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Best Money Market Rates in Santa Fe, New Mexico (NM) - April 2026

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Brian McKay Brian McKay
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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.
| ✓Fact Checked | Last Updated: April 12, 2026

Current Santa Fe, New Mexico and the surrounding area money market rates include America First Federal Credit UnionAmerica First Federal Credit UnionA5.0 ★Texas Ratio: 8.12% Money Market at 3.90% APY, Mountain America Federal Credit UnionMountain America Federal Credit UnionA5.0 ★Texas Ratio: 11.38% Money market at 3.55% APY, Sunflower BankSunflower Bank516 W Cordova Rd, Santa Fe, NM 87505A+5.0 ★Texas Ratio: 5.67% Thrive Money Market at 3.45% APY, Nusenda Federal Credit UnionNusenda Federal Credit Union1710 Saint Michaels Dr, Santa Fe, NM 87505 7617A+5.0 ★Texas Ratio: 4.72% Money Market at 3.10% APY, and State Employees Credit UnionState Employees Credit Union813 Saint Michaels Dr, Santa Fe, NM 87505 7607C3.8 ★Texas Ratio: 29.00% Business Money Market at 2.50% APY. Money market rates as of April 12, 2026 according to verified data from MonitorBankRates.

Santa Fe has 5 local institutions in our database, with money market rates as high as 3.45% APY from Sunflower Bank at 516 W Cordova Rd, Santa Fe, NM 87505. Use the table below to compare all available offers, including options from institutions serving the broader New Mexico area. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Santa Fe, New Mexico and surrounding area. Last Updated and Verified: April 12, 2026

Compare the Best Money Market Rates Today in Santa Fe, New Mexico & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
516 W Cordova Rd, Santa Fe, NM 87505
Thrive Money Market
3.45%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

$24,999.01 & Above

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
1710 Saint Michaels Dr, Santa Fe, NM 87505 7617
Money Market
3.10%
$0
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
516 W Cordova Rd, Santa Fe, NM 87505
Thrive Money Market
3.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

$24,999.00 & Below

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
1710 Saint Michaels Dr, Santa Fe, NM 87505 7617
Money Market
2.85%
$0
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
1710 Saint Michaels Dr, Santa Fe, NM 87505 7617
Money Market
2.60%
$0
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Business Money Market
2.50%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Advantage+ Money Market
2.50%
$0
View
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Money Market
2.25%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Business Money Market
2.25%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Money Market
2.00%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Business Money Market
2.00%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
Money Market Tier III
1.77%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Money Market
1.75%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Business Money Market
1.75%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
1710 Saint Michaels Dr, Santa Fe, NM 87505 7617
Money Market
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
Money Market Tier II
1.52%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
Business Money Market
1.51%
$2,000
View
▼
Rate1.50%
Min Deposit$2,000
Min Balance—
UpdatedApr 8, 2026
Details

The rate may change after account opening (variable rate account).

Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
Money Market Accounts
1.51%
$2,000
View
▼
Rate1.50%
Min Deposit$2,000
Min Balance—
UpdatedApr 8, 2026
Details

Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
Money Market Checking Accounts
1.51%
$2,000
View
▼
Rate1.50%
Min Deposit$2,000
Min Balance—
UpdatedApr 8, 2026
Details

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
1710 Saint Michaels Dr, Santa Fe, NM 87505 7617
Money Market
1.35%
$0
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
Money Market Checking Accounts
1.26%
$2,000
View
▼
Rate1.25%
Min Deposit$2,000
Min Balance—
UpdatedApr 8, 2026
Details

Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
Money Market Accounts
1.26%
$2,000
View
▼
Rate1.25%
Min Deposit$2,000
Min Balance—
UpdatedApr 8, 2026
Details

Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
Money Market Tier I
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
Business Money Market
1.25%
$2,000
View
▼
Rate1.25%
Min Deposit$2,000
Min Balance—
UpdatedApr 8, 2026
Details

The rate may change after account opening (variable rate account).

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
1710 Saint Michaels Dr, Santa Fe, NM 87505 7617
Money Market
1.10%
$0
View
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Money Market
3.90%
$0
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
Money market
3.55%
$0
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Money Market
3.45%
$0
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
Money market
3.20%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Money Market
2.70%
$0
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
Money market
2.40%
$0
View
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
Money Market Account
2.27%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Money Market
2.05%
$0
View
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
Money Market Account
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Evolve Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
High-Yield Money Market
2.02%
$250,000
View
▼
Rate2.00%
Min Deposit$250,000
Min Balance—
UpdatedApr 11, 2026
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
Money market
1.90%
$0
View
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Money Market
1.80%
$0
View
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

First National Bank in Trinidad
Institution Rating:
B+4.8 ★ Texas Ratio: 17.17%
Money Market Deposit Account
1.76%
$10
View
▼
Rate—
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
Money Market Account
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
Money Market
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
Money Market
1.70%
$0
View
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
Money Market Account
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

First National Bank in Trinidad
Institution Rating:
B+4.8 ★ Texas Ratio: 17.17%
Money Market Deposit Account
1.51%
$10
View
▼
Rate—
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

Main Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
Money Market Account
1.50%
$1,000
View
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
Money market
1.45%
$0
View
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
Money Market
1.45%
$0
View
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Evolve Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Money Market
1.36%
$2,500
View
▼
Rate1.35%
Min Deposit$2,500
Min Balance—
UpdatedApr 11, 2026
Details

One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Money Market Accounts
1.31%
$0
View
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Balance of $100,000+

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Money Market
1.25%
$0
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Money Market Accounts
1.21%
$0
View
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Balance of $50,000 - $99,999

FIRSTLIGHT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Money Market/Business Money Market
1.16%
$0
View
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
Money Market Accounts
1.11%
$0
View
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Balance of $25,000 - $49,999

FIRSTLIGHT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Money Market
1.11%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

AVD $100,000 - $249,999.

FIRSTLIGHT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Money Market/Business Money Market
1.11%
$0
View
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Western Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Money Market Accounts
1.10%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
Money Market
1.10%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Money Market
1.10%
$0
View
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
Money Market/Golden Share Account
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

First National Bank in Trinidad
Institution Rating:
B+4.8 ★ Texas Ratio: 17.17%
Money Market Deposit Account
1.00%
$10
View
▼
Rate—
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Money Market
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Qualifying balance up to $4,999.99

FIRSTLIGHT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Money Market/Business Money Market
0.85%
$0
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

FIRSTLIGHT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Money Market/Business Money Market
0.80%
$0
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

FIRSTLIGHT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Money Market/Business Money Market
0.70%
$0
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

FIRSTLIGHT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Money Market/Business Money Market
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

First National Bank in Trinidad
Institution Rating:
B+4.8 ★ Texas Ratio: 17.17%
Money Market Deposit Account
0.35%
$10
View
▼
Rate—
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
Money Market Personal Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

First National Bank in Trinidad
Institution Rating:
B+4.8 ★ Texas Ratio: 17.17%
Money Market Deposit Account
0.25%
$10
View
▼
Rate—
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
Money Market Business/ PF Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
Money Market Personal Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
Money Market Business/ PF Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
Money Market Personal Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Lea County State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
Money Market
0.20%
$100
View
▼
Rate0.20%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
Money Market Business/ PF Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
Money Market Personal Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

First National Bank in Trinidad
Institution Rating:
B+4.8 ★ Texas Ratio: 17.17%
Money Market Deposit Account
0.15%
$10
View
▼
Rate—
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

First National Bank in Trinidad
Institution Rating:
B+4.8 ★ Texas Ratio: 17.17%
Money Market Deposit Account
0.10%
$10
View
▼
Rate—
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
Money Market Business/ PF Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Lea County State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
Money Market
0.10%
$100
View
▼
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

Lea County State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
Money Market
0.05%
$100
View
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

Lea County State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
Money Market
0.02%
$100
View
▼
Rate0.02%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

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. Rates reflect recent market quotes and representative offers available to depositors in Santa Fe, New Mexico and the surrounding area.

Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.

Santa Fe, NM Money Market Rate Trends

Compare local Santa Fe, NM money market quotes against the statewide average

Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full New Mexico MMA Trends →
High-Yield MMA — NM Avg
3.037%
▲ 1.017 vs 7 days ago

New Mexico high-yield MMA rates rose 1.017 points over the past 7 days to 3.037% APY.

Standard MMA — NM Avg
0.333%
▼ 1.284 vs 7 days ago

New Mexico standard MMA rates fell 1.284 points over the past 7 days to 0.333% APY.

As of Apr 14, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Money Market Rate Data: We aggregate money market account rates for Santa Fe, 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. Every money market rate displayed 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 Santa Fe, New Mexico. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in NM.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.

Frequently Asked Questions about Money Market Accounts in Santa Fe, New Mexico

What is a Money Market Account (MMA)?

A Money Market Account (MMA) is a type of savings account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in New Mexico.

Are Money Market accounts in Santa Fe, New Mexico safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in New Mexico up to $250,000 per depositor, per institution.

How often do MMA rates change in Santa Fe, New Mexico?

Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local New Mexico rate tables daily to ensure you see the most current high-yield options.

Can I write checks from a Money Market Account?

Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.

Best Money Market Rates in Santa Fe, New Mexico

Here are some of the highest money market account APYs currently available in Santa Fe, New Mexico and the surrounding area:
  • America First Federal Credit Union
    Money Market — 3.90% APY
  • Mountain America Federal Credit Union
    Money market — 3.55% APY
  • Sunflower Bank
    Thrive Money Market — 3.45% APY
  • Nusenda Federal Credit Union
    Money Market — 3.10% APY
  • State Employees Credit Union
    Business Money Market — 2.50% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Santa Fe, New Mexico. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 12, 2026

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