Best Money Market Rates in Santa Fe, New Mexico - May 2026
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Santa Fe, New Mexico and the surrounding area money market deposit account rates include 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: 4.33% Money Market at 3.10% APY, State Employees Credit UnionState Employees Credit Union813 Saint Michaels Dr, Santa Fe, NM 87505 7607C3.8 ★Texas Ratio: 26.10% Advantage+ Money Market at 2.50% APY, Los Alamos Schools Credit UnionLos Alamos Schools Credit Union3286 Cerrillos Rd, Santa Fe, NM 87507 2925A+5.0 ★Texas Ratio: 1.25% Money Market Tier III (75k or more) at 1.77% APY, and Del Norte Credit UnionDel Norte Credit Union3286 Cerrillos Rd, Santa Fe, NM 87507A+5.0 ★Texas Ratio: 3.30% Business Money Market at 1.51% APY. Money market rates as of May 30, 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: May 30, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$24,999.01 & Above
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
1710 Saint Michaels Dr, Santa Fe, NM 87505 7617
Money Market
3.10%
$0
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 17, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$24,999.00 & Below
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
1710 Saint Michaels Dr, Santa Fe, NM 87505 7617
Money Market
2.85%
$0
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
1710 Saint Michaels Dr, Santa Fe, NM 87505 7617
Money Market
2.60%
$0
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Advantage+ Money Market
2.50%
$0
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Business Money Market
2.50%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Money Market Advantage
2.25%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Money Market Account
2.25%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Money Market
2.25%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Business Money Market
2.25%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Money Market
2.00%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Money Market Account
2.00%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Money Market Advantage
2.00%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Business Money Market
2.00%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
Money Market Tier III (75k or more)
1.77%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Money Market Advantage
1.75%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Money Market Account
1.75%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Money Market
1.75%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Business Money Market
1.75%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
1710 Saint Michaels Dr, Santa Fe, NM 87505 7617
Money Market
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
Money Market Tier II (25k to 75k)
1.52%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
3286 Cerrillos Rd, Santa Fe, NM 87507
Business Money Market
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
3286 Cerrillos Rd, Santa Fe, NM 87507
Money Market Account
1.51%
$2,000
▼
Rate1.50%
Min Deposit$2,000
Min Balance—
UpdatedMay 20, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
3286 Cerrillos Rd, Santa Fe, NM 87507
Money Market Accounts
1.51%
$2,000
▼
Rate1.50%
Min Deposit$2,000
Min Balance—
UpdatedMay 20, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
1710 Saint Michaels Dr, Santa Fe, NM 87505 7617
Money Market
1.35%
$0
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
3286 Cerrillos Rd, Santa Fe, NM 87507
Money Market Accounts
1.26%
$2,000
▼
Rate1.25%
Min Deposit$2,000
Min Balance—
UpdatedMay 20, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
3286 Cerrillos Rd, Santa Fe, NM 87507
Money Market Account
1.26%
$2,000
▼
Rate1.25%
Min Deposit$2,000
Min Balance—
UpdatedMay 20, 2026
Details
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
Money Market Tier I (2k to 25k)
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
3286 Cerrillos Rd, Santa Fe, NM 87507
Business Money Market
1.25%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
1710 Saint Michaels Dr, Santa Fe, NM 87505 7617
Money Market
1.10%
$0
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
1710 Saint Michaels Dr, Santa Fe, NM 87505 7617
Money Market Accounts
1.10%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
3286 Cerrillos Rd, Santa Fe, NM 87507
Business Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
3286 Cerrillos Rd, Santa Fe, NM 87507
Money Market Account
1.00%
$2,000
▼
Rate1.00%
Min Deposit$2,000
Min Balance—
UpdatedMay 20, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
3286 Cerrillos Rd, Santa Fe, NM 87507
Money Market Accounts
1.00%
$2,000
▼
Rate1.00%
Min Deposit$2,000
Min Balance—
UpdatedMay 20, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
3286 Cerrillos Rd, Santa Fe, NM 87507
Money Market Accounts
0.80%
$2,000
▼
Rate0.80%
Min Deposit$2,000
Min Balance—
UpdatedMay 20, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
3286 Cerrillos Rd, Santa Fe, NM 87507
Business Money Market
0.80%
$0
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
3286 Cerrillos Rd, Santa Fe, NM 87507
Money Market Account
0.80%
$2,000
▼
Rate0.80%
Min Deposit$2,000
Min Balance—
UpdatedMay 20, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
3286 Cerrillos Rd, Santa Fe, NM 87507
Money Market Account
0.75%
$2,000
▼
Rate0.75%
Min Deposit$2,000
Min Balance—
UpdatedMay 20, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
3286 Cerrillos Rd, Santa Fe, NM 87507
Business Money Market
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
3286 Cerrillos Rd, Santa Fe, NM 87507
Money Market Accounts
0.75%
$2,000
▼
Rate0.75%
Min Deposit$2,000
Min Balance—
UpdatedMay 20, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Advantage Money Market
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Advantage+ Money Market
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Advantage+ Money Market
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Advantage Money Market
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Advantage+ Money Market
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Advantage Money Market
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
1710 Saint Michaels Dr, Santa Fe, NM 87505 7617
Money Market
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Advantage Money Market
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Advantage+ Money Market
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Business Money Market
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 26.10%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Money Market
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate4.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate2.02%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
First National Bank in Trinidad
Institution Rating:
B+4.8 ★ Texas Ratio: 17.17%
Money Market Deposit Account
1.76%
$10
▼
Rate1.75%
Min Deposit$10
Min Balance—
UpdatedMay 28, 2026
Details
Rates effective 5/1/2026
First National Bank in Trinidad
Institution Rating:
B+4.8 ★ Texas Ratio: 17.17%
Money Market Deposit Account
1.51%
$10
▼
Rate1.50%
Min Deposit$10
Min Balance—
UpdatedMay 28, 2026
Details
Rates effective 5/1/2026
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Western Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Money Market Accounts
1.10%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate1.04%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
First National Bank in Trinidad
Institution Rating:
B+4.8 ★ Texas Ratio: 17.17%
Money Market Deposit Account
1.00%
$10
▼
Rate1.00%
Min Deposit$10
Min Balance—
UpdatedMay 28, 2026
Details
Rates effective 5/1/2026
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate0.44%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
First National Bank in Trinidad
Institution Rating:
B+4.8 ★ Texas Ratio: 17.17%
Money Market Deposit Account
0.35%
$10
▼
Rate0.35%
Min Deposit$10
Min Balance—
UpdatedMay 28, 2026
Details
Rates effective 5/1/2026
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
Money Market Personal Checking**
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
Money Market Personal Checking** Daily Balance**** and Over
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$50,000.00
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
Money Market Personal Checking** Daily Balance****
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$25,000.00 - $49,999.99
First National Bank in Trinidad
Institution Rating:
B+4.8 ★ Texas Ratio: 17.17%
Money Market Deposit Account
0.25%
$10
▼
Rate0.25%
Min Deposit$10
Min Balance—
UpdatedMay 28, 2026
Details
Rates effective 5/1/2026
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
Money Market Business/ PF Checking**
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
Money Market Business/ PF Checking** Daily Balance**** and over
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$50,000.00
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
Money Market Personal Checking**
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
Money Market Business/ PF Checking**
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
Money Market Personal Checking** Daily Balance****
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$10,000.00 - $24,999.99
Rate0.20%
Min Deposit$100
Min Balance—
UpdatedMay 29, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
Money Market Personal Checking**
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
Money Market Business/ PF Checking** Daily Balance****
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$25,000.00 - $49,999.99
First National Bank in Trinidad
Institution Rating:
B+4.8 ★ Texas Ratio: 17.17%
Money Market Deposit Account
0.15%
$10
▼
Rate0.15%
Min Deposit$10
Min Balance—
UpdatedMay 28, 2026
Details
Rates effective 5/1/2026
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
Money Market Business/ PF Checking**
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
Money Market Business/ PF Checking** Daily Balance****
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$10,000.00 - $24,999.99
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
Money Market Personal Checking**
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
Money Market Personal Checking** Daily Balance****
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$2,500.00 - $9,999.99
Rate0.14%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
Money Market Business/ PF Checking**
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
First National Bank in Trinidad
Institution Rating:
B+4.8 ★ Texas Ratio: 17.17%
Money Market Deposit Account
0.10%
$10
▼
Rate0.10%
Min Deposit$10
Min Balance—
UpdatedMay 28, 2026
Details
Rates effective 5/1/2026
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedMay 29, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
Money Market Business/ PF Checking** Daily Balance****
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
$2,500.00 - $9,999.99
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMay 29, 2026
Details
Rate0.02%
Min Deposit$100
Min Balance—
UpdatedMay 29, 2026
Details
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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. 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.
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.
High-Yield MMA — NM Avg
3.052%
▼ 0.002 vs 7 days ago
New Mexico high-yield MMA rates fell 0.002 points over the past 7 days to 3.052% APY.
Standard MMA — NM Avg
0.296%
Unchanged vs 7 days ago
New Mexico standard MMA rates currently average 0.296% APY.
As of May 30, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Santa Fe, New Mexico money market 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 Money Market Rate Data: We aggregate money market deposit 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), formally known as a money market deposit account (MMDA), is a type of deposit 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.
How much do I need to deposit to open a money market account in Santa Fe, New Mexico?
Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Santa Fe, New Mexico require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.
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:
- Sunflower Bank
Thrive Money Market — 3.45% APY - Nusenda Federal Credit Union
Money Market — 3.10% APY - State Employees Credit Union
Advantage+ Money Market — 2.50% APY - Los Alamos Schools Credit Union
Money Market Tier III (75k or more) — 1.77% APY - Del Norte Credit Union
Business Money Market — 1.51% 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: May 30, 2026
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