What are the current interest rates at Del Norte Credit Union?

Current rates for Del Norte Credit Union include: 12-Month CD: 3.56%, 18-Month CD: 3.41%, 24-Month CD: 3.30%, 60-Month CD: 3.15%, Savings: 0.10%, MMA: 0.75%

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Del Norte Credit Union

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Del Norte Credit Union Rates & Review April 2026

Q: How many branches does Del Norte Credit Union operate?

Del Norte Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Del Norte Credit Union?

Yes, to access services at Del Norte Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Del Norte Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Del Norte Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 8, 2026

Del Norte Credit Union's Business CDs Minimum Balance 8 month Special rates are at 4.13%, CDs and IRA CDs Minimum Balance 13 month Special rates are at 4.13%, CDs and IRA CDs Minimum Balance 8 month Special rates are at 4.13%, 13 month Special CDs and IRA CDs rates are at 4.08%, 8 month Special CDs and IRA CDs rates are at 4.08%. Del Norte Credit Union's savings rates are at 0.10%. Del Norte Credit Union's money market rates are at 0.75%. Del Norte Credit Union's Personal Loan Rates are at 10.49%. MonitorBankRates evaluates the financial stability of Del Norte Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.51%. Rates were last updated on 04/08/2026.

Del Norte Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Del Norte Credit Union? Share your experience about Del Norte Credit Union by leaving a review below, or read customer reviews before you decide to use Del Norte Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.51%

Excellent Lower than avg

Del Norte Credit Union
Administration

3286 Cerrillos Rd
Santa Fe, NM 87507

https://www.dncu.com

Del Norte Credit Union CD Rates

Product	Rate	APY	Term
Business Certificates Minimum Balance 8 month Special	4.05%	4.13%	8 month
Min Balance $100,000 Details $100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Certificates and IRA Certificates Minimum Balance 13 month Special	4.05%	4.13%	13
Min Balance $100,000 Details $100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at anytime without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Certificates and IRA Certificates Minimum Balance 8 month Special	4.05%	4.13%	8
Min Balance $100,000 Details $100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at anytime without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
13 month Special Certificates and IRA Certificates	4.00%	4.08%	13 month Special
Min Balance $10,000 Details $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
8 month Special Certificates and IRA Certificates	4.00%	4.08%	8 month Special
Min Balance $10,000 Details $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates - 13 month Special	4.00%	4.08%	13 month
Min Balance $10,000 Details $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates - 8 month Special	4.00%	4.08%	8 month
Min Balance $10,000 Details $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates Minimum Balance 13 month Special	4.05%	4.08%	13 month
Min Balance $100,000 Details $100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Certificates and IRA Certificates - 13 month Special	4.00%	4.08%	13
Min Balance $10,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Certificates and IRA Certificates - 8 month Special	4.00%	4.08%	8
Min Balance $10,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
13 month Special Certificates and IRA Certificates	3.95%	4.03%	13
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
8 month Special Certificates and IRA Certificates	3.95%	4.03%	8
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates - 13 month Special	3.95%	4.03%	13
Min Deposit $1,000 Min Balance $1,000 Details $1,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $1,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates - 8 month Special	3.95%	4.03%	8
Min Deposit $1,000 Min Balance $1,000 Details $1,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $1,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
IRA Certificate 13 month Special	3.95%	4.03%	13
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
IRA Certificate 8 month Special	3.95%	4.03%	8
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
8 Share Certificate	-	4.03%	8
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates Minimum Balance 12 month	3.60%	3.67%	12 month
Min Balance $100,000 Details $100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates Minimum Balance 3 month	3.60%	3.67%	3 month
Min Balance $100,000 Details $100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates Minimum Balance 6 month	3.60%	3.67%	6 month
Min Balance $100,000 Details $100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates Minimum Balance 9 month	3.60%	3.67%	9 month
Min Balance $100,000 Details $100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Certificates and IRA Certificates Minimum Balance 12 month	3.60%	3.67%	12
Min Balance $100,000 Details $100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at anytime without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Certificates and IRA Certificates Minimum Balance 3 month	3.60%	3.67%	3
Min Balance $100,000 Details $100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at anytime without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Certificates and IRA Certificates Minimum Balance 6 month	3.60%	3.67%	6
Min Balance $100,000 Details $100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at anytime without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Certificates and IRA Certificates Minimum Balance 9 month	3.60%	3.67%	9
Min Balance $100,000 Details $100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at anytime without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
12 month Certificates and IRA Certificates	3.55%	3.61%	12 month
Min Balance $10,000 Details $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
3 month Certificates and IRA Certificates	3.55%	3.61%	3 month
Min Balance $10,000 Details $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
6 month Certificates and IRA Certificates	3.55%	3.61%	6 month
Min Balance $10,000 Details $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
9 month Certificates and IRA Certificates	3.55%	3.61%	9 month
Min Balance $10,000 Details $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates - 12 month	3.55%	3.61%	12 month
Min Balance $10,000 Details $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates - 3 month	3.55%	3.61%	3 month
Min Balance $10,000 Details $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates - 6 month	3.55%	3.61%	6 month
Min Balance $10,000 Details $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates - 9 month	3.55%	3.61%	9 month
Min Balance $10,000 Details $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Certificates and IRA Certificates - 12 month	3.55%	3.61%	12
Min Balance $10,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Certificates and IRA Certificates - 3 month	3.55%	3.61%	3
Min Balance $10,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Certificates and IRA Certificates - 6 month	3.55%	3.61%	6
Min Balance $10,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Certificates and IRA Certificates - 9 month	3.55%	3.61%	9
Min Balance $10,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
12 month Certificates and IRA Certificates	3.50%	3.56%	12
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
3 month Certificates and IRA Certificates	3.50%	3.56%	3
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
6 month Certificates and IRA Certificates	3.50%	3.56%	6
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
9 month Certificates and IRA Certificates	3.50%	3.56%	9
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates - 12 month	3.50%	3.56%	12
Min Deposit $1,000 Min Balance $1,000 Details $1,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $1,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates - 3 month	3.50%	3.56%	3
Min Deposit $1,000 Min Balance $1,000 Details $1,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $1,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates - 6 month	3.50%	3.56%	6
Min Deposit $1,000 Min Balance $1,000 Details $1,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $1,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates - 9 month	3.50%	3.56%	9
Min Deposit $1,000 Min Balance $1,000 Details $1,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $1,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
IRA Certificate 12 month	3.50%	3.56%	12
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
IRA Certificate 3 month	3.50%	3.56%	3
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
IRA Certificate 6 month	3.50%	3.56%	6
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
IRA Certificate 9 month	3.50%	3.56%	9
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates Minimum Balance 18 month	3.45%	3.51%	18 month
Min Balance $100,000 Details $100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Certificates and IRA Certificates Minimum Balance 18 month	3.45%	3.51%	18
Min Balance $100,000 Details $100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at anytime without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
18 month Certificates and IRA Certificates	3.40%	3.46%	18 month
Min Balance $10,000 Details $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates - 18 month	3.40%	3.46%	18 month
Min Balance $10,000 Details $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Certificates and IRA Certificates - 18 month	3.40%	3.46%	18
Min Balance $10,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
18 month Certificates and IRA Certificates	3.35%	3.41%	18
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates - 18 month	3.35%	3.41%	18
Min Deposit $1,000 Min Balance $1,000 Details $1,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $1,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates Minimum Balance 24 month	3.35%	3.41%	24 month
Min Balance $100,000 Details $100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates Minimum Balance 36 month	3.30%	3.41%	36 month
Min Balance $100,000 Details $100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Certificates and IRA Certificates Minimum Balance 24 month	3.35%	3.41%	24
Min Balance $100,000 Details $100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at anytime without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
IRA Certificate 18 month	3.35%	3.41%	18
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
24 month Certificates and IRA Certificates	3.30%	3.35%	24 month
Min Balance $10,000 Details $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates - 24 month	3.30%	3.35%	24 month
Min Balance $10,000 Details $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Certificates and IRA Certificates - 24 month	3.30%	3.35%	24
Min Balance $10,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Certificates and IRA Certificates Minimum Balance 36 month	3.30%	3.35%	36
Min Balance $100,000 Details $100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at anytime without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
24 month Certificates and IRA Certificates	3.25%	3.30%	24
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
36 month Certificates and IRA Certificates	3.25%	3.30%	36 month
Min Balance $10,000 Details $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates - 24 month	3.25%	3.30%	24
Min Deposit $1,000 Min Balance $1,000 Details $1,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $1,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates - 36 month	3.25%	3.30%	36 month
Min Balance $10,000 Details $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Certificates and IRA Certificates - 36 month	3.25%	3.30%	36
Min Balance $10,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
IRA Certificate 24 month	3.25%	3.30%	24
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
36 month Certificates and IRA Certificates	3.20%	3.25%	36
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates - 36 month	3.20%	3.25%	36
Min Deposit $1,000 Min Balance $1,000 Details $1,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $1,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates Minimum Balance 48 month	3.20%	3.25%	48 month
Min Balance $100,000 Details $100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates Minimum Balance 60 month	3.20%	3.25%	60 month
Min Balance $100,000 Details $100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Certificates and IRA Certificates Minimum Balance 48 month	3.20%	3.25%	48
Min Balance $100,000 Details $100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at anytime without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Certificates and IRA Certificates Minimum Balance 60 month	3.20%	3.25%	60
Min Balance $100,000 Details $100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at anytime without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
IRA Certificate 36 month	3.20%	3.25%	36
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
48 month Certificates and IRA Certificates	3.15%	3.20%	48 month
Min Balance $10,000 Details $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
60 month Certificates and IRA Certificates	3.15%	3.20%	60 month
Min Balance $10,000 Details $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates - 48 month	3.15%	3.20%	48 month
Min Balance $10,000 Details $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates - 60 month	3.15%	3.20%	60 month
Min Balance $10,000 Details $10,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $10,000. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Certificates and IRA Certificates - 48 month	3.15%	3.20%	48
Min Balance $10,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Certificates and IRA Certificates - 60 month	3.15%	3.20%	60
Min Balance $10,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
48 month Certificates and IRA Certificates	3.10%	3.15%	48
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
60 month Certificates and IRA Certificates	3.10%	3.15%	60
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates - 48 month	3.10%	3.15%	48
Min Deposit $1,000 Min Balance $1,000 Details $1,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $1,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Certificates - 60 month	3.10%	3.15%	60
Min Deposit $1,000 Min Balance $1,000 Details $1,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $1,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at any time without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
IRA Certificate 48 month	3.10%	3.15%	48
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
IRA Certificate 60 month	3.10%	3.15%	60
Min Deposit $1,000 Min Balance $1,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

Del Norte Credit Union Savings Rates

Product	Rate	APY
Holiday Savings Account	0.25%	0.25%
No additional details. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
IRA Savings Account	0.25%	0.25%
No additional details. Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Savings	0.20%	0.20%
Min Deposit $5 Min Balance $50,000 Details Average Daily Balance of $50,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Primary Savings	0.20%	0.20%
Min Balance $50,000 Details Primary Savings with Average Daily Balance of $50,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Savings	0.15%	0.15%
Min Deposit $5 Min Balance $25,000 Details Average Daily Balance of $25,000 - $49,999 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Primary Savings	0.15%	0.15%
Min Balance $25,000 Details Primary Savings with Average Daily Balance of $25,000 - $49,999 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5 Details Average Daily Balance of $5.00 - $1,999.99 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Primary Savings	0.10%	0.10%
Min Balance $5 Details Primary Savings with Average Daily Balance of $5.00 - $1,999.99 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

Del Norte Credit Union Money Market Rates

Product	Rate	APY
Business Money Market	1.50%	1.51%
Min Deposit $2,000 Min Balance $100,000 Details The rate may change after account opening (variable rate account). Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Money Market Accounts	1.50%	1.51%
Min Deposit $2,000 Min Balance $100,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Money Market Accounts	1.25%	1.26%
Min Deposit $2,000 Min Balance $50,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Money Market	1.25%	1.25%
Min Deposit $2,000 Min Balance $50,000 Details The rate may change after account opening (variable rate account). Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Money Market	1.00%	1.00%
Min Deposit $2,000 Min Balance $25,000 Details The rate may change after account opening (variable rate account). Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Money Market Accounts	1.00%	1.00%
Min Deposit $2,000 Min Balance $25,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Money Market	0.80%	0.80%
Min Deposit $2,000 Min Balance $10,000 Details The rate may change after account opening (variable rate account). Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Money Market Accounts	0.80%	0.80%
Min Deposit $2,000 Min Balance $10,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Business Money Market	0.75%	0.75%
Min Deposit $2,000 Min Balance $2,000 Details The rate may change after account opening (variable rate account). Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Money Market Accounts	0.75%	0.75%
Min Deposit $2,000 Min Balance $2,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

Del Norte Credit Union Checking Rates

Product	Rate	APY
Money Market Checking Accounts	1.50%	1.51%
Min Deposit $2,000 Min Balance $100,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Money Market Checking Accounts	1.25%	1.26%
Min Deposit $2,000 Min Balance $50,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Money Market Checking Accounts	1.00%	1.00%
Min Deposit $2,000 Min Balance $25,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Money Market Checking Accounts	0.80%	0.80%
Min Deposit $2,000 Min Balance $10,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Money Market Checking Accounts	0.75%	0.75%
Min Deposit $2,000 Min Balance $2,000 Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

Del Norte Credit Union Auto Loan Rates

Product	Rate	Points	APR
New and Used Auto Loans - Cars & Trucks 2023-2026	-	-	3.99%
Details As Low As Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
New or Used Auto Loans	-	-	3.99%
Details As Low As Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
New and Used Auto Loans - Cars & Trucks 2022 or older	-	-	5.74%
Details As Low As Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
New and Used Auto Loans - Cars & Trucks First Time Buyer Auto Loans 2023-2026	-	-	11.24%
Details As Low As Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
New and Used Auto Loans - Cars & Trucks First Time Buyer Auto Loans 2022 or older	-	-	12.64%
Details As Low As Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

Del Norte Credit Union Credit Card Rates

Product	Rate	APR
DNCU Share Secured Credit Cards	-	9.90%
Details Annual Percentage Rate (APR) for Purchases, Balance Transfers & Cash*** Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Credit Cards	-	11.49%
Details As Low As Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
DNCU Reward Credit Cards	-	11.49%
Details As Low As Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
DNCU Business Visa Credit Cards	-	13.24%
Details As Low As Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

Del Norte Credit Union Personal Loan Rates

Product	Rate	APR
Personal Loan	-	10.49%
Details As Low As Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%
Unsecured Personal Loan	-	10.49%
Details As Low As Last Updated 04/08/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.51%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Del Norte Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Del Norte Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Del Norte Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Del Norte Credit Union

Website https://www.dncu.com

Address 3286 Cerrillos Rd, Santa Fe, NM 87507

Phone 505-455-5228

Fax

President Clyde Leyba

CEO John Molenda

Full-Time Employees 209

Part-Time Employees 6

Branch Locations 8

ATM Locations 8

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.51%

Return on Assets (ROA)

0.7378%

Return on Equity (ROE)

7.7546%

Non-Performing Loans Ratio (NPL)

0.48%

Total Assets

1,393,245,039

Total Amount of Shares and Deposits

1,251,083,379

Total Shares and Deposits < 1 Year

1,225,481,643

Total Shares and Deposits 1 3 Years

20,059,049

Total Shares and Deposits > 3 Years

5,542,687

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

194,231,005

Total Uninsured Shares and Deposits > $250K (F+J)

194,231,005

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,056,852,374

Total Interest Expense (Sum of items 6 8)

16,115,980

Share Certificates

7,764

Number of Accounts for Share Drafts

39,592

IRA KEOGH Accounts

1,840

Number of Accounts for Regular Shares

78,233

All other shares

Money Market Shares

1,619

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

296,101,774

Total Liabilities

1,262,090,684

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Del Norte Credit Union

Is Del Norte Credit Union a safe place to deposit money?

Yes, Del Norte Credit Union is considered a safe financial institution. With a Texas Ratio of 3.5140386406935%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Del Norte Credit Union operate?

Del Norte Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Del Norte Credit Union?

Yes, to access services at Del Norte Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Del Norte Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Del Norte Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Del Norte Credit Union offer online and mobile banking?

Most modern institutions like Del Norte Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.dncu.com.