Rio Communities, New Mexico Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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.
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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.
Rio Communities, 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 12, 2026. Current Rio Communities, New Mexico CD rates include Northern New Mexico School Employees Federal Credit UnionNorthern New Mexico School Employees Federal Credit UnionA+5.0 ★Texas Ratio: 3.64%Real return: +2.32%APY minus CPI (February 2026) offering 24-Month Share Certificate SPECIAL RATE at 5.12% APY, ZIA Credit UnionZIA Credit UnionA+5.0 ★Texas Ratio: 3.13%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Youth Share Certificate at 5.00% APY, Artesia Credit UnionArtesia Credit UnionA+5.0 ★Texas Ratio: 4.26%Real return: +1.78%APY minus CPI (February 2026) offering IRA Certificate - 24 Month at 4.58% APY, Rio Grande Credit UnionRio Grande Credit UnionA+5.0 ★Texas Ratio: 5.38%Real return: +1.74%APY minus CPI (February 2026) offering IRA Share Certificate - 18 Months at 4.54% APY, and Mountain America Federal Credit UnionMountain America Federal Credit UnionA5.0 ★Texas Ratio: 9.78%Real return: +1.70%APY minus CPI (February 2026) offering 24 Month Certificate at 4.50% APY. CD rates as of October 12, 2026 according to verified data from MonitorBankRates.
Rio Communities is a smaller community with no bank or credit union branches currently in our database. 565 institutions serving the New Mexico area are available to Rio Communities 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 12, 2026
Compare Best CD Rates in Rio Communities, New Mexico & the Surrounding Area
Rio Communities 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
$500
3.85%
▲ 1.88% above New Mexico avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
New Mexico Average1.97%▲ 1.88% above avgNationally 2.09%
Details
Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.
Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3 Month Certificates and IRA Certificates
$100,000
3.67%
▲ 1.70% above New Mexico avg
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average1.97%▲ 1.70% above avgNationally 2.09%
Details
APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.67% ▲ 0.11 pts · high 3.67% / low 3.56%
- Oct 9, 20263.67%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Business Certificates Minimum Balance - 3 month
$100,000
3.67%
▲ 1.70% above New Mexico avg
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average1.97%▲ 1.70% above avgNationally 2.09%
Details
$100,000+; DISCLOSURES $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of October 9, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. **APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
No change since Sep 14, 2026 · 3.67% APY · checked 2 times
Century Bank Santa Fe, NM
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
3 Month CD
$5,000
3.65%
▲ 1.68% above New Mexico avg
▼
Rate3.60%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average1.97%▲ 1.68% above avgNationally 2.09%
Details
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 Certificate
$10,000
3.61%
▲ 1.64% above New Mexico avg
▼
Rate3.55%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average1.97%▲ 1.64% above avgNationally 2.09%
Details
Business Certificates - $10,000+ Minimum Balance. $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Deposit Rates are current as of October 9, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.61% ▲ 0.05 pts · high 3.61% / low 3.56%
- Oct 9, 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
$10,000
3.61%
▲ 1.64% above New Mexico avg
▼
Rate3.55%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average1.97%▲ 1.64% above avgNationally 2.09%
Details
APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.61% ▲ 0.05 pts · high 3.61% / low 3.56%
- Oct 9, 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 Business Certificate
$1,000
3.56%
▲ 1.59% above New Mexico avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average1.97%▲ 1.59% above avgNationally 2.09%
Details
APY**= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
No change since Sep 14, 2026 · 3.56% 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%
▲ 1.59% above New Mexico avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average1.97%▲ 1.59% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 2 times
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3-Month Certificate of Deposit
$1,000
3.40%
▲ 1.43% above New Mexico avg
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Mexico Average1.97%▲ 1.43% above avgNationally 2.09%
Details
Balances Over $1,000
Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
IRA Share Certificate - 3 Months
$500
3.30%
▲ 1.33% above New Mexico avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average1.97%▲ 1.33% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 3 times
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
Share Certificates - 3 Months
$500
3.30%
▲ 1.33% above New Mexico avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average1.97%▲ 1.33% above avgNationally 2.09%
Details
New Money= Funds not currently on deposit with RGCU.
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
IRA Certificates - 3-Month
$0
3.20%
▲ 1.23% above New Mexico avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average1.97%▲ 1.23% above avgNationally 2.09%
Details
IRA
Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 4 times
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Share Certificate - 3-Month
$0
3.20%
▲ 1.23% above New Mexico avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average1.97%▲ 1.23% above avgNationally 2.09%
Details
Regular
Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 4 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
3 Month Term Share/IRA Jumbo Certificates
$0
3.14%
▲ 1.17% above New Mexico avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average1.97%▲ 1.17% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 5 times
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3 Month Term Certificates
$0
3.10%
▲ 1.13% above New Mexico avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average1.97%▲ 1.13% above avgNationally 2.09%
Details
Dividend Rate 3.06%; APY if dividends are not withdrawn during the term
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
3 Month Boost Term Share
$500
3.04%
▲ 1.07% above New Mexico avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average1.97%▲ 1.07% above avgNationally 2.09%
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
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
1st Certificates - 3 Month
$250
3.04%
▲ 1.07% above New Mexico avg
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average1.97%▲ 1.07% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 4 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
3 Month IRA Certificate
$500
3.04%
▲ 1.07% above New Mexico avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average1.97%▲ 1.07% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
3 Month Kirby Kid Certificates
$500
3.04%
▲ 1.07% above New Mexico avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average1.97%▲ 1.07% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
3 Month Term Share Certificates (TSC)
$1,000
3.04%
▲ 1.07% above New Mexico avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average1.97%▲ 1.07% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
3 Month Certificate
$1,000
3.00%
▲ 1.03% above New Mexico avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average1.97%▲ 1.03% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
90 Day Certificate of Deposit
$500
2.52%
▲ 0.55% above New Mexico avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average1.97%▲ 0.55% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 3 times
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
Certificate of Deposit (CD) - 3 Months
$0
2.00%
▲ 0.03% above New Mexico avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average1.97%▲ 0.03% above avgNationally 2.09%
Details
Early Withdrawal Penalty: 90 Days
Rate History
No change since Oct 12, 2026 · 2.00% APY
Century Bank Santa Fe, NM
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
90 Day Certificate
$1,000
1.90%
▼ 0.07% below New Mexico avg
▼
Rate1.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average1.97%▼ 0.07% below avgNationally 2.09%
Details
Rate History
No change since Sep 24, 2026 · 1.90% APY · checked 5 times
Citizens Bank of Clovis
Institution Rating:
A4.8 ★Texas Ratio: 8.65%
3 Month Certificate of Deposit
$1,000
1.01%
▼ 0.96% below New Mexico avg
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average1.97%▼ 0.96% below avgNationally 2.09%
Details
Rate History
No change since Oct 8, 2026 · 1.01% APY · checked 2 times
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
IRA 90 Day Certificate
$0
0.30%
▼ 1.67% below New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average1.97%▼ 1.67% below avgNationally 2.09%
Details
Rate History
No change since Sep 12, 2026 · 0.30% APY · checked 5 times
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
IRA/Share Certificate - 90 Days
$0
0.15%
▼ 1.82% below New Mexico avg
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average1.97%▼ 1.82% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 4 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Business Fixed Rate Certificates of Deposit
$0
0.10%
▼ 1.87% below New Mexico avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average1.97%▼ 1.87% below avgNationally 2.09%
Details
Balance: $90,000 +
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$0
0.10%
▼ 1.87% below New Mexico avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average1.97%▼ 1.87% below avgNationally 2.09%
Details
Balance: $90,000 +
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
IRA/Share Certificate 90 Days
$0
0.10%
▼ 1.87% below New Mexico avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average1.97%▼ 1.87% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Fixed Rate
$2,500
0.06%
▼ 1.91% below New Mexico avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average1.97%▼ 1.91% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99. Early withdrawal penalties may apply.
Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Interest Rate
$2,500
0.06%
▼ 1.91% below New Mexico avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average1.97%▼ 1.91% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Relationship APY 0.06%
Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
90 Day Certificate
$0
0.06%
▼ 1.91% below New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average1.97%▼ 1.91% below avgNationally 2.09%
Details
Under $100,000
Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Fixed Rate
$2,500
0.05%
▼ 1.92% below New Mexico avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average1.97%▼ 1.92% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Business Fixed Rate Certificates of Deposit
$0
0.05%
▼ 1.92% below New Mexico avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average1.97%▼ 1.92% below avgNationally 2.09%
Details
Balance: $1,000 - $90,000
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$0
0.05%
▼ 1.92% below New Mexico avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average1.97%▼ 1.92% below avgNationally 2.09%
Details
Balance: $1,000 +
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
$0
0.05%
▼ 1.92% below New Mexico avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average1.97%▼ 1.92% below avgNationally 2.09%
Details
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 4 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3 Month IRA Certificates
$0
0.05%
▼ 1.92% below New Mexico avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average1.97%▼ 1.92% below avgNationally 2.09%
Details
Balance: $1,000
Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3 Month Standard CD
$0
0.05%
▼ 1.92% below New Mexico avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average1.97%▼ 1.92% below avgNationally 2.09%
Details
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.03%
▼ 1.94% below New Mexico avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average1.97%▼ 1.94% below avgNationally 2.09%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.02%
▼ 1.95% below New Mexico avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average1.97%▼ 1.95% below avgNationally 2.09%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.01%
▼ 1.96% below New Mexico avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average1.97%▼ 1.96% below avgNationally 2.09%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
Rio Communities 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%
6 Month Share Certificates
$0
4.50%
▲ 1.78% above New Mexico avg
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.72%▲ 1.78% above avgNationally 2.78%
Details
Bonus Rate: 5.00%; Early Withdrawal Penalty: 90 Days Interest
Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 6 times
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6 Month Business Term Certificate Promo
$0
4.00%
▲ 1.28% above New Mexico avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 1.28% above avgNationally 2.78%
Details
Dividend Rate 3.93%; APY if dividends are not withdrawn during the term; Business members
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
6 Month Certificates and IRA Certificates
$100,000
3.92%
▲ 1.20% above New Mexico avg
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.72%▲ 1.20% above avgNationally 2.78%
Details
APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.92% ▲ 0.36 pts · high 3.92% / low 3.56%
- Oct 9, 20263.92%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Business Certificates Minimum Balance - 6 month
$100,000
3.92%
▲ 1.20% above New Mexico avg
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.72%▲ 1.20% above avgNationally 2.78%
Details
$100,000+; DISCLOSURES $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of October 9, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. **APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.67% → 3.92% ▲ 0.25 pts · high 3.92% / low 3.67%
- Oct 9, 20263.92%▲ from 3.67%
- Sep 14, 20263.67%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
6 Month Business Certificate
$10,000
3.87%
▲ 1.15% above New Mexico avg
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.72%▲ 1.15% above avgNationally 2.78%
Details
Business Certificates - $10,000+ Minimum Balance. $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Deposit Rates are current as of October 9, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.87% ▲ 0.31 pts · high 3.87% / low 3.56%
- Oct 9, 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
$10,000
3.87%
▲ 1.15% above New Mexico avg
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.72%▲ 1.15% above avgNationally 2.78%
Details
APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.87% ▲ 0.31 pts · high 3.87% / low 3.56%
- Oct 9, 20263.87%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
6 Month Boost Term Share
$500
3.82%
▲ 1.10% above New Mexico avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 1.10% above avgNationally 2.78%
Details
Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 4 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
6 Month Business Certificate
$1,000
3.82%
▲ 1.10% above New Mexico avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.72%▲ 1.10% above avgNationally 2.78%
Details
APY**= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
- Oct 9, 20263.82%▲ 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
$1,000
3.82%
▲ 1.10% above New Mexico avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.72%▲ 1.10% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
- Oct 9, 20263.82%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Railroad Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Term Share Accounts - 6 MONTH
$0
3.80%
▲ 1.08% above New Mexico avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.72%▲ 1.08% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month CD
$0
3.75%
▲ 1.03% above New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.72%▲ 1.03% above avgNationally 2.78%
Details
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month Term
$1,000
3.75%
▲ 1.03% above New Mexico avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.72%▲ 1.03% above avgNationally 2.78%
Details
Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
IRA/Share Certificate 6 Months
$0
3.72%
▲ 1.00% above New Mexico avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.72%▲ 1.00% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.72% APY · checked 4 times
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6-Month Share Certificate
$500
3.65%
▲ 0.93% above New Mexico avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.93% above avgNationally 2.78%
Details
Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 2 times
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6 Month Term Certificates
$0
3.65%
▲ 0.93% above New Mexico avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.93% above avgNationally 2.78%
Details
Dividend Rate 3.59%; APY if dividends are not withdrawn during the term
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
6-Month Certificate
$0
3.65%
▲ 0.93% above New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.72%▲ 0.93% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
6 Month Certificate of Deposit
$0
3.51%
▲ 0.79% above New Mexico avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.72%▲ 0.79% above avgNationally 2.78%
Details
Rate History
3 changes since Sep 14, 2026 · 3.51% → 3.51% ▲ 0.00 pts · high 3.51% / low 3.51%
- Oct 1, 20263.51%▲ from 3.51%
- Sep 22, 20263.51%▼ from 3.51%
- Sep 18, 20263.51%▼ from 3.51%
- Sep 14, 20263.51%first recorded
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-Month Certificate of Deposit
$1,000
3.50%
▲ 0.78% above New Mexico avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Mexico Average2.72%▲ 0.78% above avgNationally 2.78%
Details
Balances Over $1,000
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
6 Month Certificate
$1,000
3.41%
▲ 0.69% above New Mexico avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.69% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.41% APY · checked 7 times
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
New Share / IRA Certificates - 6 months
$0
3.40%
▲ 0.68% above New Mexico avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.68% above avgNationally 2.78%
Details
Effective August 21, 2026; Early withdrawal penalties apply
Rate History
No change since Oct 12, 2026 · 3.40% APY
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share / IRA Certificate - 6 months
$1,000
3.40%
▲ 0.68% above New Mexico avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.68% above avgNationally 2.78%
Details
Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.35%; Early withdrawal penalties apply
Rate History
No change since Oct 12, 2026 · 3.40% APY
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
IRA Share Certificate - 6 Months
$500
3.40%
▲ 0.68% above New Mexico avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.72%▲ 0.68% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 3 times
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
Share Certificates - 6 Months
$500
3.40%
▲ 0.68% above New Mexico avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.72%▲ 0.68% above avgNationally 2.78%
Details
New Money= Funds not currently on deposit with RGCU.
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 5 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - 6 Month - Loyalty
$25,000
3.35%
▲ 0.63% above New Mexico avg
▼
Rate3.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.63% above avgNationally 2.78%
Details
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
Rate History
No change since Sep 17, 2026 · 3.35% APY · checked 2 times
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
IRA Certificates - 6-Month
$0
3.25%
▲ 0.53% above New Mexico avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.53% above avgNationally 2.78%
Details
IRA
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Share Certificate - 6-Month
$0
3.25%
▲ 0.53% above New Mexico avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.53% above avgNationally 2.78%
Details
Regular
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
6 Month Share and IRA Certificate - Loyalty
$1,000
3.25%
▲ 0.53% above New Mexico avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.53% above avgNationally 2.78%
Details
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $1,000
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
6-month IRA
$100
3.14%
▲ 0.42% above New Mexico avg
▼
Rate3.10%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.72%▲ 0.42% above avgNationally 2.78%
Details
Other Fee(s) / Penalties: 1 month interest on amount withdrawn
Rate History
No change since Sep 30, 2026 · 3.14% APY · checked 4 times
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%
▲ 0.42% above New Mexico avg
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.42% above avgNationally 2.78%
Details
Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 3 times
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
6 Month Share Certificates
$0
3.14%
▲ 0.42% above New Mexico avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.72%▲ 0.42% above avgNationally 2.78%
Details
Bonus Rate: 3.60%; Early Withdrawal Penalty: 90 Days Interest
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 6 times
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
benefits 6 Month
$0
3.14%
▲ 0.42% above New Mexico avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.72%▲ 0.42% above avgNationally 2.78%
Details
Bonus Rate: 3.64%; EWP: 90 Days Interest
Rate History
No change since Oct 9, 2026 · 3.14% APY
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
Share Certificates - 6 Month
$0
3.14%
▲ 0.42% above New Mexico avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.72%▲ 0.42% above avgNationally 2.78%
Details
BONUS RATE: 3.60%; EARLY WITHDRAWAL PENALTY: 90 Days Interest
Rate History
1 change since Sep 14, 2026 · 4.50% → 3.14% ▼ 1.36 pts · high 4.50% / low 3.14%
- Oct 9, 20263.14%▼ from 4.50%
- Sep 14, 20264.50%first recorded
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
6 Month Term Share/IRA Jumbo Certificates
$0
3.14%
▲ 0.42% above New Mexico avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.72%▲ 0.42% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 5 times
Internationalites Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
Certificates of Deposit - 6 Month
$1,000
3.04%
▲ 0.32% above New Mexico avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.32% above avgNationally 2.78%
Details
Effective Date: February 28, 2023
Rate History
No change since Sep 12, 2026 · 3.04% APY · checked 6 times
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
6-month CD
$5,000
3.04%
▲ 0.32% above New Mexico avg
▼
Rate3.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.72%▲ 0.32% above avgNationally 2.78%
Details
Other Fee(s) / Early Withdrawal Penalties: 1 month interest on amount withdrawn
Rate History
No change since Sep 30, 2026 · 3.04% APY · checked 4 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
6 Month Share and IRA Certificate
$1,000
3.04%
▲ 0.32% above New Mexico avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.32% above avgNationally 2.78%
Details
Regular share and IRA certificate; Minimum required deposit $1,000
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 6 times
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificate - 6 month
$0
3.04%
▲ 0.32% above New Mexico avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.72%▲ 0.32% above avgNationally 2.78%
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%
1st Certificates - 6 Month
$250
3.04%
▲ 0.32% above New Mexico avg
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.72%▲ 0.32% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 4 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
6 Month IRA Certificate
$500
3.04%
▲ 0.32% above New Mexico avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.72%▲ 0.32% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
6 Month Kirby Kid Certificates
$500
3.04%
▲ 0.32% above New Mexico avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.72%▲ 0.32% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
6 Month Term Share Certificates (TSC)
$1,000
3.04%
▲ 0.32% above New Mexico avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.72%▲ 0.32% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
6 Month Certificate
$0
3.00%
▲ 0.28% above New Mexico avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.72%▲ 0.28% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 4 times
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
6 Month Share Certificates
$500
2.78%
▲ 0.06% above New Mexico avg
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.06% above avgNationally 2.78%
Details
Rate History
No change since Sep 25, 2026 · 2.78% APY · checked 3 times
U 1st Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
6 Month Certificates of Deposit
$1,000
2.78%
▲ 0.06% above New Mexico avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.06% above avgNationally 2.78%
Details
Maximum amount accepted $250,000.00
Rate History
No change since Sep 21, 2026 · 2.78% APY · checked 4 times
Citizens Bank of Clovis
Institution Rating:
A4.8 ★Texas Ratio: 8.65%
6 Month Certificate of Deposit
$1,000
2.77%
▲ 0.05% above New Mexico avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.05% above avgNationally 2.78%
Details
Rate History
No change since Oct 8, 2026 · 2.77% APY · checked 2 times
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
6 Month Certificate of Deposit
$500
2.77%
▲ 0.05% above New Mexico avg
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.72%▲ 0.05% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 2.77% APY · checked 3 times
Mountain Star Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
6 Month CD
$1,000
2.53%
▼ 0.19% below New Mexico avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▼ 0.19% below avgNationally 2.78%
Details
Early withdrawal penalties apply.
Rate History
No change since Sep 16, 2026 · 2.53% APY · checked 5 times
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
Certificate of Deposit (CD) - 6 Months
$0
2.50%
▼ 0.22% below New Mexico avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▼ 0.22% below avgNationally 2.78%
Details
Early Withdrawal Penalty: 90 Days
Rate History
No change since Oct 12, 2026 · 2.50% APY
LOCO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.67%
6 Month Jumbo Certificate
$0
2.38%
▼ 0.34% below New Mexico avg
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.72%▼ 0.34% below avgNationally 2.78%
Details
Over $100,000
Rate History
No change since Sep 14, 2026 · 2.38% APY · checked 6 times
LOCO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.67%
6 Month Certificate of Deposit
$0
2.27%
▼ 0.45% below New Mexico avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.72%▼ 0.45% below avgNationally 2.78%
Details
Certificate of Deposit - $1000 to $99,999.99**
Rate History
No change since Sep 18, 2026 · 2.27% APY · checked 2 times
Rio Communities 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
$0
5.00%
▲ 2.05% above New Mexico avg
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.95%▲ 2.05% above avgNationally 2.99%
Details
Rate History
No change since Oct 9, 2026 · 5.00% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.40% above New Mexico avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.95%▲ 1.40% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
IRA Certificate - 12 Month
$0
4.32%
▲ 1.37% above New Mexico avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.95%▲ 1.37% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.32% APY · checked 2 times
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificate - 12 month
$0
4.32%
▲ 1.37% above New Mexico avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.95%▲ 1.37% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.32% APY · checked 5 times
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
1 Year Boost Term Share
$500
4.07%
▲ 1.12% above New Mexico avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 1.12% 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%
12 Month Boost Term Share
$100,000
4.07%
▲ 1.12% above New Mexico avg
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 1.12% above avgNationally 2.99%
Details
Jumbo CD
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
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12 Month Youth Certificate of Deposit
$100
4.06%
▲ 1.11% above New Mexico avg
▼
Rate4.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.95%▲ 1.11% above avgNationally 2.99%
Details
($10K limit per CD)
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 3 times
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
12 Month Certificate
$0
4.05%
▲ 1.10% above New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.95%▲ 1.10% 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 ESA EasyStart Certificate
$50
4.00%
▲ 1.05% above New Mexico avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.95%▲ 1.05% above avgNationally 2.99%
Details
EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
12 Month Term Certificates
$0
4.00%
▲ 1.05% above New Mexico avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 1.05% above avgNationally 2.99%
Details
Dividend Rate 3.93%; APY if dividends are not withdrawn during the term
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Jumbo Certificate - 1 Year
$100,000
4.00%
▲ 1.05% above New Mexico avg
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.95%▲ 1.05% above avgNationally 2.99%
Details
Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1-Year CD
$0
4.00%
▲ 1.05% above New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.95%▲ 1.05% above avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1-Year Term
$1,000
4.00%
▲ 1.05% above New Mexico avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.95%▲ 1.05% above avgNationally 2.99%
Details
Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
12 Month Certificates and IRA Certificates
$100,000
3.92%
▲ 0.97% above New Mexico avg
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.95%▲ 0.97% above avgNationally 2.99%
Details
APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.92% ▲ 0.36 pts · high 3.92% / low 3.56%
- Oct 9, 20263.92%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Business Certificates Minimum Balance - 12 month
$100,000
3.92%
▲ 0.97% above New Mexico avg
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.95%▲ 0.97% above avgNationally 2.99%
Details
$100,000+; DISCLOSURES $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of October 9, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. **APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.67% → 3.92% ▲ 0.25 pts · high 3.92% / low 3.67%
- Oct 9, 20263.92%▲ from 3.67%
- Sep 14, 20263.67%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
12 Month Business Certificate
$10,000
3.87%
▲ 0.92% above New Mexico avg
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.95%▲ 0.92% above avgNationally 2.99%
Details
Business Certificates - $10,000+ Minimum Balance. $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Deposit Rates are current as of October 9, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.87% ▲ 0.31 pts · high 3.87% / low 3.56%
- Oct 9, 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
$10,000
3.87%
▲ 0.92% above New Mexico avg
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.95%▲ 0.92% above avgNationally 2.99%
Details
APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.87% ▲ 0.31 pts · high 3.87% / low 3.56%
- Oct 9, 20263.87%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Railroad Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Term Share Accounts - 12 MONTH
$0
3.85%
▲ 0.90% above New Mexico avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.95%▲ 0.90% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 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%
▲ 0.87% above New Mexico avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.87% above avgNationally 2.99%
Details
Early withdrawal penalties apply.
Rate History
No change since Sep 16, 2026 · 3.82% APY · checked 5 times
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
1 Year Boost Advantage CD Saver
$50
3.82%
▲ 0.87% above New Mexico avg
▼
Rate3.75%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.87% above avgNationally 2.99%
Details
Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 4 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
12 Month Business Certificate
$1,000
3.82%
▲ 0.87% above New Mexico avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.95%▲ 0.87% above avgNationally 2.99%
Details
APY**= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
- Oct 9, 20263.82%▲ 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
$1,000
3.82%
▲ 0.87% above New Mexico avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.95%▲ 0.87% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
- Oct 9, 20263.82%▲ from 3.56%
- Sep 14, 20263.56%first recorded
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
12 Month Certificate of Deposit
$0
3.82%
▲ 0.87% above New Mexico avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.95%▲ 0.87% above avgNationally 2.99%
Details
Rate History
3 changes since Sep 14, 2026 · 3.82% → 3.82% ▲ 0.00 pts · high 3.82% / low 3.82%
- Oct 1, 20263.82%▲ from 3.82%
- Sep 22, 20263.82%▼ from 3.82%
- Sep 18, 20263.82%▼ from 3.82%
- Sep 14, 20263.82%first recorded
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
IRA Accounts or more - 12 Month CD
$1,000
3.82%
▲ 0.87% above New Mexico avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.95%▲ 0.87% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.82% → 3.82% ▲ 0.00 pts · high 3.82% / low 3.82%
- Oct 9, 20263.82%▲ from 3.82%
- Sep 18, 20263.82%first recorded
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12-Month Certificate of Deposit
$1,000
3.75%
▲ 0.80% above New Mexico avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Mexico Average2.95%▲ 0.80% above avgNationally 2.99%
Details
Balances Over $1,000
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12-Month IRA Certificate of Deposit
$1,000
3.75%
▲ 0.80% above New Mexico avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Mexico Average2.95%▲ 0.80% above avgNationally 2.99%
Details
Balances Over $1,000
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
12-Month Share Certificate
$500
3.56%
▲ 0.61% above New Mexico avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.61% above avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 3.56% APY · checked 2 times
First National Bank Alamogordo, NM
Institution Rating:
F1.2 ★Texas Ratio: 43.89%
IRA 12 Month
$500
3.53%
▲ 0.58% above New Mexico avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.58% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 3 times
First National Bank Alamogordo, NM
Institution Rating:
F1.2 ★Texas Ratio: 43.89%
ROTH 12 Month
$500
3.53%
▲ 0.58% above New Mexico avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.58% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 3 times
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
Certificate of Deposit (CD) - 12 Months
$0
3.50%
▲ 0.55% above New Mexico avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.55% above avgNationally 2.99%
Details
Early Withdrawal Penalty: 90 Days
Rate History
No change since Oct 12, 2026 · 3.50% APY
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
IRA Certificates - 12-Month
$0
3.45%
▲ 0.50% above New Mexico avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.50% above avgNationally 2.99%
Details
IRA
Rate History
No change since Sep 25, 2026 · 3.45% APY · checked 4 times
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Share Certificate - 12-Month
$0
3.45%
▲ 0.50% above New Mexico avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.50% above avgNationally 2.99%
Details
Regular
Rate History
No change since Sep 25, 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 - 1 Year - Loyalty
$25,000
3.45%
▲ 0.50% above New Mexico avg
▼
Rate3.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.50% above avgNationally 2.99%
Details
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
Rate History
1 change since Sep 17, 2026 · 3.40% → 3.45% ▲ 0.05 pts · high 3.45% / low 3.40%
- Oct 12, 20263.45%▲ from 3.40%
- Sep 17, 20263.40%first recorded
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
New Share / IRA Certificates - 12 months
$0
3.45%
▲ 0.50% above New Mexico avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.50% above avgNationally 2.99%
Details
Effective August 21, 2026; Early withdrawal penalties apply
Rate History
No change since Oct 12, 2026 · 3.45% APY
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share / IRA Certificate - 12 months
$1,000
3.45%
▲ 0.50% above New Mexico avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.50% above avgNationally 2.99%
Details
Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.40%; Early withdrawal penalties apply
Rate History
No change since Oct 12, 2026 · 3.45% APY
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
IRA Share Certificate - 12 Months
$500
3.45%
▲ 0.50% above New Mexico avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.95%▲ 0.50% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 3 times
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
Share Certificates - 12 Months
$500
3.45%
▲ 0.50% above New Mexico avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.95%▲ 0.50% above avgNationally 2.99%
Details
New Money= Funds not currently on deposit with RGCU.
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 5 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
12 Month Term Share/IRA Jumbo Certificates
$0
3.40%
▲ 0.45% above New Mexico avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.95%▲ 0.45% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 5 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
1 Year Share and IRA Certificate - Loyalty
$1,000
3.35%
▲ 0.40% above New Mexico avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.40% above avgNationally 2.99%
Details
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $1,000
Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
12 Month Share Certificates
$500
3.30%
▲ 0.35% above New Mexico avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.35% above avgNationally 2.99%
Details
Rate History
No change since Sep 25, 2026 · 3.30% APY · checked 3 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
12 Month IRA Certificate
$500
3.30%
▲ 0.35% above New Mexico avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.95%▲ 0.35% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 4 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
12 Month Kirby Kid Certificates
$500
3.30%
▲ 0.35% above New Mexico avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.95%▲ 0.35% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 4 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
12 Month Term Share Certificates (TSC)
$1,000
3.30%
▲ 0.35% above New Mexico avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.95%▲ 0.35% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 4 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
1st Certificates - 12 Month
$250
3.30%
▲ 0.35% above New Mexico avg
▼
Rate3.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.95%▲ 0.35% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
1-year IRA
$100
3.25%
▲ 0.30% above New Mexico avg
▼
Rate3.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.95%▲ 0.30% above avgNationally 2.99%
Details
Other Fee(s) / Penalties: 3 months interest on amount withdrawn
Rate History
No change since Sep 30, 2026 · 3.25% APY · checked 4 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - 1 Year
$25,000
3.25%
▲ 0.30% above New Mexico avg
▼
Rate3.20%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.30% above avgNationally 2.99%
Details
Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.25% ▲ 0.05 pts · high 3.25% / low 3.20%
- Oct 12, 20263.25%▲ from 3.20%
- Sep 14, 20263.20%first recorded
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
12 Month Share Certificates
$0
3.25%
▲ 0.30% above New Mexico avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.95%▲ 0.30% above avgNationally 2.99%
Details
Bonus Rate: 3.75%; Early Withdrawal Penalty: 90 Days Interest
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
12 Month Certificate
$0
3.20%
▲ 0.25% above New Mexico avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.95%▲ 0.25% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 4 times
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
12 Month Certificate
$1,000
3.16%
▲ 0.21% above New Mexico avg
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.21% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.16% APY · checked 7 times
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
1-year CD
$5,000
3.14%
▲ 0.19% above New Mexico avg
▼
Rate3.10%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.95%▲ 0.19% above avgNationally 2.99%
Details
Other Fee(s) / Early Withdrawal Penalties: 3 months interest on amount withdrawn
Rate History
No change since Sep 30, 2026 · 3.14% APY · checked 4 times
Rio Communities 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%
IRA Share Certificate - 18 Months
$500
4.54%
▲ 1.71% above New Mexico avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 1.71% above avgNationally 2.87%
Details
New Money= Funds not currently on deposit with RGCU.
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.54% ▲ 0.52 pts · high 4.54% / low 4.02%
- Oct 9, 20264.54%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
Share Certificates - 18 Months
$500
4.54%
▲ 1.71% above New Mexico avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 1.71% above avgNationally 2.87%
Details
New Money= Funds not currently on deposit with RGCU.
Rate History
1 change since Sep 14, 2026 · 4.02% → 4.54% ▲ 0.52 pts · high 4.54% / low 4.02%
- Sep 29, 20264.54%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Capra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18-Month Bump-Up CD
$10,000
4.25%
▲ 1.42% above New Mexico avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Mexico Average2.83%▲ 1.42% above avgNationally 2.87%
Details
Bump-Up CD; Available for a limited time only!; Increase your rate once during the term of your CD if Capra's rates increase; Valid for new customers to Capra Bank; Must have or open an active Elevate or Summit checking account to obtain CD Special Offer. Restrictions apply.; Available in Dubuque, Lubbock, Albuquerque, and Boise.
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
18 Month Certificate
$0
4.15%
▲ 1.32% above New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 1.32% above avgNationally 2.87%
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
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
18 Month Certificates and IRA Certificates
$100,000
3.92%
▲ 1.09% above New Mexico avg
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 1.09% above avgNationally 2.87%
Details
APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.41% → 3.92% ▲ 0.51 pts · high 3.92% / low 3.41%
- Oct 9, 20263.92%▲ from 3.41%
- Sep 14, 20263.41%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Business Certificates Minimum Balance - 18 month
$100,000
3.92%
▲ 1.09% above New Mexico avg
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 1.09% above avgNationally 2.87%
Details
$100,000+; DISCLOSURES $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of October 9, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. **APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.51% → 3.92% ▲ 0.41 pts · high 3.92% / low 3.51%
- Oct 9, 20263.92%▲ from 3.51%
- Sep 14, 20263.51%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
18 Month Business Certificate
$10,000
3.87%
▲ 1.04% above New Mexico avg
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 1.04% above avgNationally 2.87%
Details
Business Certificates - $10,000+ Minimum Balance. $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Deposit Rates are current as of October 9, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.41% → 3.87% ▲ 0.46 pts · high 3.87% / low 3.41%
- Oct 9, 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
$10,000
3.87%
▲ 1.04% above New Mexico avg
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 1.04% above avgNationally 2.87%
Details
APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.41% → 3.87% ▲ 0.46 pts · high 3.87% / low 3.41%
- Oct 9, 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 Business Certificate
$1,000
3.82%
▲ 0.99% above New Mexico avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 0.99% above avgNationally 2.87%
Details
APY**= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.41% → 3.82% ▲ 0.41 pts · high 3.82% / low 3.41%
- Oct 9, 20263.82%▲ 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
$1,000
3.82%
▲ 0.99% above New Mexico avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 0.99% above avgNationally 2.87%
Details
Rate History
1 change since Sep 14, 2026 · 3.41% → 3.82% ▲ 0.41 pts · high 3.82% / low 3.41%
- Oct 9, 20263.82%▲ from 3.41%
- Sep 14, 20263.41%first recorded
First National Bank Alamogordo, NM
Institution Rating:
F1.2 ★Texas Ratio: 43.89%
IRA 18 Month
$500
3.79%
▲ 0.96% above New Mexico avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.96% above avgNationally 2.87%
Details
Rate History
No change since Sep 14, 2026 · 3.79% APY · checked 3 times
First National Bank Alamogordo, NM
Institution Rating:
F1.2 ★Texas Ratio: 43.89%
ROTH 18 Month
$500
3.79%
▲ 0.96% above New Mexico avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.96% above avgNationally 2.87%
Details
Rate History
No change since Sep 14, 2026 · 3.79% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.87% above New Mexico avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.83%▲ 0.87% above avgNationally 2.87%
Details
EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
IRA Certificates - 18-Month
$0
3.70%
▲ 0.87% above New Mexico avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.87% above avgNationally 2.87%
Details
IRA
Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 4 times
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Share Certificate - 18-Month
$0
3.70%
▲ 0.87% above New Mexico avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.87% above avgNationally 2.87%
Details
Regular
Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 4 times
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
18 Month Certificate of Deposit
$0
3.61%
▲ 0.78% above New Mexico avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 0.78% above avgNationally 2.87%
Details
Rate History
3 changes since Sep 14, 2026 · 3.61% → 3.61% ▲ 0.00 pts · high 3.61% / low 3.61%
- Oct 1, 20263.61%▲ from 3.61%
- Sep 22, 20263.61%▼ from 3.61%
- Sep 18, 20263.61%▼ from 3.61%
- Sep 14, 20263.61%first recorded
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
18 Month Certificate
$1,000
3.60%
▲ 0.77% above New Mexico avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 0.77% above avgNationally 2.87%
Details
Balance: $1,000 - $150,000
Rate History
No change since Sep 22, 2026 · 3.60% APY · checked 3 times
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18-Month Certificate of Deposit
$1,000
3.50%
▲ 0.67% above New Mexico avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Mexico Average2.83%▲ 0.67% above avgNationally 2.87%
Details
Balances Over $1,000
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - 18 Month - Loyalty
$25,000
3.50%
▲ 0.67% above New Mexico avg
▼
Rate3.45%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.67% above avgNationally 2.87%
Details
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
Rate History
1 change since Sep 17, 2026 · 3.45% → 3.50% ▲ 0.05 pts · high 3.50% / low 3.45%
- Oct 12, 20263.50%▲ from 3.45%
- Sep 17, 20263.45%first recorded
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
New Share / IRA Certificates - 18 months
$0
3.50%
▲ 0.67% above New Mexico avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.67% above avgNationally 2.87%
Details
Effective August 21, 2026; Early withdrawal penalties apply
Rate History
No change since Oct 12, 2026 · 3.50% APY
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share / IRA Certificate - 18 months
$1,000
3.50%
▲ 0.67% above New Mexico avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.67% above avgNationally 2.87%
Details
Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.45%; Early withdrawal penalties apply
Rate History
No change since Oct 12, 2026 · 3.50% APY
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
18 Month Share and IRA Certificate - Loyalty
$1,000
3.40%
▲ 0.57% above New Mexico avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.57% above avgNationally 2.87%
Details
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $1,000
Rate History
No change since Oct 8, 2026 · 3.40% APY · checked 2 times
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%
▲ 0.47% above New Mexico avg
▼
Rate3.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.47% above avgNationally 2.87%
Details
Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
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%
▲ 0.47% above New Mexico avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.83%▲ 0.47% above avgNationally 2.87%
Details
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
Certificate of Deposit (CD) - 18 Months
$0
3.25%
▲ 0.42% above New Mexico avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.42% above avgNationally 2.87%
Details
Early Withdrawal Penalty: 90 Days
Rate History
No change since Oct 12, 2026 · 3.25% APY
Financial Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
18 Month Certificate
$0
3.23%
▲ 0.40% above New Mexico avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 0.40% above avgNationally 2.87%
Details
Balance: $250,000 and up
Rate History
No change since Sep 29, 2026 · 3.23% APY · checked 2 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
18 Month Share and IRA Certificate
$1,000
3.20%
▲ 0.37% above New Mexico avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.37% above avgNationally 2.87%
Details
Regular share and IRA certificate; Minimum required deposit $1,000
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%
18 Month IRA Certificate
$500
3.20%
▲ 0.37% above New Mexico avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.83%▲ 0.37% above avgNationally 2.87%
Details
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 4 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
18 Month Kirby Kid Certificates
$500
3.20%
▲ 0.37% above New Mexico avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.83%▲ 0.37% above avgNationally 2.87%
Details
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 4 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
18 Month Term Share Certificates (TSC)
$1,000
3.20%
▲ 0.37% above New Mexico avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.83%▲ 0.37% above avgNationally 2.87%
Details
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 4 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
1st Certificates - 18 Month
$250
3.20%
▲ 0.37% above New Mexico avg
▼
Rate3.15%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.83%▲ 0.37% above avgNationally 2.87%
Details
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 Certificate
$0
3.13%
▲ 0.30% above New Mexico avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 0.30% above avgNationally 2.87%
Details
Balance: $150,000-$249,999.99
Rate History
No change since Sep 29, 2026 · 3.13% APY · checked 2 times
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
18 Month Share Certificates
$500
3.04%
▲ 0.21% above New Mexico avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.21% above avgNationally 2.87%
Details
Rate History
No change since Sep 25, 2026 · 3.04% APY · checked 3 times
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
18 Month Certificate
$1,000
3.00%
▲ 0.17% above New Mexico avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.17% above avgNationally 2.87%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Tucumcari Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
Variable IRA- 18 Month
$0
2.84%
▲ 0.01% above New Mexico avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Mexico Average2.83%▲ 0.01% above avgNationally 2.87%
Details
Rate History
No change since Sep 14, 2026 · 2.84% APY · checked 6 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
18-Month CD
$0
2.75%
▼ 0.08% below New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.83%▼ 0.08% below avgNationally 2.87%
Details
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
18-Month Term
$1,000
2.75%
▼ 0.08% below New Mexico avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.83%▼ 0.08% below avgNationally 2.87%
Details
Rate History
No change since Sep 27, 2026 · 2.75% APY · checked 4 times
LOCO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.67%
18 Month Jumbo Certificate
$0
2.37%
▼ 0.46% below New Mexico avg
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▼ 0.46% below avgNationally 2.87%
Details
Over $100,000
Rate History
No change since Sep 14, 2026 · 2.37% APY · checked 6 times
LOCO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.67%
18 Month Certificate of Deposit
$0
2.27%
▼ 0.56% below New Mexico avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▼ 0.56% below avgNationally 2.87%
Details
Certificate of Deposit - $1000 to $99,999.99**
Rate History
No change since Sep 18, 2026 · 2.27% APY · checked 2 times
US Eagle Federal Credit Union
Institution Rating:
F2.6 ★Texas Ratio: 44.42%
18 Month Certificate
$0
2.25%
▼ 0.58% below New Mexico avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▼ 0.58% below avgNationally 2.87%
Details
MemPerx Max Benefit: 2.76%
Rate History
No change since Sep 25, 2026 · 2.25% APY · checked 4 times
US Eagle Federal Credit Union
Institution Rating:
F2.6 ★Texas Ratio: 44.42%
18 Month IRA Certificate
$0
2.00%
▼ 0.83% below New Mexico avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▼ 0.83% below avgNationally 2.87%
Details
Rate History
No change since Oct 8, 2026 · 2.00% APY · checked 2 times
Jemez Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
18-Month IRA Certificates
$1,000
1.51%
▼ 1.32% below New Mexico avg
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▼ 1.32% below avgNationally 2.87%
Details
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 4 times
Jemez Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
18-Month Share Certificate
$1,000
1.51%
▼ 1.32% below New Mexico avg
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▼ 1.32% below avgNationally 2.87%
Details
Rate History
No change since Sep 22, 2026 · 1.51% APY · checked 3 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
18 Month Certificate
$0
1.50%
▼ 1.33% below New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average2.83%▼ 1.33% below avgNationally 2.87%
Details
Under $100,000
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
IRA CD - 18 Months
$0
1.50%
▼ 1.33% below New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average2.83%▼ 1.33% below avgNationally 2.87%
Details
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
18 Month IRA Certificates
$0
0.75%
▼ 2.08% below New Mexico avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.83%▼ 2.08% below avgNationally 2.87%
Details
Balance: $1,000
Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
18 Month Standard CD
$0
0.75%
▼ 2.08% below New Mexico avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.83%▼ 2.08% below avgNationally 2.87%
Details
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
First National Bank in Trinidad
Institution Rating:
A-4.4 ★Texas Ratio: 8.33%
18 Month CD
$1,000
0.60%
▼ 2.23% below New Mexico avg
▼
Rate0.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average2.83%▼ 2.23% below avgNationally 2.87%
Details
On Deposits up to $100,000
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 7 times
First National Bank in Trinidad
Institution Rating:
A-4.4 ★Texas Ratio: 8.33%
18 Month Jumbo CD
$100,000
0.60%
▼ 2.23% below New Mexico avg
▼
Rate0.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average2.83%▼ 2.23% below avgNationally 2.87%
Details
On Deposits $100,000 and over
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 7 times
First National Bank in Trinidad
Institution Rating:
A-4.4 ★Texas Ratio: 8.33%
IRA Fixed Rate 18 Month CD
$5,000
0.60%
▼ 2.23% below New Mexico avg
▼
Rate0.60%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average2.83%▼ 2.23% below avgNationally 2.87%
Details
On Deposits up to $100,000
Rate History
No change since Sep 27, 2026 · 0.60% APY · checked 2 times
Rio Communities 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%
▲ 2.28% above New Mexico avg
▼
Rate5.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 2.28% above avgNationally 2.88%
Details
Rate History
No change since Oct 12, 2026 · 5.12% APY
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
IRA Certificate - 24 Month
$0
4.58%
▲ 1.74% above New Mexico avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.84%▲ 1.74% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.58% APY · checked 2 times
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
24 Month Certificate
$0
4.50%
▲ 1.66% above New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.84%▲ 1.66% above avgNationally 2.88%
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
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
IRA/Share Certificate 24 Months
$0
4.29%
▲ 1.45% above New Mexico avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.84%▲ 1.45% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.29% APY · checked 4 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
24 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 9, 2026
New Mexico Average2.84%▲ 1.34% above avgNationally 2.88%
Details
APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.30% → 4.18% ▲ 0.88 pts · high 4.18% / low 3.30%
- Oct 9, 20264.18%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Business Certificates Minimum Balance - 24 month
$100,000
4.18%
▲ 1.34% above New Mexico avg
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.84%▲ 1.34% above avgNationally 2.88%
Details
$100,000+; DISCLOSURES $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of October 9, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. **APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.41% → 4.18% ▲ 0.77 pts · high 4.18% / low 3.41%
- Oct 9, 20264.18%▲ from 3.41%
- Sep 14, 20263.41%first recorded
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificate - 24 month
$0
4.16%
▲ 1.32% above New Mexico avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.84%▲ 1.32% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 5 times
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
2 Year Certificate
$100,000
4.15%
▲ 1.31% above New Mexico avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.84%▲ 1.31% above avgNationally 2.88%
Details
Promotion is for a limited time on a 2-year share certificate (Consumer and Business) with a $100,000 minimum deposit. FirstLight Federal Credit Union reserves the right to end or modify a special/promotional rate at any time. Penalties apply for early withdrawal from certificates. Unless you indicate otherwise, the certificate will be renewed at maturity at a like term, if available, or at the then-current rate in effect. Other restrictions may apply.
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
24 Month Business Certificate
$10,000
4.13%
▲ 1.29% above New Mexico avg
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.84%▲ 1.29% above avgNationally 2.88%
Details
Business Certificates - $10,000+ Minimum Balance. $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Deposit Rates are current as of October 9, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.30% → 4.13% ▲ 0.83 pts · high 4.13% / low 3.30%
- Oct 9, 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
$10,000
4.13%
▲ 1.29% above New Mexico avg
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.84%▲ 1.29% above avgNationally 2.88%
Details
APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.30% → 4.13% ▲ 0.83 pts · high 4.13% / low 3.30%
- Oct 9, 20264.13%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
24 Month Term Certificates
$0
4.11%
▲ 1.27% above New Mexico avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 1.27% above avgNationally 2.88%
Details
Dividend Rate 4.03%; APY if dividends are not withdrawn during the term
Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 5 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
24 Month Business Certificate
$1,000
4.08%
▲ 1.24% above New Mexico avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.84%▲ 1.24% above avgNationally 2.88%
Details
APY**= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.30% → 4.08% ▲ 0.78 pts · high 4.08% / low 3.30%
- Oct 9, 20264.08%▲ 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
$1,000
4.08%
▲ 1.24% above New Mexico avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.84%▲ 1.24% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.30% → 4.08% ▲ 0.78 pts · high 4.08% / low 3.30%
- Oct 9, 20264.08%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
24 Month Boost Term Share
$100,000
4.07%
▲ 1.23% above New Mexico avg
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 1.23% above avgNationally 2.88%
Details
Jumbo CD
Rate History
1 change since Sep 25, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56%
- Oct 4, 20264.07%▲ from 3.56%
- Sep 25, 20263.56%first recorded
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
2 Year Boost Term Share
$500
3.82%
▲ 0.98% above New Mexico avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 0.98% above avgNationally 2.88%
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%
IRA Certificates - 24-Month
$0
3.75%
▲ 0.91% above New Mexico avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 0.91% above avgNationally 2.88%
Details
IRA
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Share Certificate - 24-Month
$0
3.75%
▲ 0.91% above New Mexico avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 0.91% above avgNationally 2.88%
Details
Regular
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
24 Month Certificate of Deposit
$0
3.61%
▲ 0.77% above New Mexico avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.84%▲ 0.77% above avgNationally 2.88%
Details
Rate History
3 changes since Sep 14, 2026 · 3.61% → 3.61% ▲ 0.00 pts · high 3.61% / low 3.61%
- Oct 1, 20263.61%▲ from 3.61%
- Sep 22, 20263.61%▼ from 3.61%
- Sep 18, 20263.61%▼ from 3.61%
- Sep 14, 20263.61%first recorded
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
IRA Accounts or more - 24 Month CD
$1,000
3.61%
▲ 0.77% above New Mexico avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.84%▲ 0.77% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.61% → 3.61% ▲ 0.00 pts · high 3.61% / low 3.61%
- Oct 9, 20263.61%▲ from 3.61%
- Sep 18, 20263.61%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month ESA EasyStart Certificate
$50
3.60%
▲ 0.76% above New Mexico avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.84%▲ 0.76% above avgNationally 2.88%
Details
EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 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 - 2 Year - Loyalty
$25,000
3.56%
▲ 0.72% above New Mexico avg
▼
Rate3.50%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 0.72% above avgNationally 2.88%
Details
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
Rate History
1 change since Sep 17, 2026 · 3.51% → 3.56% ▲ 0.05 pts · high 3.56% / low 3.51%
- Oct 12, 20263.56%▲ from 3.51%
- Sep 17, 20263.51%first recorded
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
New Share / IRA Certificates - 24 months
$0
3.55%
▲ 0.71% above New Mexico avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 0.71% above avgNationally 2.88%
Details
Effective August 21, 2026; Early withdrawal penalties apply
Rate History
No change since Oct 12, 2026 · 3.55% APY
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share / IRA Certificate - 24 months
$1,000
3.55%
▲ 0.71% above New Mexico avg
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 0.71% above avgNationally 2.88%
Details
Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.49%; Early withdrawal penalties apply
Rate History
No change since Oct 12, 2026 · 3.55% APY
Railroad Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Term Share Accounts - 24 MONTH
$0
3.55%
▲ 0.71% above New Mexico avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.84%▲ 0.71% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
IRA Share Certificate - 24 Months
$500
3.51%
▲ 0.67% above New Mexico avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.84%▲ 0.67% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 3 times
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
Share Certificates - 24 Months
$500
3.51%
▲ 0.67% above New Mexico avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.84%▲ 0.67% above avgNationally 2.88%
Details
New Money= Funds not currently on deposit with RGCU.
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2 Year Share and IRA Certificate - Loyalty
$1,000
3.45%
▲ 0.61% above New Mexico avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 0.61% above avgNationally 2.88%
Details
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $1,000
Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 2 times
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2-year IRA
$100
3.35%
▲ 0.51% above New Mexico avg
▼
Rate3.30%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.84%▲ 0.51% above avgNationally 2.88%
Details
Other Fee(s) / Penalties: 3 months interest on amount withdrawn
Rate History
No change since Sep 30, 2026 · 3.35% APY · checked 4 times
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%
▲ 0.51% above New Mexico avg
▼
Rate3.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 0.51% above avgNationally 2.88%
Details
Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
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 Months
$0
3.35%
▲ 0.51% above New Mexico avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 0.51% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 90 Days
Rate History
No change since Oct 12, 2026 · 3.35% APY
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 Month Bump-it-Up Share Certificate
$2,000
3.30%
▲ 0.46% above New Mexico avg
▼
Rate3.25%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 0.46% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 3.30% APY · checked 3 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
24 Month Term Share/IRA Jumbo Certificates
$0
3.30%
▲ 0.46% above New Mexico avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.84%▲ 0.46% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
24 Month Certificate of Deposit
$500
3.29%
▲ 0.45% above New Mexico avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.84%▲ 0.45% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 3 times
Financial Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
2 Year Term
$0
3.29%
▲ 0.45% above New Mexico avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.84%▲ 0.45% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 5 times
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2-year CD
$5,000
3.25%
▲ 0.41% above New Mexico avg
▼
Rate3.20%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.84%▲ 0.41% above avgNationally 2.88%
Details
Other Fee(s) / Early Withdrawal Penalties: 3 months interest on amount withdrawn
Rate History
No change since Sep 30, 2026 · 3.25% APY · checked 4 times
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2-Year Ladder CD
$5,000
3.25%
▲ 0.41% above New Mexico avg
▼
Rate3.20%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.84%▲ 0.41% above avgNationally 2.88%
Details
Renewal Term: 60 months from initial maturity; Renewal Rate: 0.25% above regularly offered 60 month rate at maturity; Early Withdrawal Penalty: 6 months interest penalty on balance withdrawn. Fees could reduce earnings on account.
Rate History
No change since Oct 6, 2026 · 3.25% APY · checked 2 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2 Year Share and IRA Certificate
$1,000
3.25%
▲ 0.41% above New Mexico avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 0.41% above avgNationally 2.88%
Details
Regular share and IRA certificate; Minimum required deposit $1,000
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2 Year CD Ladder
$25,000
3.20%
▲ 0.36% above New Mexico avg
▼
Rate3.20%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.84%▲ 0.36% above avgNationally 2.88%
Details
Initial interest rate: 1 year for 3.10%, 2 years for 3.20%, 3 years for 3.40%, 4 years for 3.45%, and 5 years for 3.50%. This is a blended first year Annual Percentage Yield (APY) of 3.38%. After the first year, the CD with an initial term of 1-year will be renewed at 0.25% above the 5-year CD rate offered at that time. Your 2-year, 3-year, 4-year, and 5-year CDs in the Ladder will continue to pay their initial interest rate until their first maturity. 6-month interest penalty on withdrawals before maturity. 10-day grace period during which you can make withdrawals with no penalty, or even add more money to your CD.
Rate History
No change since Oct 10, 2026 · 3.20% APY
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
24 Month Certificate
$0
3.20%
▲ 0.36% above New Mexico avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.84%▲ 0.36% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 4 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
1st Certificates - 24 Month
$250
3.20%
▲ 0.36% above New Mexico avg
▼
Rate3.15%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.84%▲ 0.36% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 4 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
24 Month IRA Certificate
$500
3.20%
▲ 0.36% above New Mexico avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.84%▲ 0.36% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 4 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
24 Month Kirby Kid Certificates
$500
3.20%
▲ 0.36% above New Mexico avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.84%▲ 0.36% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 4 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
24 Month Term Share Certificates (TSC)
$1,000
3.20%
▲ 0.36% above New Mexico avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.84%▲ 0.36% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 4 times
Mountain Star Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
24 Month CD
$1,000
3.05%
▲ 0.21% above New Mexico avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 0.21% above avgNationally 2.88%
Details
Early withdrawal penalties apply.
Rate History
No change since Sep 16, 2026 · 3.05% APY · checked 5 times
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
24 Month Share Certificates
$500
3.04%
▲ 0.20% above New Mexico avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 0.20% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 3.04% APY · checked 3 times
Citizens Bank of Clovis
Institution Rating:
A4.8 ★Texas Ratio: 8.65%
24 Month Time Deposit
$1,000
2.79%
▼ 0.05% below New Mexico avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▼ 0.05% below avgNationally 2.88%
Details
Rate History
No change since Sep 20, 2026 · 2.79% APY · checked 4 times
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
24 Month Share Certificates
$0
2.75%
▼ 0.09% below New Mexico avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.84%▼ 0.09% below avgNationally 2.88%
Details
Bonus Rate: 3.25%; Early Withdrawal Penalty: 180 Days Interest
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
benefits 24 Month
$0
2.75%
▼ 0.09% below New Mexico avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.84%▼ 0.09% below avgNationally 2.88%
Details
Bonus Rate: 3.25%; EWP: 180 Days Interest
Rate History
No change since Oct 9, 2026 · 2.75% APY
Century Bank Santa Fe, NM
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
2 Year Certificate
$1,000
2.68%
▼ 0.16% below New Mexico avg
▼
Rate2.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▼ 0.16% below avgNationally 2.88%
Details
Rate History
2 changes since Sep 14, 2026 · 2.52% → 2.68% ▲ 0.16 pts · high 2.68% / low 2.52%
- Oct 8, 20262.68%▲ from 2.65%
- Sep 24, 20262.65%▲ from 2.52%
- Sep 14, 20262.52%first recorded
Century Bank Santa Fe, NM
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
2 Year Certificate
$1,000
2.65%
▼ 0.19% below New Mexico avg
▼
Rate2.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▼ 0.19% below avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 2.52% → 2.65% ▲ 0.13 pts · high 2.65% / low 2.52%
- Sep 24, 20262.65%▲ from 2.52%
- Sep 14, 20262.52%first recorded
Rio Communities 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 Certificates and IRA Certificates
$100,000
4.18%
▲ 1.43% above New Mexico avg
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.75%▲ 1.43% above avgNationally 2.81%
Details
APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.18% ▲ 0.93 pts · high 4.18% / low 3.25%
- Oct 9, 20264.18%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Business Certificates Minimum Balance - 36 month
$100,000
4.18%
▲ 1.43% above New Mexico avg
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.75%▲ 1.43% above avgNationally 2.81%
Details
$100,000+; DISCLOSURES $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of October 9, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. **APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.41% → 4.18% ▲ 0.77 pts · high 4.18% / low 3.41%
- Oct 9, 20264.18%▲ from 3.41%
- Sep 14, 20263.41%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$100,000
4.15%
▲ 1.40% above New Mexico avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.75%▲ 1.40% above avgNationally 2.81%
Details
Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
36 Month Business Certificate
$10,000
4.13%
▲ 1.38% above New Mexico avg
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.75%▲ 1.38% above avgNationally 2.81%
Details
Business Certificates - $10,000+ Minimum Balance. $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Deposit Rates are current as of October 9, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.13% ▲ 0.88 pts · high 4.13% / low 3.25%
- Oct 9, 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
$10,000
4.13%
▲ 1.38% above New Mexico avg
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.75%▲ 1.38% above avgNationally 2.81%
Details
APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.13% ▲ 0.88 pts · high 4.13% / low 3.25%
- Oct 9, 20264.13%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$1,000
4.10%
▲ 1.35% above New Mexico avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.75%▲ 1.35% above avgNationally 2.81%
Details
Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
36 Month Business Certificate
$1,000
4.08%
▲ 1.33% above New Mexico avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.75%▲ 1.33% above avgNationally 2.81%
Details
APY**= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.08% ▲ 0.83 pts · high 4.08% / low 3.25%
- Oct 9, 20264.08%▲ 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
$1,000
4.08%
▲ 1.33% above New Mexico avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.75%▲ 1.33% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.08% ▲ 0.83 pts · high 4.08% / low 3.25%
- Oct 9, 20264.08%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Santa Fe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
6-36 Month Certificates of Deposit
$500
4.07%
▲ 1.32% above New Mexico avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 1.32% above avgNationally 2.81%
Details
Our highest dividends
Rate History
1 change since Sep 14, 2026 · 3.45% → 4.07% ▲ 0.62 pts · high 4.07% / low 3.45%
- Oct 4, 20264.07%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
IRA Certificates - 36-Month Bump
$0
3.80%
▲ 1.05% above New Mexico avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 1.05% above avgNationally 2.81%
Details
IRA; Bump
Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Share Certificate - 36-Month Bump
$0
3.80%
▲ 1.05% above New Mexico avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 1.05% above avgNationally 2.81%
Details
Regular; Bump
Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - 3 Year - Loyalty
$25,000
3.67%
▲ 0.92% above New Mexico avg
▼
Rate3.60%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.92% above avgNationally 2.81%
Details
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
Rate History
1 change since Sep 17, 2026 · 3.56% → 3.67% ▲ 0.11 pts · high 3.67% / low 3.56%
- Oct 12, 20263.67%▲ from 3.56%
- Sep 17, 20263.56%first recorded
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
36 Month Term Certificates
$0
3.65%
▲ 0.90% above New Mexico avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.90% above avgNationally 2.81%
Details
Dividend Rate 3.59%; APY if dividends are not withdrawn during the term
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
New Share / IRA Certificates - 36 months
$0
3.60%
▲ 0.85% above New Mexico avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.85% above avgNationally 2.81%
Details
Effective August 21, 2026; Early withdrawal penalties apply
Rate History
No change since Oct 12, 2026 · 3.60% APY
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share / IRA Certificate - 36 months
$1,000
3.60%
▲ 0.85% above New Mexico avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.85% above avgNationally 2.81%
Details
Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.54%; Early withdrawal penalties apply
Rate History
No change since Oct 12, 2026 · 3.60% APY
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
3-year IRA
$100
3.56%
▲ 0.81% above New Mexico avg
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.75%▲ 0.81% above avgNationally 2.81%
Details
Other Fee(s) / Penalties: 3 months interest on amount withdrawn
Rate History
No change since Sep 30, 2026 · 3.56% APY · checked 4 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3 Year Share and IRA Certificate - Loyalty
$1,000
3.56%
▲ 0.81% above New Mexico avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.81% above avgNationally 2.81%
Details
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $1,000
Rate History
No change since Oct 8, 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%
▲ 0.78% above New Mexico avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.78% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 3 times
First National Bank Alamogordo, NM
Institution Rating:
F1.2 ★Texas Ratio: 43.89%
ROTH 36 Month
$500
3.53%
▲ 0.78% above New Mexico avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.78% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 3 times
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
36 Month Certificate of Deposit
$0
3.51%
▲ 0.76% above New Mexico avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.75%▲ 0.76% above avgNationally 2.81%
Details
Rate History
3 changes since Sep 14, 2026 · 3.51% → 3.51% ▲ 0.00 pts · high 3.51% / low 3.51%
- Oct 1, 20263.51%▲ from 3.51%
- Sep 22, 20263.51%▼ from 3.51%
- Sep 18, 20263.51%▼ from 3.51%
- Sep 14, 20263.51%first recorded
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
Certificate of Deposit (CD) - 36 Months
$0
3.50%
▲ 0.75% above New Mexico avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.75% above avgNationally 2.81%
Details
Early Withdrawal Penalty: 90 Days
Rate History
No change since Oct 12, 2026 · 3.50% APY
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificate - 36 month
$0
3.49%
▲ 0.74% above New Mexico avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.75%▲ 0.74% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 5 times
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
3-year CD
$5,000
3.45%
▲ 0.70% above New Mexico avg
▼
Rate3.40%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.75%▲ 0.70% above avgNationally 2.81%
Details
Other Fee(s) / Early Withdrawal Penalties: 3 months interest on amount withdrawn
Rate History
No change since Sep 30, 2026 · 3.45% APY · checked 4 times
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
3-Year Ladder CD
$5,000
3.45%
▲ 0.70% above New Mexico avg
▼
Rate3.40%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.75%▲ 0.70% above avgNationally 2.81%
Details
Renewal Term: 60 months from initial maturity; Renewal Rate: 0.25% above regularly offered 60 month rate at maturity; Early Withdrawal Penalty: 6 months interest penalty on balance withdrawn. Fees could reduce earnings on account.
Rate History
No change since Oct 6, 2026 · 3.45% APY · checked 2 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%
▲ 0.70% above New Mexico avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.70% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 2 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%
▲ 0.70% above New Mexico avg
▼
Rate3.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.70% above avgNationally 2.81%
Details
Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
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
Railroad Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Term Share Accounts - 36 MONTH
$0
3.44%
▲ 0.69% above New Mexico avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.75%▲ 0.69% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 2 times
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
3 Year CD Ladder
$25,000
3.40%
▲ 0.65% above New Mexico avg
▼
Rate3.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.75%▲ 0.65% above avgNationally 2.81%
Details
Initial interest rate: 1 year for 3.10%, 2 years for 3.20%, 3 years for 3.40%, 4 years for 3.45%, and 5 years for 3.50%. This is a blended first year Annual Percentage Yield (APY) of 3.38%. After the first year, the CD with an initial term of 1-year will be renewed at 0.25% above the 5-year CD rate offered at that time. Your 2-year, 3-year, 4-year, and 5-year CDs in the Ladder will continue to pay their initial interest rate until their first maturity. 6-month interest penalty on withdrawals before maturity. 10-day grace period during which you can make withdrawals with no penalty, or even add more money to your CD.
Rate History
No change since Oct 10, 2026 · 3.40% APY
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
3 Year Boost Term Share
$500
3.40%
▲ 0.65% above New Mexico avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.65% above avgNationally 2.81%
Details
Rate History
No change since Sep 25, 2026 · 3.40% APY · checked 4 times
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Month Boost Term Share
$100,000
3.40%
▲ 0.65% above New Mexico avg
▼
Rate3.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.65% above avgNationally 2.81%
Details
Jumbo CD
Rate History
No change since Sep 25, 2026 · 3.40% APY · checked 4 times
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
IRA Share Certificate - 36 Months
$500
3.40%
▲ 0.65% above New Mexico avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.75%▲ 0.65% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 3 times
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
Share Certificates - 36 Months
$500
3.40%
▲ 0.65% above New Mexico avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.75%▲ 0.65% above avgNationally 2.81%
Details
New Money= Funds not currently on deposit with RGCU.
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 5 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3 Year Share and IRA Certificate
$1,000
3.35%
▲ 0.60% above New Mexico avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.60% above avgNationally 2.81%
Details
Regular share and IRA certificate; Minimum required deposit $1,000
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 6 times
Financial Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
3 Year Term
$0
3.34%
▲ 0.59% above New Mexico avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.75%▲ 0.59% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.34% APY · checked 5 times
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
36 Month Certificate of Deposit
$500
3.29%
▲ 0.54% above New Mexico avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.75%▲ 0.54% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 3 times
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
36 Month Share Certificates
$500
3.09%
▲ 0.34% above New Mexico avg
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.34% above avgNationally 2.81%
Details
Rate History
No change since Sep 25, 2026 · 3.09% APY · checked 3 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
36 Month Term Share/IRA Jumbo Certificates
$0
3.09%
▲ 0.34% above New Mexico avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.75%▲ 0.34% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 5 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
1st Certificates - 36 Month
$250
2.99%
▲ 0.24% above New Mexico avg
▼
Rate2.95%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.75%▲ 0.24% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.99% APY · checked 4 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
36 Month IRA Certificate
$500
2.99%
▲ 0.24% above New Mexico avg
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.75%▲ 0.24% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 2.99% APY · checked 4 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
36 Month Kirby Kid Certificates
$500
2.99%
▲ 0.24% above New Mexico avg
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.75%▲ 0.24% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 2.99% APY · checked 4 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
36 Month Term Share Certificates (TSC)
$1,000
2.99%
▲ 0.24% above New Mexico avg
▼
Rate2.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.75%▲ 0.24% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 2.99% APY · checked 4 times
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
36 Month Share Certificates
$0
2.90%
▲ 0.15% above New Mexico avg
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.75%▲ 0.15% above avgNationally 2.81%
Details
Bonus Rate: 3.40%; Early Withdrawal Penalty: 180 Days Interest
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
Citizens Bank of Clovis
Institution Rating:
A4.8 ★Texas Ratio: 8.65%
36 Month Time Deposit
$1,000
2.63%
▼ 0.12% below New Mexico avg
▼
Rate2.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▼ 0.12% below avgNationally 2.81%
Details
Rate History
No change since Sep 20, 2026 · 2.63% APY · checked 4 times
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
36 Month Share Certificates
$0
2.57%
▼ 0.18% below New Mexico avg
▼
Rate2.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.75%▼ 0.18% below avgNationally 2.81%
Details
Bonus Rate: 3.07%; Early Withdrawal Penalty: 180 Days Interest
Rate History
No change since Sep 14, 2026 · 2.57% APY · checked 6 times
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
benefits 36 Month
$0
2.57%
▼ 0.18% below New Mexico avg
▼
Rate2.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.75%▼ 0.18% below avgNationally 2.81%
Details
Bonus Rate: 3.07%; EWP: 180 Days Interest
Rate History
No change since Oct 9, 2026 · 2.57% APY
Mountain Star Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
36 Month CD
$1,000
2.53%
▼ 0.22% below New Mexico avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▼ 0.22% below avgNationally 2.81%
Details
Early withdrawal penalties apply.
Rate History
No change since Sep 16, 2026 · 2.53% APY · checked 5 times
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
36 Month Certificate
$1,000
2.50%
▼ 0.25% below New Mexico avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▼ 0.25% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
36 Month Certificate
$0
2.50%
▼ 0.25% below New Mexico avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.75%▼ 0.25% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 4 times
US Eagle Federal Credit Union
Institution Rating:
F2.6 ★Texas Ratio: 44.42%
36 Month Certificate
$0
2.40%
▼ 0.35% below New Mexico avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▼ 0.35% below avgNationally 2.81%
Details
MemPerx Max Benefit: 2.91%
Rate History
No change since Sep 25, 2026 · 2.40% APY · checked 4 times
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36-Month Certificate of Deposit
$1,000
2.38%
▼ 0.37% below New Mexico avg
▼
Rate2.36%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Mexico Average2.75%▼ 0.37% below avgNationally 2.81%
Details
Balances Over $1,000
Rate History
No change since Oct 7, 2026 · 2.38% APY · checked 2 times
Rio Communities 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 Certificates and IRA Certificates
$100,000
4.18%
▲ 1.53% above New Mexico avg
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.65%▲ 1.53% above avgNationally 2.80%
Details
APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.15% → 4.18% ▲ 1.03 pts · high 4.18% / low 3.15%
- Oct 9, 20264.18%▲ from 3.15%
- Sep 14, 20263.15%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Business Certificates Minimum Balance - 48 month
$100,000
4.18%
▲ 1.53% above New Mexico avg
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.65%▲ 1.53% above avgNationally 2.80%
Details
$100,000+; DISCLOSURES $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of October 9, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. **APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.18% ▲ 0.93 pts · high 4.18% / low 3.25%
- Oct 9, 20264.18%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
48 Month Business Certificate
$10,000
4.13%
▲ 1.48% above New Mexico avg
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.65%▲ 1.48% above avgNationally 2.80%
Details
Business Certificates - $10,000+ Minimum Balance. $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Deposit Rates are current as of October 9, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.15% → 4.13% ▲ 0.98 pts · high 4.13% / low 3.15%
- Oct 9, 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
$10,000
4.13%
▲ 1.48% above New Mexico avg
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.65%▲ 1.48% above avgNationally 2.80%
Details
APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.15% → 4.13% ▲ 0.98 pts · high 4.13% / low 3.15%
- Oct 9, 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 Business Certificate
$1,000
4.08%
▲ 1.43% above New Mexico avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.65%▲ 1.43% above avgNationally 2.80%
Details
APY**= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.15% → 4.08% ▲ 0.93 pts · high 4.08% / low 3.15%
- Oct 9, 20264.08%▲ 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
$1,000
4.08%
▲ 1.43% above New Mexico avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.65%▲ 1.43% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.15% → 4.08% ▲ 0.93 pts · high 4.08% / low 3.15%
- Oct 9, 20264.08%▲ from 3.15%
- Sep 14, 20263.15%first recorded
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
IRA Certificates - 48-Month
$0
3.85%
▲ 1.20% above New Mexico avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▲ 1.20% above avgNationally 2.80%
Details
IRA
Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 4 times
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Share Certificate - 48-Month
$0
3.85%
▲ 1.20% above New Mexico avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▲ 1.20% above avgNationally 2.80%
Details
Regular
Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 4 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - 4 Year - Loyalty
$25,000
3.72%
▲ 1.07% above New Mexico avg
▼
Rate3.65%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▲ 1.07% above avgNationally 2.80%
Details
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
Rate History
1 change since Sep 17, 2026 · 3.61% → 3.72% ▲ 0.11 pts · high 3.72% / low 3.61%
- Oct 12, 20263.72%▲ from 3.61%
- Sep 17, 20263.61%first recorded
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
New Share / IRA Certificates - 48 months
$0
3.65%
▲ 1.00% above New Mexico avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▲ 1.00% above avgNationally 2.80%
Details
Effective August 21, 2026; Early withdrawal penalties apply
Rate History
No change since Oct 12, 2026 · 3.65% APY
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share / IRA Certificate - 48 months
$1,000
3.65%
▲ 1.00% above New Mexico avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▲ 1.00% above avgNationally 2.80%
Details
Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.59%; Early withdrawal penalties apply
Rate History
No change since Oct 12, 2026 · 3.65% APY
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
4 Year Share and IRA Certificate - Loyalty
$1,000
3.61%
▲ 0.96% above New Mexico avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▲ 0.96% above avgNationally 2.80%
Details
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $1,000
Rate History
No change since Oct 8, 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%
▲ 0.91% above New Mexico avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▲ 0.91% above avgNationally 2.80%
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%
48 Month Boost Term Share
$100,000
3.56%
▲ 0.91% above New Mexico avg
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▲ 0.91% above avgNationally 2.80%
Details
Jumbo CD
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
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4-Year Ladder CD
$5,000
3.51%
▲ 0.86% above New Mexico avg
▼
Rate3.45%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.65%▲ 0.86% above avgNationally 2.80%
Details
Renewal Term: 60 months from initial maturity; Renewal Rate: 0.25% above regularly offered 60 month rate at maturity; Early Withdrawal Penalty: 6 months interest penalty on balance withdrawn. Fees could reduce earnings on account.
Rate History
No change since Oct 6, 2026 · 3.51% APY · checked 2 times
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
48 Month Term Certificates
$0
3.51%
▲ 0.86% above New Mexico avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▲ 0.86% above avgNationally 2.80%
Details
Dividend Rate 3.45%; APY if dividends are not withdrawn during the term
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 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%
▲ 0.85% above New Mexico avg
▼
Rate3.45%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▲ 0.85% above avgNationally 2.80%
Details
Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
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 Certificate - 48 month
$0
3.49%
▲ 0.84% above New Mexico avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.65%▲ 0.84% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 5 times
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4 Year CD Ladder
$25,000
3.45%
▲ 0.80% above New Mexico avg
▼
Rate3.45%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.65%▲ 0.80% above avgNationally 2.80%
Details
Initial interest rate: 1 year for 3.10%, 2 years for 3.20%, 3 years for 3.40%, 4 years for 3.45%, and 5 years for 3.50%. This is a blended first year Annual Percentage Yield (APY) of 3.38%. After the first year, the CD with an initial term of 1-year will be renewed at 0.25% above the 5-year CD rate offered at that time. Your 2-year, 3-year, 4-year, and 5-year CDs in the Ladder will continue to pay their initial interest rate until their first maturity. 6-month interest penalty on withdrawals before maturity. 10-day grace period during which you can make withdrawals with no penalty, or even add more money to your CD.
Rate History
No change since Oct 10, 2026 · 3.45% APY
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
4 Year Share and IRA Certificate
$1,000
3.40%
▲ 0.75% above New Mexico avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▲ 0.75% above avgNationally 2.80%
Details
Regular share and IRA certificate; Minimum required deposit $1,000
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
48 Month Certificate of Deposit
$0
3.40%
▲ 0.75% above New Mexico avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.65%▲ 0.75% above avgNationally 2.80%
Details
Rate History
3 changes since Sep 14, 2026 · 3.40% → 3.40% ▼ 0.00 pts · high 3.40% / low 3.40%
- Oct 1, 20263.40%▼ from 3.40%
- Sep 22, 20263.40%▼ from 3.40%
- Sep 18, 20263.40%▼ from 3.40%
- Sep 14, 20263.40%first recorded
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
IRA Share Certificate - 48 Months
$500
3.35%
▲ 0.70% above New Mexico avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.65%▲ 0.70% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 3 times
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
Share Certificates - 48 Months
$500
3.35%
▲ 0.70% above New Mexico avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.65%▲ 0.70% above avgNationally 2.80%
Details
New Money= Funds not currently on deposit with RGCU.
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 5 times
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
48 Month Certificate of Deposit
$500
3.29%
▲ 0.64% above New Mexico avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.65%▲ 0.64% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 3 times
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
48 Month Share Certificates
$1,000
3.20%
▲ 0.55% above New Mexico avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▲ 0.55% above avgNationally 2.80%
Details
Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 3 times
Railroad Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Term Share Accounts - 48 MONTH
$0
3.14%
▲ 0.49% above New Mexico avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.65%▲ 0.49% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 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%
▲ 0.49% above New Mexico avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.65%▲ 0.49% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 5 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
1st Certificates - 48 Month
$250
3.04%
▲ 0.39% above New Mexico avg
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.65%▲ 0.39% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 4 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
48 Month IRA Certificate
$500
3.04%
▲ 0.39% above New Mexico avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.65%▲ 0.39% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
48 Month Kirby Kid Certificates
$500
3.04%
▲ 0.39% above New Mexico avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.65%▲ 0.39% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
48 Month Term Share Certificates (TSC)
$1,000
3.04%
▲ 0.39% above New Mexico avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.65%▲ 0.39% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
48 Month Share Certificates
$0
3.00%
▲ 0.35% above New Mexico avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.65%▲ 0.35% above avgNationally 2.80%
Details
Bonus Rate: 3.50%; Early Withdrawal Penalty: 270 Days Interest
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 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%
▲ 0.19% above New Mexico avg
▼
Rate2.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▲ 0.19% above avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 2.84% APY · checked 2 times
Citizens Bank of Clovis
Institution Rating:
A4.8 ★Texas Ratio: 8.65%
48 Month Time Deposit
$1,000
2.53%
▼ 0.12% below New Mexico avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▼ 0.12% below avgNationally 2.80%
Details
Rate History
No change since Sep 20, 2026 · 2.53% APY · checked 4 times
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48-Month Certificate of Deposit
$1,000
2.50%
▼ 0.15% below New Mexico avg
▼
Rate2.48%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Mexico Average2.65%▼ 0.15% below avgNationally 2.80%
Details
Balances Over $1,000
Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
48 Month Certificate
$1,000
2.50%
▼ 0.15% below New Mexico avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▼ 0.15% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Jumbo Certificate - 4 Year
$25,000
2.50%
▼ 0.15% below New Mexico avg
▼
Rate2.50%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.65%▼ 0.15% below avgNationally 2.80%
Details
Rate History
No change since Sep 21, 2026 · 2.50% APY · checked 5 times
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
48 Month Certificate
$0
2.50%
▼ 0.15% below New Mexico avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.65%▼ 0.15% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 4 times
US Eagle Federal Credit Union
Institution Rating:
F2.6 ★Texas Ratio: 44.42%
48 Month Certificate
$0
2.40%
▼ 0.25% below New Mexico avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▼ 0.25% below avgNationally 2.80%
Details
MemPerx Max Benefit: 2.91%
Rate History
No change since Sep 25, 2026 · 2.40% APY · checked 4 times
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
48 Month Share Certificates
$0
2.37%
▼ 0.28% below New Mexico avg
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.65%▼ 0.28% below avgNationally 2.80%
Details
Bonus Rate: 2.87%; Early Withdrawal Penalty: 270 Days Interest
Rate History
No change since Sep 14, 2026 · 2.37% APY · checked 6 times
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
benefits 48 Month
$0
2.37%
▼ 0.28% below New Mexico avg
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.65%▼ 0.28% below avgNationally 2.80%
Details
Bonus Rate: 2.87%; EWP: 270 Days Interest
Rate History
No change since Oct 9, 2026 · 2.37% APY
Lea County State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.53%
48 Month IRA Certificate
$0
2.32%
▼ 0.33% below New Mexico avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▼ 0.33% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 2.32% APY · checked 3 times
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
48 Month Share Certificates
$0
2.32%
▼ 0.33% below New Mexico avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.65%▼ 0.33% below avgNationally 2.80%
Details
EARLY WITHDRAWAL PENALTY: 270 Days Interest
Rate History
No change since Sep 14, 2026 · 2.32% APY · checked 6 times
Century Bank Santa Fe, NM
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
4 Year Certificate
$1,000
2.17%
▼ 0.48% below New Mexico avg
▼
Rate2.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▼ 0.48% below avgNationally 2.80%
Details
Rate History
2 changes since Sep 14, 2026 · 2.02% → 2.17% ▲ 0.15 pts · high 2.17% / low 2.02%
- Oct 8, 20262.17%▲ from 2.15%
- Sep 24, 20262.15%▲ from 2.02%
- Sep 14, 20262.02%first recorded
Century Bank Santa Fe, NM
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
4 Year Certificate
$1,000
2.15%
▼ 0.50% below New Mexico avg
▼
Rate2.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▼ 0.50% below avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 2.02% → 2.15% ▲ 0.13 pts · high 2.15% / low 2.02%
- Sep 24, 20262.15%▲ from 2.02%
- Sep 14, 20262.02%first recorded
US Eagle Federal Credit Union
Institution Rating:
F2.6 ★Texas Ratio: 44.42%
48 Month IRA Certificate
$0
2.15%
▼ 0.50% below New Mexico avg
▼
Rate2.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▼ 0.50% below avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 2.15% APY · checked 2 times
LOCO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.67%
48 Month Jumbo Certificate
$0
2.12%
▼ 0.53% below New Mexico avg
▼
Rate2.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.65%▼ 0.53% below avgNationally 2.80%
Details
Over $100,000
Rate History
No change since Sep 14, 2026 · 2.12% APY · checked 6 times
LOCO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.67%
48 Month Certificate of Deposit
$0
2.02%
▼ 0.63% below New Mexico avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.65%▼ 0.63% below avgNationally 2.80%
Details
Certificate of Deposit - $1000 to $99,999.99**
Rate History
No change since Sep 18, 2026 · 2.02% APY · checked 2 times
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
48 Month CD
$1,000
2.01%
▼ 0.64% below New Mexico avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.65%▼ 0.64% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 2.01% APY · checked 7 times
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
4 Year Certificate
$0
1.50%
▼ 1.15% below New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average2.65%▼ 1.15% below avgNationally 2.80%
Details
Under $100,000
Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
Rio Communities 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%
▲ 1.67% above New Mexico avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 1.67% above avgNationally 2.90%
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 Flexible Certificate
$500
4.50%
▲ 1.67% above New Mexico avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 1.67% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Oct 5, 20264.50%▲ from 4.30%
- Sep 14, 20264.30%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Regular CD
$500
4.50%
▲ 1.67% above New Mexico avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 1.67% above avgNationally 2.90%
Details
Rates and terms are accurate as of Tuesday, October 06, 2026 and are subject to change.
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Oct 5, 20264.50%▲ from 4.30%
- Sep 14, 20264.30%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Months Certificate
$500
4.50%
▲ 1.67% above New Mexico avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 1.67% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Oct 5, 20264.50%▲ from 4.30%
- Sep 14, 20264.30%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Bump-Rate Certificate Accounts
$500
4.35%
▲ 1.52% above New Mexico avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 1.52% above avgNationally 2.90%
Details
Rate History
1 change since Sep 21, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 9, 20264.35%▲ from 4.15%
- Sep 21, 20264.15%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Certificate
$500
4.35%
▲ 1.52% above New Mexico avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 1.52% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 5, 20264.35%▲ from 4.15%
- Sep 14, 20264.15%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%
▲ 1.35% above New Mexico avg
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 1.35% above avgNationally 2.90%
Details
APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.15% → 4.18% ▲ 1.03 pts · high 4.18% / low 3.15%
- Oct 9, 20264.18%▲ from 3.15%
- Sep 14, 20263.15%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Business Certificates Minimum Balance - 60 month
$100,000
4.18%
▲ 1.35% above New Mexico avg
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 1.35% above avgNationally 2.90%
Details
$100,000+; DISCLOSURES $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of October 9, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. **APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.18% ▲ 0.93 pts · high 4.18% / low 3.25%
- Oct 9, 20264.18%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
60 Month Business Certificate
$10,000
4.13%
▲ 1.30% above New Mexico avg
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 1.30% above avgNationally 2.90%
Details
Business Certificates - $10,000+ Minimum Balance. $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Deposit Rates are current as of October 9, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.15% → 4.13% ▲ 0.98 pts · high 4.13% / low 3.15%
- Oct 9, 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
$10,000
4.13%
▲ 1.30% above New Mexico avg
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 1.30% above avgNationally 2.90%
Details
APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.15% → 4.13% ▲ 0.98 pts · high 4.13% / low 3.15%
- Oct 9, 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 Business Certificate
$1,000
4.08%
▲ 1.25% above New Mexico avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 1.25% above avgNationally 2.90%
Details
APY**= Annual Percentage Yield. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Rate History
1 change since Sep 14, 2026 · 3.15% → 4.08% ▲ 0.93 pts · high 4.08% / low 3.15%
- Oct 9, 20264.08%▲ 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
$1,000
4.08%
▲ 1.25% above New Mexico avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 1.25% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.15% → 4.08% ▲ 0.93 pts · high 4.08% / low 3.15%
- Oct 9, 20264.08%▲ from 3.15%
- Sep 14, 20263.15%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$100,000
3.90%
▲ 1.07% above New Mexico avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.83%▲ 1.07% above avgNationally 2.90%
Details
Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
IRA Certificates - 60-Month
$0
3.90%
▲ 1.07% above New Mexico avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 1.07% above avgNationally 2.90%
Details
IRA
Rate History
No change since Sep 25, 2026 · 3.90% APY · checked 4 times
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
Share Certificate - 60-Month
$0
3.90%
▲ 1.07% above New Mexico avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 1.07% above avgNationally 2.90%
Details
Regular
Rate History
No change since Sep 25, 2026 · 3.90% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$1,000
3.85%
▲ 1.02% above New Mexico avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.83%▲ 1.02% above avgNationally 2.90%
Details
Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
5 Year Boost Term Share
$500
3.82%
▲ 0.99% above New Mexico avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.99% 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
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
60 Month Boost Term Share
$100,000
3.82%
▲ 0.99% above New Mexico avg
▼
Rate3.75%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.99% above avgNationally 2.90%
Details
Jumbo CD
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
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - 5 Year - Loyalty
$25,000
3.77%
▲ 0.94% above New Mexico avg
▼
Rate3.70%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.94% above avgNationally 2.90%
Details
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
Rate History
1 change since Sep 17, 2026 · 3.66% → 3.77% ▲ 0.11 pts · high 3.77% / low 3.66%
- Oct 12, 20263.77%▲ from 3.66%
- Sep 17, 20263.66%first recorded
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
New Share / IRA Certificates - 60 months
$0
3.70%
▲ 0.87% above New Mexico avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.87% above avgNationally 2.90%
Details
Effective August 21, 2026; Early withdrawal penalties apply
Rate History
No change since Oct 12, 2026 · 3.70% APY
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share / IRA Certificate - 60 months
$1,000
3.70%
▲ 0.87% above New Mexico avg
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.87% above avgNationally 2.90%
Details
Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.64%; Early withdrawal penalties apply
Rate History
No change since Oct 12, 2026 · 3.70% APY
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
5 Year Share and IRA Certificate - Loyalty
$1,000
3.67%
▲ 0.84% above New Mexico avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.84% above avgNationally 2.90%
Details
Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $1,000
Rate History
No change since Oct 8, 2026 · 3.67% APY · checked 2 times
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
5-year IRA
$100
3.66%
▲ 0.83% above New Mexico avg
▼
Rate3.60%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.83%▲ 0.83% above avgNationally 2.90%
Details
Other Fee(s) / Penalties: 6 months interest on amount withdrawn
Rate History
No change since Sep 30, 2026 · 3.66% APY · checked 4 times
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
60 Month Jumbo Certificate
$0
3.66%
▲ 0.83% above New Mexico avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.83% above avgNationally 2.90%
Details
Balance: over $100,000; Share and IRA Certificates; Early withdrawal penalty may apply
Rate History
No change since Oct 12, 2026 · 3.66% APY
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
60 Month Jumbo Share and IRA Certificate
$0
3.66%
▲ 0.83% above New Mexico avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.83% above avgNationally 2.90%
Details
Balance: over $100,000; Early withdrawal penalty may apply
Rate History
No change since Oct 12, 2026 · 3.66% APY
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
5-year CD
$5,000
3.56%
▲ 0.73% above New Mexico avg
▼
Rate3.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.83%▲ 0.73% above avgNationally 2.90%
Details
Other Fee(s) / Early Withdrawal Penalties: 6 months interest on amount withdrawn
Rate History
No change since Sep 30, 2026 · 3.56% APY · checked 4 times
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
5-Year Ladder CD
$5,000
3.56%
▲ 0.73% above New Mexico avg
▼
Rate3.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.83%▲ 0.73% above avgNationally 2.90%
Details
Renewal Term: 60 months from initial maturity; Renewal Rate: 0.25% above regularly offered 60 month rate at maturity; Early Withdrawal Penalty: 6 months interest penalty on balance withdrawn. Fees could reduce earnings on account.
Rate History
No change since Oct 6, 2026 · 3.56% APY · checked 2 times
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
60 Month Term Certificates
$0
3.56%
▲ 0.73% above New Mexico avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.73% above avgNationally 2.90%
Details
Dividend Rate 3.50%; APY if dividends are not withdrawn during the term
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 5 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%
▲ 0.73% above New Mexico avg
▼
Rate3.50%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.73% above avgNationally 2.90%
Details
Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate
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%
▲ 0.73% above New Mexico avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.73% above avgNationally 2.90%
Details
Balance: $1,000 - $99,999.99; Minimum $1,000 Share Certificate & IRA Certificate; Early withdrawal penalty may apply
Rate History
No change since Oct 12, 2026 · 3.56% APY
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
60 Month Share Certificate
$1,000
3.56%
▲ 0.73% above New Mexico avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.73% above avgNationally 2.90%
Details
Balance: $1,000 - $99,999.99; Share and IRA Certificates; 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
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
5 year CD Ladder
$25,000
3.50%
▲ 0.67% above New Mexico avg
▼
Rate3.50%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.83%▲ 0.67% above avgNationally 2.90%
Details
Initial interest rate: 1 year for 3.10%, 2 years for 3.20%, 3 years for 3.40%, 4 years for 3.45%, and 5 years for 3.50%. This is a blended first year Annual Percentage Yield (APY) of 3.38%. After the first year, the CD with an initial term of 1-year will be renewed at 0.25% above the 5-year CD rate offered at that time. Your 2-year, 3-year, 4-year, and 5-year CDs in the Ladder will continue to pay their initial interest rate until their first maturity. 6-month interest penalty on withdrawals before maturity. 10-day grace period during which you can make withdrawals with no penalty, or even add more money to your CD.
Rate History
No change since Oct 10, 2026 · 3.50% APY
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificate - 60 month
$0
3.49%
▲ 0.66% above New Mexico avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 0.66% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 5 times
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
5 Year Share and IRA Certificate
$1,000
3.45%
▲ 0.62% above New Mexico avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.62% above avgNationally 2.90%
Details
Regular share and IRA certificate; Minimum required deposit $1,000
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 6 times
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
IRA Share Certificate - 60 Months
$500
3.35%
▲ 0.52% above New Mexico avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 0.52% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 3 times
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
Share Certificates - 60 Months
$500
3.35%
▲ 0.52% above New Mexico avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 0.52% above avgNationally 2.90%
Details
New Money= Funds not currently on deposit with RGCU.
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 5 times
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
60 Month Share Certificates
$1,000
3.30%
▲ 0.47% above New Mexico avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.47% above avgNationally 2.90%
Details
Rate History
No change since Sep 25, 2026 · 3.30% APY · checked 3 times
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
60 Month Certificate of Deposit
$0
3.30%
▲ 0.47% above New Mexico avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 0.47% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.30% ▲ 0.00 pts · high 3.30% / low 3.30%
- Oct 1, 20263.30%▲ from 3.30%
- Sep 14, 20263.30%first recorded
First National Bank Alamogordo, NM
Institution Rating:
F1.2 ★Texas Ratio: 43.89%
60 Month Certificate
$100
3.29%
▲ 0.46% above New Mexico avg
▼
Rate3.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.46% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
60 Month Certificate of Deposit
$500
3.29%
▲ 0.46% above New Mexico avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 0.46% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 3 times
Railroad Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Term Share Accounts - 60 MONTH
$0
3.14%
▲ 0.31% above New Mexico avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 0.31% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 2 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
60 Month Term Share/IRA Jumbo Certificates
$0
3.14%
▲ 0.31% above New Mexico avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.83%▲ 0.31% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 5 times
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
60 Month Share Certificates
$0
3.10%
▲ 0.27% above New Mexico avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 0.27% above avgNationally 2.90%
Details
Bonus Rate: 3.60%; Early Withdrawal Penalty: 270 Days Interest
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
1st Certificates - 60 Month
$250
3.04%
▲ 0.21% above New Mexico avg
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.83%▲ 0.21% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 4 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
60 Month IRA Certificate
$500
3.04%
▲ 0.21% above New Mexico avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.83%▲ 0.21% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
60 Month Kirby Kid Certificates
$500
3.04%
▲ 0.21% above New Mexico avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.83%▲ 0.21% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
60 Month Term Share Certificates (TSC)
$1,000
3.04%
▲ 0.21% above New Mexico avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.83%▲ 0.21% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
IRA Certificate - 5 Year
$500
3.00%
▲ 0.17% above New Mexico avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 0.17% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
Jumbo Certificate - 5 Year
$25,000
3.00%
▲ 0.17% above New Mexico avg
▼
Rate3.00%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 0.17% above avgNationally 2.90%
Details
Rate History
No change since Sep 21, 2026 · 3.00% APY · checked 5 times
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
60-Month Share Certificate
$500
2.94%
▲ 0.11% above New Mexico avg
▼
Rate2.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.11% above avgNationally 2.90%
Details
Rate History
No change since Oct 8, 2026 · 2.94% APY · checked 2 times
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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.
Rio Communities, NM CD Rate Trends
Compare local Rio Communities, 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
2.950%
▲ 0.029 vs 7 days ago
New Mexico 12-month CD rates rose 0.029 points over the past 7 days to 2.950% APY.
6-Month CD NM Avg
2.721%
▲ 0.037 vs 7 days ago
New Mexico 6-month CD rates rose 0.037 points over the past 7 days to 2.721% APY.
As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions
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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
2.950%
6-Month Forecast
2.950%
Range: 2.75%, 3.10%
12-Month Forecast
3.200%
Range: 3.00%, 3.35%
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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 | 1.972% | $98.60 | $197.21 | $493.03 | $986.05 |
| 6-Month CD | 2.721% | $136.07 | $272.13 | $680.32 | $1,360.65 |
| 12-Month CD | 2.950% | $147.48 | $294.96 | $737.40 | $1,474.80 |
| 18-Month CD | 2.831% | $141.55 | $283.09 | $707.73 | $1,415.45 |
| 24-Month CD | 2.844% | $142.22 | $284.43 | $711.07 | $1,422.15 |
| 36-Month CD | 2.748% | $137.40 | $274.79 | $686.98 | $1,373.95 |
| 48-Month CD | 2.654% | $132.71 | $265.42 | $663.55 | $1,327.10 |
| 60-Month CD | 2.830% | $141.51 | $283.01 | $707.53 | $1,415.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 12, 2026. | |||||
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Sample CD Ladder for Rio Communities, 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 | 1.972% | $98.60 |
| 2 | 6-Month CD | $5,000 | 2.721% | $136.07 |
| 3 | 12-Month CD | $5,000 | 2.950% | $147.48 |
| 4 | 24-Month CD | $5,000 | 2.844% | $142.22 |
| 5 | 36-Month CD | $5,000 | 2.748% | $137.40 |
| Total ($25,000 invested) | $25,000 | 2.647% blended | $661.77/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.
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548
CD Rates
Tracked in Rio Communities, New Mexico
Tracked in Rio Communities, New Mexico
18 Banks
36 Credit Unions
About Our Rio Communities, New Mexico CD Rate Database
MonitorBankRates tracks 548 CD rates from 18 banks and 36 credit unions with locations in Rio Communities, 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 Rio Communities, New Mexico.
How to Find the Best CD Rates in Rio Communities, New Mexico
What to compare when shopping for a CD in Rio Communities, New Mexico
To find the best APYs in Rio Communities, New Mexico, start with credit unions and online-only banks: Rio Communities, New Mexico has 36 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 Rio Communities, 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 Rio Communities, New Mexico: 54 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Rio Communities, 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 Rio Communities, New Mexico money market rates
Rio Communities, New Mexico Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
22.4%
National avg: 17.3%
Median Individual Earnings
$23,853
National avg: $47,340
Poverty Rate
13.4%
National avg: 11.1%
Unemployment Rate
15.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$70/yr
At NM 12-mo avg 2.950% APY
22.4% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market; an unemployment rate of 15.9% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s NM 12-month CD average of 2.950%, saving 10% of the local median salary ($2,385/year) and putting it in a CD would earn an additional $70 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 Rio Communities, 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 Rio Communities, 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 Rio Communities, 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 Rio Communities, New Mexico as everywhere in the U.S.
Choosing a CD Term in Rio Communities, 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 Rio Communities, New Mexico savers easier access to their funds. For example, State Employees Credit Union is offering its 6 Month Share Certificates 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 Rio Communities, 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 Rio Communities, 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 Rio Communities, 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 Rio Communities, 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 Rio Communities, New Mexico
Most CDs carry a fixed rate that is locked for the entire term, protecting a Rio Communities, 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 Rio Communities, New Mexico
Are CD rates in Rio Communities, New Mexico FDIC insured?
Yes, most established banks in Rio Communities, 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 Rio Communities, 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 Rio Communities, 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 Rio Communities, 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 Rio Communities, 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)
- Artesia Credit Union: 4.58% APY (IRA Certificate - 24 Month)
- Rio Grande Credit Union: 4.54% APY (IRA Share Certificate - 18 Months)
- Mountain America Federal Credit Union: 4.50% APY (24 Month Certificate)
- America First Federal Credit Union: 4.50% APY (60 Month Flexible Certificate)
- State Employees Credit Union: 4.50% APY (6 Month Share Certificates)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- Capra Bank: 4.25% APY (18-Month Bump-Up CD)
- Del Norte Credit Union: 4.18% APY (24 Month Certificates and IRA Certificates)
Rates reflect recent verified offers available in Rio Communities, New Mexico. Last Updated: October 12, 2026
Rio Communities, 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 Rio Communities, 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 Rio Communities, New Mexico
Rio Communities, 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.
Rio Communities, New Mexico CD LadderNM CD rates currently range from 1.972% (3-month) to 2.748% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Rio Communities, New Mexico CD at 5.12% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsNew Mexico’s average 12-month CD is 2.950% 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 Rio Communities, 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 Rio Communities, 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 Rio Communities, 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 12, 2026
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