.61%
▲ 0.85% above New Mexico avg
▼
Rate3.55%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.76%▲ 0.85% above avgNationally 2.81%
Details
Initial Rate 3.55%, Initial APY 3.61%; Renewal: 60 months from initial maturity at 0.25% above regularly offered 60 month rate; Early withdrawal: 6 months interest penalty on balance withdrawn; Minimum to open and minimum to obtain stated APY $5,000.00
Rate History
1 change since Sep 30, 2026 · 3.51% → 3.61% ▲ 0.10 pts · high 3.61% / low 3.51%
- Oct 23, 20263.61%▲ from 3.51%
- Sep 30, 20263.51%first recorded
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Share and IRA Certificate 4 Year - Loyalty
$1,000
3.61%
▲ 0.85% above New Mexico avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.76%▲ 0.85% above avgNationally 2.81%
Details
Loyalty APR and APY; requires a Platinum or Silver Debit Account; regular share and IRA certificate; APY based on compounded rate
Rate History
No change since Oct 8, 2026 · 3.61% APY · checked 4 times
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
48 Month Share Certificate
$0
3.61%
▲ 0.85% above New Mexico avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.76%▲ 0.85% above avgNationally 2.81%
Details
Balance: $10,000-$49,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.61% APY · checked 2 times
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
4 Year Boost Term Share
$500
3.56%
▲ 0.80% above New Mexico avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.76%▲ 0.80% above avgNationally 2.81%
Details
Rate History
1 change since Sep 25, 2026 · 3.45% → 3.56% ▲ 0.11 pts · high 3.56% / low 3.45%
- Oct 4, 20263.56%▲ from 3.45%
- Sep 25, 20263.45%first recorded
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
Jumbo CD 48 Month Boost Term Share
$100,000
3.56%
▲ 0.80% above New Mexico avg
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.76%▲ 0.80% above avgNationally 2.81%
Details
Balance Required to Earn Interest: $100,000.00
Rate History
No change since Oct 23, 2026 · 3.56% APY
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
48 Month Share Certificate
$0
3.56%
▲ 0.80% above New Mexico avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.76%▲ 0.80% above avgNationally 2.81%
Details
Balance: $5,000-$9,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.56% APY · checked 2 times
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
48 Month Term Certificate
$500
3.51%
▲ 0.75% above New Mexico avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.76%▲ 0.75% above avgNationally 2.81%
Details
Standard Term Certificate; available to personal and business members
Rate History
No change since Oct 8, 2026 · 3.51% APY · checked 2 times
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
48 Month Share Certificate
$0
3.51%
▲ 0.75% above New Mexico avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.76%▲ 0.75% above avgNationally 2.81%
Details
Balance: $500-$4,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.51% APY · checked 2 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - 4 Year
$25,000
3.50%
▲ 0.74% above New Mexico avg
▼
Rate3.45%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.76%▲ 0.74% above avgNationally 2.81%
Details
Jumbo share and IRA certificate; minimum required deposit $25,000
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
- Oct 12, 20263.50%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificates - 48 Month
$5,000
3.49%
▲ 0.73% above New Mexico avg
▼
Rate3.45%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.76%▲ 0.73% above avgNationally 2.81%
Details
Dividend rate 3.45%; Early withdrawal penalty - 90 days; Dividend rates effective April 1, 2025 and subject to change without notice; Certificates automatically renewed receive the rate in effect on the renewal date
Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 3 times
Centinel Bank of Taos
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
4 Year Certificate of Deposit
$0
3.45%
▲ 0.69% above New Mexico avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.76%▲ 0.69% above avgNationally 2.81%
Details
Penalty may be imposed for early withdrawal
Rate History
No change since Oct 22, 2026 · 3.45% APY · checked 2 times
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
48 Month Certificate of Deposit
$0
3.40%
▲ 0.64% above New Mexico avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.76%▲ 0.64% above avgNationally 2.81%
Details
Rate History
1 change since Oct 9, 2026 · 3.40% → 3.40% ▲ 0.00 pts · high 3.40% / low 3.40%
- Oct 19, 20263.40%▲ from 3.40%
- Oct 9, 20263.40%first recorded
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Share and IRA Certificate 4 Year
$1,000
3.40%
▲ 0.64% above New Mexico avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.76%▲ 0.64% above avgNationally 2.81%
Details
Regular share and IRA certificate; APY based on compounded rate
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 8 times
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
48 Month IRA Share Certificate
$500
3.35%
▲ 0.59% above New Mexico avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.76%▲ 0.59% above avgNationally 2.81%
Details
Effective Date: Sunday, October 18th, 2026
Rate History
No change since Sep 22, 2026 · 3.35% APY · checked 3 times
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
48 Month Share Certificate
$500
3.35%
▲ 0.59% above New Mexico avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.76%▲ 0.59% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 4 times
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
48 Month Certificate of Deposit
$500
3.29%
▲ 0.53% above New Mexico avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.76%▲ 0.53% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 4 times
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Share Certificate - 48 months
$1,000
3.20%
▲ 0.44% above New Mexico avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.76%▲ 0.44% above avgNationally 2.81%
Details
Minimum opening deposit $1000
Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 5 times
Railroad Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Term Share Account - 48 MONTH
$1,000
3.14%
▲ 0.38% above New Mexico avg
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.76%▲ 0.38% above avgNationally 2.81%
Details
Early withdrawal penalty: 180 Days interest on amount withdrawn
Rate History
No change since Oct 13, 2026 · 3.14% APY · checked 2 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
48 Month Term Share/IRA Jumbo Certificates
$0
3.14%
▲ 0.38% above New Mexico avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.76%▲ 0.38% above avgNationally 2.81%
Details
Balance: $25,000
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 7 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
Term Share/IRA Jumbo Certificates - 48 Months
$0
3.14%
▲ 0.38% above New Mexico avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.76%▲ 0.38% above avgNationally 2.81%
Details
Balance: $25,000
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 3 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
1st Certificates - 48 Month
$250
3.04%
▲ 0.28% above New Mexico avg
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.76%▲ 0.28% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 5 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
48 Month IRA Certificates
$500
3.04%
▲ 0.28% above New Mexico avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.76%▲ 0.28% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.04% APY · checked 2 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
48 Month Kirby Kid Certificates
$500
3.04%
▲ 0.28% above New Mexico avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.76%▲ 0.28% above avgNationally 2.81%
Details
Kirby Kids certificate available to members enrolled in the Kirby Kids program (ages 12 & under)
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 6 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
Term Share Certificates (TSC) - 48 Months
$1,000
3.04%
▲ 0.28% above New Mexico avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.76%▲ 0.28% above avgNationally 2.81%
Details
Rate and APY as printed in Term Share Certificates table
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 4 times
Questa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
CD 4 Years
$1,000
3.01%
▲ 0.25% above New Mexico avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.76%▲ 0.25% above avgNationally 2.81%
Details
Effective Date: May 13, 2025; Early Surrender Penalties Apply; Rates Subject to change without notice
Rate History
No change since Oct 22, 2026 · 3.01% APY
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
Share Certificates - 48 Month
$0
3.00%
▲ 0.24% above New Mexico avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.76%▲ 0.24% above avgNationally 2.81%
Details
Bonus rate: 3.50% with bonus conditions (+0.10% each for Active Checking Account, Full Direct Deposit, Active SECU Credit Card, Active Consumer Loan, Current Mortgage); Early withdrawal penalty: 270 Days Interest; Rising Rate option available; Quarterly Dividends
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
48 Month Share Certificate - Bonus Rate
$0
2.87%
▲ 0.11% above New Mexico avg
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.76%▲ 0.11% above avgNationally 2.81%
Details
Relationship bonus rate (Bonus Rate APY; includes membership rate bonus conditions at 0.10% each, up to 5 total); Early withdrawal penalty: 270 Days Interest; Rising Rate Option available
Rate History
No change since Oct 13, 2026 · 2.87% APY · checked 2 times
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
48-Month Share Certificate
$500
2.84%
▲ 0.08% above New Mexico avg
▼
Rate2.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.76%▲ 0.08% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 2.84% APY · checked 4 times
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48-Month Certificate of Deposit
$1,000
2.65%
▼ 0.11% below New Mexico avg
▼
Rate2.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Mexico Average2.76%▼ 0.11% below avgNationally 2.81%
Details
Balance: Over $1,000; Minimum daily balance to obtain APY: $1,000.00; A penalty may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50%
- Oct 21, 20262.65%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Citizens Bank of Clovis
Institution Rating:
A4.8 ★Texas Ratio: 8.65%
Certificate of Deposit - 48 Month Time Deposit
$1,000
2.53%
▼ 0.23% below New Mexico avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.76%▼ 0.23% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 8 times
Medanales 60 Month CD Rates
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: 9.78%
60 Month Certificate
$0
4.50%
▲ 1.60% above New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.90%▲ 1.60% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 5, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Certificate Account
$500
4.50%
▲ 1.60% above New Mexico avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.90%▲ 1.60% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Regular Certificate
$500
4.50%
▲ 1.60% above New Mexico avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.90%▲ 1.60% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Oct 19, 20264.50%▲ from 4.30%
- Sep 14, 20264.30%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
Bump-Rate Certificate 60 Months
$500
4.35%
▲ 1.45% above New Mexico avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.90%▲ 1.45% above avgNationally 2.92%
Details
Early-withdrawal penalties may apply; Dividends are credited monthly
Rate History
1 change since Sep 21, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 5, 20264.35%▲ from 4.15%
- Sep 21, 20264.15%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
60 Month Business Certificates
$100,000
4.18%
▲ 1.28% above New Mexico avg
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.90%▲ 1.28% above avgNationally 2.92%
Details
Minimum balance to obtain APY: $100,000+; Minimum balance to open: $100,000
Rate History
2 changes since Sep 14, 2026 · 3.15% → 4.18% ▲ 1.03 pts · high 4.18% / low 3.15%
- Oct 19, 20264.18%▲ from 4.13%
- Oct 13, 20264.13%▲ from 3.15%
- Sep 14, 20263.15%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
60 Month Certificates and IRA Certificates
$100,000
4.18%
▲ 1.28% above New Mexico avg
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.90%▲ 1.28% above avgNationally 2.92%
Details
Minimum balance $100,000+ to obtain APY; Minimum balance to open $100,000
Rate History
No change since Oct 9, 2026 · 4.18% APY · checked 3 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
60 Month Business Certificates
$10,000
4.13%
▲ 1.23% above New Mexico avg
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.90%▲ 1.23% above avgNationally 2.92%
Details
Business Certificates - $10,000+ Minimum Balance
Rate History
No change since Oct 13, 2026 · 4.13% APY · checked 2 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
60 Month Certificates and IRA Certificates
$10,000
4.13%
▲ 1.23% above New Mexico avg
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.90%▲ 1.23% above avgNationally 2.92%
Details
$10,000+ Minimum Balance to obtain APY
Rate History
No change since Oct 9, 2026 · 4.13% APY · checked 3 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
60 Month Certificates and IRA Certificates
$1,000
4.08%
▲ 1.18% above New Mexico avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.90%▲ 1.18% above avgNationally 2.92%
Details
$1,000+; Balance: $1,000+ to obtain APY; Minimum Balance to Open of $1,000; Rates current as of October 19, 2026
Rate History
No change since Oct 9, 2026 · 4.08% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.90%
▲ 1.00% above New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Mexico Average2.90%▲ 1.00% above avgNationally 2.92%
Details
Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.90% APY
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
60 Month IRA Share Certificate
$500
3.90%
▲ 1.00% above New Mexico avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.90%▲ 1.00% above avgNationally 2.92%
Details
IRA certificate; Rates effective as of 9/23/2026
Rate History
No change since Sep 25, 2026 · 3.90% APY · checked 6 times
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Share Certificate - 60-Month
$0
3.90%
▲ 1.00% above New Mexico avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.90%▲ 1.00% above avgNationally 2.92%
Details
Balance: $1,000+ Regular
Rate History
No change since Oct 12, 2026 · 3.90% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 60 months
$1,000
3.90%
▲ 1.00% above New Mexico avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.90%▲ 1.00% above avgNationally 2.92%
Details
Fixed rate; Dividend rate 3.90%; Monthly Crediting APY: 3.97%; Annual/Maturity Crediting APY: 3.90%
Rate History
No change since Oct 22, 2026 · 3.90% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
60 Month Fixed-rate Certificate Account
$1,000
3.87%
▲ 0.97% above New Mexico avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.90%▲ 0.97% above avgNationally 2.92%
Details
APY (Monthly Crediting)
Rate History
No change since Oct 22, 2026 · 3.87% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.85%
▲ 0.95% above New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Mexico Average2.90%▲ 0.95% above avgNationally 2.92%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.85% APY
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
5 Year Boost Term Share
$500
3.82%
▲ 0.92% above New Mexico avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.90%▲ 0.92% above avgNationally 2.92%
Details
Rate History
1 change since Sep 25, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
- Oct 4, 20263.82%▲ from 3.56%
- Sep 25, 20263.56%first recorded
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
Jumbo CD 60 Month Boost Term Share
$100,000
3.82%
▲ 0.92% above New Mexico avg
▼
Rate3.75%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.90%▲ 0.92% above avgNationally 2.92%
Details
Balance Required to Earn Interest: $100,000.00
Rate History
No change since Oct 23, 2026 · 3.82% APY
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
60 Month Share Certificate
$0
3.82%
▲ 0.92% above New Mexico avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.90%▲ 0.92% above avgNationally 2.92%
Details
Balance: $200,000+; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.82% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 60 months
$1,000
3.82%
▲ 0.92% above New Mexico avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.90%▲ 0.92% above avgNationally 2.92%
Details
Monthly Crediting APY
Rate History
No change since Oct 22, 2026 · 3.82% APY
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
60 Month Fixed-rate Certificate Account
$1,000
3.80%
▲ 0.90% above New Mexico avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.90%▲ 0.90% above avgNationally 2.92%
Details
APY (Annual/Maturity Crediting)
Rate History
No change since Oct 22, 2026 · 3.80% APY
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - Loyalty - 5 Year
$25,000
3.77%
▲ 0.87% above New Mexico avg
▼
Rate3.70%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.90%▲ 0.87% above avgNationally 2.92%
Details
Loyalty APR and APY; requires a Platinum or Silver Debit Account; minimum required deposit $25,000
Rate History
1 change since Sep 17, 2026 · 3.66% → 3.77% ▲ 0.11 pts · high 3.77% / low 3.66%
- Sep 18, 20263.77%▲ from 3.66%
- Sep 17, 20263.66%first recorded
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
5-year IRA
$100
3.76%
▲ 0.86% above New Mexico avg
▼
Rate3.70%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.90%▲ 0.86% above avgNationally 2.92%
Details
Other Fee(s) / Penalties: 6 months interest on amount withdrawn; Fee(s) if Below Minimum Balance:
Rate History
1 change since Sep 30, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
- Oct 23, 20263.76%▲ from 3.66%
- Sep 30, 20263.66%first recorded
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
60 Month Share Certificate
$0
3.76%
▲ 0.86% above New Mexico avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.90%▲ 0.86% above avgNationally 2.92%
Details
Balance: $100,000-$199,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.76% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
IRA Certificate - 60 months
$1,000
3.75%
▲ 0.85% above New Mexico avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.90%▲ 0.85% above avgNationally 2.92%
Details
Annual/Maturity Crediting APY
Rate History
No change since Oct 22, 2026 · 3.75% APY
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
60 Month Share Certificate
$0
3.71%
▲ 0.81% above New Mexico avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.90%▲ 0.81% above avgNationally 2.92%
Details
Balance: $50,000-$99,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.71% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
60 Month Personal/Business Certificate Account - Monthly Crediting
$1,000
3.71%
▲ 0.81% above New Mexico avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.90%▲ 0.81% above avgNationally 2.92%
Details
Fixed rate; APY (Monthly Crediting)
Rate History
No change since Oct 22, 2026 · 3.71% APY
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
60 Month Share / IRA Certificate
$1,000
3.70%
▲ 0.80% above New Mexico avg
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.90%▲ 0.80% above avgNationally 2.92%
Details
Effective August 21, 2026; Dividend rate 3.64%, APY 3.70%
Rate History
No change since Oct 15, 2026 · 3.70% APY · checked 2 times
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
New Share / IRA Certificates - 60 months
$0
3.70%
▲ 0.80% above New Mexico avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.90%▲ 0.80% above avgNationally 2.92%
Details
Effective August 21, 2026; Minimum balance for certificates is $1,000
Rate History
No change since Oct 12, 2026 · 3.70% APY · checked 3 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Share and IRA Certificate 5 Year - Loyalty
$1,000
3.67%
▲ 0.77% above New Mexico avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.90%▲ 0.77% above avgNationally 2.92%
Details
Loyalty APR and APY; requires a Platinum or Silver Debit Account; regular share and IRA certificate; APY based on compounded rate
Rate History
No change since Oct 8, 2026 · 3.67% APY · checked 4 times
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
5 Year CD Ladder - 5 Year Ladder
$5,000
3.66%
▲ 0.76% above New Mexico avg
▼
Rate3.60%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.90%▲ 0.76% above avgNationally 2.92%
Details
Initial Rate 3.60%, Initial APY 3.66%; Renewal: 60 months from initial maturity at 0.25% above regularly offered 60 month rate; Early withdrawal: 6 months interest penalty on balance withdrawn; Minimum to open and minimum to obtain stated APY $5,000.00
Rate History
1 change since Sep 30, 2026 · 3.56% → 3.66% ▲ 0.10 pts · high 3.66% / low 3.56%
- Oct 23, 20263.66%▲ from 3.56%
- Sep 30, 20263.56%first recorded
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
5-year CD
$5,000
3.66%
▲ 0.76% above New Mexico avg
▼
Rate3.60%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.90%▲ 0.76% above avgNationally 2.92%
Details
Early withdrawal penalty: 6 months interest on amount withdrawn; Fee(s) if below minimum balance: -; Rates current as of 10/22/2026
Rate History
1 change since Sep 30, 2026 · 3.56% → 3.66% ▲ 0.10 pts · high 3.66% / low 3.56%
- Oct 23, 20263.66%▲ from 3.56%
- Sep 30, 20263.56%first recorded
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
60 Month Jumbo Certificate
$1,000
3.66%
▲ 0.76% above New Mexico avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.90%▲ 0.76% above avgNationally 2.92%
Details
Balance: $100,000 and over; Early withdrawal penalty may apply
Rate History
No change since Oct 12, 2026 · 3.66% APY · checked 3 times
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
60 Month Share and IRA Certificates
$0
3.66%
▲ 0.76% above New Mexico avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.90%▲ 0.76% above avgNationally 2.92%
Details
Balance: $100,000 and over (Jumbo Certificate); Early withdrawal penalty may apply
Rate History
1 change since Oct 8, 2026 · 3.56% → 3.66% ▲ 0.10 pts · high 3.66% / low 3.56%
- Oct 23, 20263.66%▲ from 3.56%
- Oct 8, 20263.56%first recorded
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
60 Month Share Certificate
$0
3.66%
▲ 0.76% above New Mexico avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.90%▲ 0.76% above avgNationally 2.92%
Details
Balance: $10,000-$49,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.66% APY · checked 2 times
GECU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
60 Month Personal/Business Certificate Account
$1,000
3.65%
▲ 0.75% above New Mexico avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.90%▲ 0.75% above avgNationally 2.92%
Details
Fixed rate; APY (Annual/Maturity Crediting)
Rate History
No change since Oct 22, 2026 · 3.65% APY
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
60 Month Share Certificate
$0
3.61%
▲ 0.71% above New Mexico avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.90%▲ 0.71% above avgNationally 2.92%
Details
Balance: $5,000-$9,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.61% APY · checked 2 times
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
60 Month Term Certificate
$500
3.56%
▲ 0.66% above New Mexico avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.90%▲ 0.66% above avgNationally 2.92%
Details
Standard Term Certificate; available to personal and business members
Rate History
No change since Oct 8, 2026 · 3.56% APY · checked 2 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - 5 Year
$25,000
3.56%
▲ 0.66% above New Mexico avg
▼
Rate3.50%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.90%▲ 0.66% above avgNationally 2.92%
Details
Jumbo share and IRA certificate; minimum required deposit $25,000
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.56% ▲ 0.11 pts · high 3.56% / low 3.45%
- Oct 12, 20263.56%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
60 Month Share and IRA Certificates
$0
3.56%
▲ 0.66% above New Mexico avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.90%▲ 0.66% above avgNationally 2.92%
Details
Balance: $1,000 - $99,999.99; Minimum $1,000 Share Certificate & $1,000 IRA Certificate; Early withdrawal penalty may apply
Rate History
No change since Oct 12, 2026 · 3.56% APY · checked 2 times
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
60 Month Share Certificate
$1,000
3.56%
▲ 0.66% above New Mexico avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.90%▲ 0.66% above avgNationally 2.92%
Details
Balance: $1,000 - $99,999.99; Early withdrawal penalty may apply
Rate History
1 change since Sep 20, 2026 · 3.36% → 3.56% ▲ 0.20 pts · high 3.56% / low 3.36%
- Oct 4, 20263.56%▲ from 3.36%
- Sep 20, 20263.36%first recorded
Kirtland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
60 Month Share Certificate
$0
3.56%
▲ 0.66% above New Mexico avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.90%▲ 0.66% above avgNationally 2.92%
Details
Balance: $500-$4,999; Limited-time offer
Rate History
No change since Oct 22, 2026 · 3.56% APY · checked 2 times
Centinel Bank of Taos
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
5 Year Certificate of Deposit
$0
3.50%
▲ 0.60% above New Mexico avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.90%▲ 0.60% above avgNationally 2.92%
Details
Penalty may be imposed for early withdrawal
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 2 times
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificates - 60 Month
$5,000
3.49%
▲ 0.59% above New Mexico avg
▼
Rate3.45%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.90%▲ 0.59% above avgNationally 2.92%
Details
Dividend rate 3.45%; Early withdrawal penalty - 90 days; Dividend rates effective April 1, 2025 and subject to change without notice; Certificates automatically renewed receive the rate in effect on the renewal date
Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 3 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Share and IRA Certificate 5 Year
$1,000
3.45%
▲ 0.55% above New Mexico avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.90%▲ 0.55% above avgNationally 2.92%
Details
Regular share and IRA certificate; APY based on compounded rate
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 8 times
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
60 Month IRA Share Certificate
$500
3.35%
▲ 0.45% above New Mexico avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.90%▲ 0.45% above avgNationally 2.92%
Details
Effective Date: Sunday, October 18th, 2026
Rate History
No change since Sep 22, 2026 · 3.35% APY · checked 3 times
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
60 Month Share Certificate
$500
3.35%
▲ 0.45% above New Mexico avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.90%▲ 0.45% above avgNationally 2.92%
Details
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 4 times
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
Share Certificate - 60 months
$1,000
3.30%
▲ 0.40% above New Mexico avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Mexico Average2.90%▲ 0.40% above avgNationally 2.92%
Details
Minimum opening deposit $1000
Rate History
No change since Sep 25, 2026 · 3.30% APY · checked 5 times
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
60 Month Certificate of Deposit
$0
3.30%
▲ 0.40% above New Mexico avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.90%▲ 0.40% above avgNationally 2.92%
Details
Rate History
1 change since Oct 9, 2026 · 3.30% → 3.30% ▼ 0.00 pts · high 3.30% / low 3.30%
- Oct 19, 20263.30%▼ from 3.30%
- Oct 9, 20263.30%first recorded
First National Bank Alamogordo, NM
Institution Rating:
F1.2 ★Texas Ratio: 43.89%
CD - 60 Months
$100
3.29%
▲ 0.39% above New Mexico avg
▼
Rate3.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Mexico Average2.90%▲ 0.39% above avgNationally 2.92%
Details
Early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 8 times
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
60 Month Certificate of Deposit
$500
3.29%
▲ 0.39% above New Mexico avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Mexico Average2.90%▲ 0.39% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 4 times
Powered by
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.
Medanales, NM CD Rate Trends
Compare local Medanales, 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.
12-Month CD NM Avg
3.000%
▼ 0.010 vs 7 days ago
New Mexico 12-month CD rates fell 0.010 points over the past 7 days to 3.000% APY.
6-Month CD NM Avg
2.784%
▲ 0.004 vs 7 days ago
New Mexico 6-month CD rates rose 0.004 points over the past 7 days to 2.784% APY.
As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates
NM CD Rate Forecast, Next 12 Months
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.
NM 12-Month Avg APY
3.000%
6-Month Forecast
3.000%
Range: 2.80%, 3.15%
12-Month Forecast
3.250%
Range: 3.05%, 3.40%
Powered by
MonitorBankRates
What Your Savings Earn at NM CD Rates Today
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 | 2.020% | $100.99 | $201.97 | $504.93 | $1,009.85 |
| 6-Month CD | 2.784% | $139.20 | $278.39 | $695.98 | $1,391.95 |
| 12-Month CD | 3.000% | $149.98 | $299.96 | $749.90 | $1,499.80 |
| 18-Month CD | 2.880% | $144.01 | $288.02 | $720.05 | $1,440.10 |
| 24-Month CD | 2.924% | $146.22 | $292.43 | $731.08 | $1,462.15 |
| 36-Month CD | 2.839% | $141.96 | $283.92 | $709.80 | $1,419.60 |
| 48-Month CD | 2.760% | $137.99 | $275.98 | $689.95 | $1,379.90 |
| 60-Month CD | 2.900% | $145.02 | $290.03 | $725.08 | $1,450.15 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026. | |||||
Powered byMonitorBankRates
Sample CD Ladder for Medanales, New Mexico Savers
$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 | 2.020% | $100.99 |
| 2 | 6-Month CD | $5,000 | 2.784% | $139.20 |
| 3 | 12-Month CD | $5,000 | 3.000% | $149.98 |
| 4 | 24-Month CD | $5,000 | 2.924% | $146.22 |
| 5 | 36-Month CD | $5,000 | 2.839% | $141.96 |
| Total ($25,000 invested) | $25,000 | 2.713% blended | $678.35/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.
Powered byMonitorBankRates
651
CD Rates
Tracked in Medanales, New Mexico
Tracked in Medanales, New Mexico
20 Banks
40 Credit Unions
About Our Medanales, New Mexico CD Rate Database
MonitorBankRates tracks 651 CD rates from 20 banks and 40 credit unions with locations in Medanales, 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 Medanales, New Mexico.
How to Find the Best CD Rates in Medanales, New Mexico
What to compare when shopping for a CD in Medanales, New Mexico
To find the best APYs in Medanales, New Mexico, start with credit unions and online-only banks: Medanales, New Mexico has 40 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.
When a CD Makes Sense in Medanales, New Mexico
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Medanales, New Mexico: 60 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Medanales, New Mexico savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Medanales, New Mexico money market rates
New Mexico Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
Population 65+
19.3%
National avg: 17.3%
Median Individual Earnings
$38,408
National avg: $47,340
Poverty Rate
17.8%
National avg: 11.1%
Unemployment Rate
5.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$115/yr
At NM 12-mo avg 3.000% APY
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 3.000%, saving 10% of the local median salary ($3,840/year) and putting it in a CD would earn an additional $115 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Medanales, New Mexico
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 |
How Certificates of Deposit Work in Medanales, New Mexico
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 Medanales, 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 Medanales, New Mexico as everywhere in the U.S.
Choosing a CD Term in Medanales, New Mexico
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Medanales, 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.
CD Risk and Safety for Medanales, New Mexico Savers
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 Medanales, 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.
How CD Interest Is Paid in Medanales, New Mexico
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 Medanales, New Mexico CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Medanales, New Mexico
Most CDs carry a fixed rate that is locked for the entire term, protecting a Medanales, 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.
Frequently Asked Questions about CD Rates in Medanales, New Mexico
Are CD rates in Medanales, New Mexico FDIC insured?
Yes, most established banks in Medanales, 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 Medanales, 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 Medanales, 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 Medanales, 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 Medanales, New Mexico?
Here are recent top rates found for this area:
- Northern New Mexico School Employees Federal Credit Union: 5.12% APY (24-Month Share Certificate SPECIAL RATE)
- ZIA Credit Union: 5.00% APY (12 Month Youth Share Certificate)
- GECU Federal Credit Union: 4.70% APY (Fixed-rate Certificate Account - 12-month Jumbo)
- Rio Grande Credit Union: 4.54% APY (18 Month IRA Share Certificate)
- Mountain America Federal Credit Union: 4.50% APY (24 Month Certificate)
- America First Federal Credit Union: 4.50% APY (60 Month Certificate Account)
- State Employees Credit Union: 4.50% APY (Share Certificates - 6 Month)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- Artesia Credit Union: 4.32% APY (Share Certificates - 12 Month)
- Capra Bank: 4.25% APY (18-Month Bump-Up CD)
Rates reflect recent verified offers available in Medanales, New Mexico. Last Updated: October 23, 2026
Medanales, New Mexico CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Medanales, New Mexico rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
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.
CD Calculators for Medanales, New Mexico
Medanales, New Mexico CD Calculator
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.
Medanales, New Mexico CD LadderNM CD rates currently range from 2.020% (3-month) to 2.839% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Medanales, 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 3.000% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Medanales, 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.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Medanales, 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 Medanales, 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: October 23, 2026
Medanales, New Mexico Rates & Resources
Medanales, New Mexico Mortgage Rates
Medanales, New Mexico Refinance Rates
Medanales, New Mexico Home Equity Loan Rates
Medanales, New Mexico Savings Rates
Medanales, New Mexico Money Market Rates
Medanales, New Mexico Checking Rates
Medanales, New Mexico Auto Loan Rates
Medanales, New Mexico Personal Loan Rates
Medanales, New Mexico Homeowners Insurance
Medanales, New Mexico Car Insurance
Rate Assistant
MonitorBankRates.com · Live Data
Try asking