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

Current rates for Del Norte Credit Union include: 12-Month CD: 3.82%, 18-Month CD: 3.82%, 24-Month CD: 4.08%, 60-Month CD: 4.08%, Savings: 0.25%, MMA: 1.51%

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Del Norte Credit Union

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Del Norte Credit Union Rates & Review October 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 and Verified: October 9, 2026

Del Norte Credit Union's top rates as of October 9, 2026 are 5.23% APY on its 13 Month CD Special, 0.25% APY on savings, 1.51% APY on money market accounts, personal loans from 10.49% APR, and credit cards from 11.74% APR, according to rates verified by MonitorBankRates. Other Del Norte Credit Union CD rates include Business CDs Minimum Balance - 13 month Special at 5.23%, 13 Month CD Special at 5.18%, and 13 month Special Business CD at 5.18%. 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 3.00%. Rates last updated and verified on 10/09/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.00%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Del Norte Credit Union
Administration

3286 Cerrillos Rd
Santa Fe, NM 87507

https://www.dncu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Del Norte Credit Union CD Rates

Product	Rate	APY	Term
13 Month Certificate Special	5.10%	5.23%	13 month
Min Deposit $100,000 Min Balance $100,000 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. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.23% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
13 Month Certificate Special	5.05%	5.18%	13 month
Min Deposit $10,000 Min Balance $10,000 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. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.18% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
13 Month Certificate Special	5.00%	5.13%	13 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.13% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
8 Month Certificate Special	4.35%	4.45%	8 month
Min Deposit $100,000 Min Balance $100,000 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. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
8 Month Certificate Special	4.30%	4.39%	8 month
Min Deposit $10,000 Min Balance $10,000 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. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.39% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
8 Month Certificate Special	4.25%	4.34%	8 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.34% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
24 Month Certificates and IRA Certificates	4.10%	4.18%	24 month
Min Deposit $100,000 Min Balance $100,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
36 Month Certificates and IRA Certificates	4.10%	4.18%	36 month
Min Deposit $100,000 Min Balance $100,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
48 Month Certificates and IRA Certificates	4.10%	4.18%	48 month
Min Deposit $100,000 Min Balance $100,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
60 Month Certificates and IRA Certificates	4.10%	4.18%	60 month
Min Deposit $100,000 Min Balance $100,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
24 Month Certificates and IRA Certificates	4.05%	4.13%	24 month
Min Deposit $10,000 Min Balance $10,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
36 Month Certificates and IRA Certificates	4.05%	4.13%	36 month
Min Deposit $10,000 Min Balance $10,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
48 Month Certificates and IRA Certificates	4.05%	4.13%	48 month
Min Deposit $10,000 Min Balance $10,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
60 Month Certificates and IRA Certificates	4.05%	4.13%	60 month
Min Deposit $10,000 Min Balance $10,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
24 Month Certificates and IRA Certificates	4.00%	4.08%	24 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
36 Month Certificates and IRA Certificates	4.00%	4.08%	36 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
48 Month Certificates and IRA Certificates	4.00%	4.08%	48 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
60 Month Certificates and IRA Certificates	4.00%	4.08%	60 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
12 Month Certificates and IRA Certificates	3.85%	3.92%	12 month
Min Deposit $100,000 Min Balance $100,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
18 Month Certificates and IRA Certificates	3.85%	3.92%	18 month
Min Deposit $100,000 Min Balance $100,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
6 Month Certificates and IRA Certificates	3.85%	3.92%	6 month
Min Deposit $100,000 Min Balance $100,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
9 Month Certificates and IRA Certificates	3.85%	3.92%	9 month
Min Deposit $100,000 Min Balance $100,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
12 Month Certificates and IRA Certificates	3.80%	3.87%	12 month
Min Deposit $10,000 Min Balance $10,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
18 Month Certificates and IRA Certificates	3.80%	3.87%	18 month
Min Deposit $10,000 Min Balance $10,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
6 Month Certificates and IRA Certificates	3.80%	3.87%	6 month
Min Deposit $10,000 Min Balance $10,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
9 Month Certificates and IRA Certificates	3.80%	3.87%	9 month
Min Deposit $10,000 Min Balance $10,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
12 Month Certificates and IRA Certificates	3.75%	3.82%	12 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
18 Month Certificates and IRA Certificates	3.75%	3.82%	18 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
6 Month Certificates and IRA Certificates	3.75%	3.82%	6 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
9 Month Certificates and IRA Certificates	3.75%	3.82%	9 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
3 Month Certificates and IRA Certificates	3.60%	3.67%	3 month
Min Deposit $100,000 Min Balance $100,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
3 Month Certificates and IRA Certificates	3.55%	3.61%	3 month
Min Deposit $10,000 Min Balance $10,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
3 Month Certificates and IRA Certificates	3.50%	3.56%	3 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
9 month Certificate Builder Share Account	0.25%	0.25%	9 months
Min Deposit $50 Min Balance $10 Details Requires a $50 minimum monthly deposit for nine months. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%

Del Norte Credit Union Business CD Rates

Product	Rate	APY	Term
Business Certificates Minimum Balance - 13 month Special	5.10%	5.23%	13 month
Min Deposit $100,000 Min Balance $100,000 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. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.39% → 5.23% ▲ 0.84 pts · high 5.23% / low 4.39% Oct 9, 20265.23%▲ from 4.39%* Sep 14, 20264.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
13 month Special Business Certificate	5.05%	5.18%	13 month
Min Deposit $10,000 Min Balance $10,000 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. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.18% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificate - 13 month Special	5.00%	5.13%	13 month
Min Deposit $1,000 Min Balance $1,000 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. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.29% → 5.13% ▲ 0.84 pts · high 5.13% / low 4.29% Oct 9, 20265.13%▲ from 4.29%* Sep 14, 20264.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificates Minimum Balance - 8 month Special	4.35%	4.45%	8 month
Min Deposit $100,000 Min Balance $100,000 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. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.13% → 4.45% ▲ 0.32 pts · high 4.45% / low 4.13% Oct 9, 20264.45%▲ from 4.13%* Sep 14, 20264.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
8 month Special Business Certificate	4.30%	4.39%	8 month
Min Deposit $10,000 Min Balance $10,000 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. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.39% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificate - 8 month Special	4.25%	4.34%	8 month
Min Deposit $1,000 Min Balance $1,000 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. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.03% → 4.34% ▲ 0.31 pts · high 4.34% / low 4.03% Oct 9, 20264.34%▲ from 4.03%* Sep 14, 20264.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificates Minimum Balance - 24 month	4.10%	4.18%	24 month
Min Deposit $100,000 Min Balance $100,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificates Minimum Balance - 36 month	4.10%	4.18%	36 month
Min Deposit $100,000 Min Balance $100,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificates Minimum Balance - 48 month	4.10%	4.18%	48 month
Min Deposit $100,000 Min Balance $100,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificates Minimum Balance - 60 month	4.10%	4.18%	60 month
Min Deposit $100,000 Min Balance $100,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
24 Month Business Certificate	4.05%	4.13%	24 month
Min Deposit $10,000 Min Balance $10,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
36 Month Business Certificate	4.05%	4.13%	36 month
Min Deposit $10,000 Min Balance $10,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
48 Month Business Certificate	4.05%	4.13%	48 month
Min Deposit $10,000 Min Balance $10,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
60 Month Business Certificate	4.05%	4.13%	60 month
Min Deposit $10,000 Min Balance $10,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
24 Month Business Certificate	4.00%	4.08%	24 month
Min Deposit $1,000 Min Balance $1,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
36 Month Business Certificate	4.00%	4.08%	36 month
Min Deposit $1,000 Min Balance $1,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
48 Month Business Certificate	4.00%	4.08%	48 month
Min Deposit $1,000 Min Balance $1,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
60 Month Business Certificate	4.00%	4.08%	60 month
Min Deposit $1,000 Min Balance $1,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificates Minimum Balance - 12 month	3.85%	3.92%	12 month
Min Deposit $100,000 Min Balance $100,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificates Minimum Balance - 18 month	3.85%	3.92%	18 month
Min Deposit $100,000 Min Balance $100,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificates Minimum Balance - 6 month	3.85%	3.92%	6 month
Min Deposit $100,000 Min Balance $100,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificates Minimum Balance - 9 month	3.85%	3.92%	9 month
Min Deposit $100,000 Min Balance $100,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
12 Month Business Certificate	3.80%	3.87%	12 month
Min Deposit $10,000 Min Balance $10,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
18 Month Business Certificate	3.80%	3.87%	18 month
Min Deposit $10,000 Min Balance $10,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
6 Month Business Certificate	3.80%	3.87%	6 month
Min Deposit $10,000 Min Balance $10,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
9 Month Business Certificate	3.80%	3.87%	9 month
Min Deposit $10,000 Min Balance $10,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
12 Month Business Certificate	3.75%	3.82%	12 month
Min Deposit $1,000 Min Balance $1,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
18 Month Business Certificate	3.75%	3.82%	18 month
Min Deposit $1,000 Min Balance $1,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
6 Month Business Certificate	3.75%	3.82%	6 month
Min Deposit $1,000 Min Balance $1,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
9 Month Business Certificate	3.75%	3.82%	9 month
Min Deposit $1,000 Min Balance $1,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificates Minimum Balance - 3 month	3.60%	3.67%	3 month
Min Deposit $100,000 Min Balance $100,000 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. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.67% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
3 Month Business Certificate	3.55%	3.61%	3 month
Min Deposit $10,000 Min Balance $10,000 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. Last Updated 10/09/2026 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 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
3 Month Business Certificate	3.50%	3.56%	3 month
Min Deposit $1,000 Min Balance $1,000 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. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%

Del Norte Credit Union Savings Rates

Product	Rate	APY
Holiday Savings Account	0.25%	0.25%
Min Deposit $5 Min Balance $10 Details Minimum average daily balance to obtain APY for Holiday Savings Accounts is $10.00. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
IRA Savings Account	0.25%	0.25%
Min Deposit $5 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Primary Savings	0.20%	0.20%
Min Deposit $5 Min Balance $50,000 Details Balance: $50,000; Minimum average daily balance to obtain APY for Primary Savings Accounts is $5.00. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Primary Savings	0.15%	0.15%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000 - $49,999; Minimum average daily balance to obtain APY for Primary Savings Accounts is $5.00. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Primary Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5 Details Balance: $5.00 - $1,999.99; Minimum average daily balance to obtain APY for Primary Savings Accounts is $5.00. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Primary Savings	0.10%	0.10%
Min Deposit $5 Min Balance $2,000 Details Balance: $2,000 - $9,999; Minimum average daily balance to obtain APY for Primary Savings Accounts is $5.00. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Primary Savings	0.10%	0.10%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000 - $24,999; Minimum average daily balance to obtain APY for Primary Savings Accounts is $5.00. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%

Del Norte Credit Union Business Savings Rates

Product	Rate	APY
Business Savings	0.20%	0.20%
Min Deposit $5 Min Balance $50,000 Details Balance: $50,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Savings	0.15%	0.15%
Min Deposit $5 Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Savings	0.10%	0.10%
Min Deposit $5 Min Balance $5 Details Balance: $5.00 - $1,999.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Savings	0.10%	0.10%
Min Deposit $5 Min Balance $2,000 Details Balance: $2,000 - $9,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Savings	0.10%	0.10%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%

Del Norte Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	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 10/09/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Money Market Accounts	1.25%	1.26%
Min Deposit $2,000 Min Balance $50,000 Details Balance: $50,000-$99,999.99; The rate may change after account opening (variable rate account). Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Money Market Accounts	1.00%	1.00%
Min Deposit $2,000 Min Balance $25,000 Details Balance: $25,000-$49,999.99; The rate may change after account opening (variable rate account). Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Money Market Accounts	0.80%	0.80%
Min Deposit $2,000 Min Balance $10,000 Details Balance: $10,000-$24,999.99; The rate may change after account opening (variable rate account). Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Money Market Accounts	0.75%	0.75%
Min Deposit $2,000 Min Balance $2,000 Details Balance: $2,000-$9,999.99; The rate may change after account opening (variable rate account). Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%

Del Norte Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	1.50%	1.51%
Min Deposit $2,000 Min Balance $100,000 Details Balance: $100,000; The rate may change after account opening (variable rate account). Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Money Market	1.25%	1.25%
Min Deposit $2,000 Min Balance $50,000 Details Balance: $50,000-$99,999.99; The rate may change after account opening (variable rate account). Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Money Market	1.00%	1.00%
Min Deposit $2,000 Min Balance $25,000 Details Balance: $25,000-$49,999.99; The rate may change after account opening (variable rate account). Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Money Market	0.80%	0.80%
Min Deposit $2,000 Min Balance $10,000 Details Balance: $10,000-$24,999.99; The rate may change after account opening (variable rate account). Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Money Market	0.75%	0.75%
Min Deposit $2,000 Min Balance $2,000 Details Balance: $2,000-$9,999.99; The rate may change after account opening (variable rate account). Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%

Del Norte Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New and Used Auto Loans - Cars & Trucks	-	-	3.99%	36 months
Details Model Year: 2024-2027; APR shown assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score of 760+, and must meet debt to income requirements. Other terms and conditions may apply. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
New and Used Auto Loans - Cars & Trucks	-	-	5.74%	36 months
Details Model Year: 2023 or older; APR shown assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score of 760+, and must meet debt to income requirements. Other terms and conditions may apply. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
First Time Buyer Auto Loans	-	-	11.24%	36 months
Details Model Year: 2024-2027; Tier 1*; Helping Members with limited or no credit to purchase vehicles.; APR shown assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score of 760+, and must meet debt to income requirements. Other terms and conditions may apply. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
First Time Buyer Auto Loans	-	-	12.64%	36 months
Details Model Year: 2023 or older; Tier 1; Helping Members with limited or no credit to purchase vehicles.; APR shown assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score of 760+, and must meet debt to income requirements. Other terms and conditions may apply. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 11.24% → 12.64% ▲ 1.40 pts · high 12.64% / low 11.24% Oct 1, 202612.64%▲ from 11.24%* Sep 14, 202611.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%

Del Norte Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Powersports - 2016 - 2026 Loan	-	7.49%	36 months
Details As Low As; Model Year: 2016 - 2026; Loan subject to $37 processing fee. APR shown assumes term of 36 months, $10,000 loan amount, clean title, LTV not to exceed 115%, minimum FICO score of 730+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
RV - 2016 - 2026 Loan	-	8.24%	120 months
Details As Low As; Model Year: 2016 - 2026; Loan subject to $37 processing fee. APR shown assumes term of 120 months, $15,000 loan amount, clean title, LTV not to exceed 115%, minimum FICO score of 730+, and must meet debt to income requirements. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Powersports - 2015 or older Loan	-	8.49%	36 months
Details As Low As; Model Year: 2015 or older; Loan subject to $37 processing fee. APR shown assumes term of 36 months, $10,000 loan amount, clean title, LTV not to exceed 115%, minimum FICO score of 730+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
RV - 2015 or older Loan	-	9.24%	120 months
Details As Low As; Model Year: 2015 or older; Loan subject to $37 processing fee. APR shown assumes term of 120 months, $15,000 loan amount, clean title, LTV not to exceed 115%, minimum FICO score of 730+, and must meet debt to income requirements. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%

Del Norte Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards	-	11.74%
Details As low as Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%

Del Norte Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Personal Loan	10.49%
Details As Low As; Loan subject to $37 processing fee. Other terms and conditions may apply. Speak with a lender regarding the specific requirements. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Unsecured Revolving Line of Credit	12.99%
Details As Low As; Loan subject to $37 processing fee. Other terms and conditions may apply. Speak with a lender regarding the specific requirements. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%

Del Norte Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Mobile Home (Up to 20 years old) Loan	-	-	10.18%	120 months
Details As Low As; Loan Rates are current as of October 9, 2026. Loan Rates and Fees may change at any time without notice. Please contact a member services representative for details. APR= Annual Percentage Rate. This is not an offer for credit. Your rate may be different based on credit approval, collateral, or terms requested. Rates advertised may change at anytime without notice. Please contact a lender for detail on current rates and terms. Offer is subject to credit approval. Your approved rate may be higher based on credit, term, or collateral. APR offered assumes term of 120 months, clean title, LTV not to exceed 95%, minimum FICO score of 730+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements. Eligible Types: Single Wide & Multi Wide Mobile or Modular Homes that are not permanently affixed to real property. Title must be active. For permanent foundation Mobile Home loans, see Mortgage Loan Info. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.18% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Baxter's Bunch	0.25%	-	0.25%
Min Deposit $5 Min Balance $5 Details Primary Savings Dividend Rate 0.25% Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Score! Teen Program	0.25%	-	0.25%
Min Deposit $5 Min Balance $5 Details Primary Savings Dividend Rate 0.25% Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Star	0.05%	-	0.05%
Min Balance $1,000 Details Account uses the average daily balance to obtain APY each monthly statement cycle. The rate may change after account opening (variable rate account). Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%

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.
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Financial Health History

Del Norte Credit Union’s Texas Ratio fell from 3.65% in Q3 2023 to 3.00% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.5B	3.00%	5.0	A+
March 31, 2026	$1.5B	3.47%	5.0	A+
December 31, 2025	$1.4B	4.55%	5.0	A+
September 30, 2025	$1.4B	3.30%	5.0	A+
June 30, 2025	$1.4B	3.38%	5.0	A+
March 31, 2025	$1.4B	3.43%	5.0	A+
December 31, 2024	$1.3B	4.22%	5.0	A+
September 30, 2024	$1.3B	3.19%	5.0	A+
June 30, 2024	$1.2B	3.14%	5.0	A+
March 31, 2024	$1.1B	3.00%	5.0	A+
December 31, 2023	$1.1B	4.15%	5.0	A+
September 30, 2023	$1.1B	3.65%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 220

Part-Time Employees 6

Branch Locations 9

ATM Locations 9

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

3.00%

Return on Assets (ROA)

0.3887%

Return on Equity (ROE)

4.1235%

Non-Performing Loans Ratio (NPL)

0.45%

Total Assets

1,505,178,654

Total Amount of Shares and Deposits

1,348,827,950

Total Shares and Deposits < 1 Year

1,297,127,325

Total Shares and Deposits 1 3 Years

49,090,979

Total Shares and Deposits > 3 Years

2,609,646

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

227,712,901

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

227,712,901

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

1,121,115,049

Total Interest Expense (Sum of items 6 8)

9,861,380

Share Certificates

8,196

Number of Accounts for Share Drafts

40,890

IRA KEOGH Accounts

1,853

Number of Accounts for Regular Shares

79,931

All other shares

Money Market Shares

1,675

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

341,219,469

Total Liabilities

1,363,321,369

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Del Norte Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Del Norte Credit Union

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.

Current Del Norte Credit Union Rates

12-Month CD3.82%
18-Month CD3.82%
24-Month CD4.08%
60-Month CD4.08%
Savings0.25%
MMA1.51%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Del Norte Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Del Norte Credit Union Texas Ratio

Del Norte Credit Union Health Trend

Del Norte Credit Union CD Rates

Del Norte Credit Union Business CD Rates

Del Norte Credit Union Savings Rates

Del Norte Credit Union Business Savings Rates

Del Norte Credit Union Money Market Rates

Del Norte Credit Union Business Money Market Rates

Del Norte Credit Union Auto Loan Rates

Del Norte Credit Union RV, Boat and Powersport Loan Rates

Del Norte Credit Union Credit Card Rates

Del Norte Credit Union Personal Loan Rates

Del Norte Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Del Norte Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Del Norte Credit Union

How many branches does Del Norte Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Del Norte Credit Union offer online and mobile banking?

Current Del Norte Credit Union Rates

Compare to Other Credit Unions