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 September 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: September 22, 2026

Del Norte Credit Union's 13 Month Business CDs Minimum Balance rates are at 4.39%, 13 Month CDs and IRA CDs Minimum Balance rates are at 4.39%, 13 Month Business CDs Minimum Balance rates are at 4.34%, 13 Month CDs and IRA CDs Minimum Balance rates are at 4.34%, 13 Month Business CDs Minimum Balance rates are at 4.29%. 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 as low as 10.49%. Del Norte Credit Union's Credit Card Rates are at 15.49%. 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 3.47%. Rates last updated and verified on 09/22/2026.

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 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

3.47%

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

Del Norte Credit Union CD Rates

Product	Rate	APY	Term
13 Month Business Certificates Minimum Balance	4.30%	4.39%	13 month Special
Min Deposit $100,000 Min Balance $100,000 Details $100,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
13 Month Certificates and IRA Certificates Minimum Balance	4.30%	4.39%	13 month Special
Min Deposit $100,000 Min Balance $100,000 Details $100,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
13 Month Business Certificates Minimum Balance	4.25%	4.34%	13 month Special
Min Deposit $10,000 Min Balance $10,000 Details $10,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
13 Month Certificates and IRA Certificates Minimum Balance	4.25%	4.34%	13 month Special
Min Deposit $10,000 Min Balance $10,000 Details $10,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
13 Month Business Certificates Minimum Balance	4.20%	4.29%	13 month Special
Min Deposit $1,000 Min Balance $1,000 Details $1,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
13 Month Certificates and IRA Certificates Minimum Balance	4.20%	4.29%	13 month Special
Min Deposit $1,000 Min Balance $1,000 Details $1,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
8 Month Business Certificates Minimum Balance	4.05%	4.13%	8 month Special
Min Deposit $100,000 Min Balance $100,000 Details $100,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
8 Month Certificates and IRA Certificates Minimum Balance	4.05%	4.13%	8 month Special
Min Deposit $100,000 Min Balance $100,000 Details $100,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
8 Month Business Certificates Minimum Balance	4.00%	4.08%	8 month Special
Min Deposit $10,000 Min Balance $10,000 Details $10,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
8 Month Certificates and IRA Certificates Minimum Balance	4.00%	4.08%	8 month Special
Min Deposit $10,000 Min Balance $10,000 Details $10,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
8 Month Business Certificates Minimum Balance	3.95%	4.03%	8 month Special
Min Deposit $1,000 Min Balance $1,000 Details $1,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
8 Month Certificates and IRA Certificates Minimum Balance	3.95%	4.03%	8 month Special
Min Deposit $1,000 Min Balance $1,000 Details $1,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
12 Month Business Certificates Minimum Balance	3.60%	3.67%	12 month
Min Deposit $100,000 Min Balance $100,000 Details $100,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
12 Month Certificates and IRA Certificates Minimum Balance	3.60%	3.67%	12 month
Min Deposit $100,000 Min Balance $100,000 Details $100,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
3 Month Business Certificates Minimum Balance	3.60%	3.67%	3 month
Min Deposit $100,000 Min Balance $100,000 Details $100,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
3 Month Certificates and IRA Certificates Minimum Balance	3.60%	3.67%	3 month
Min Deposit $100,000 Min Balance $100,000 Details $100,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
6 Month Business Certificates Minimum Balance	3.60%	3.67%	6 month
Min Deposit $100,000 Min Balance $100,000 Details $100,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
6 Month Certificates and IRA Certificates Minimum Balance	3.60%	3.67%	6 month
Min Deposit $100,000 Min Balance $100,000 Details $100,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
9 Month Business Certificates Minimum Balance	3.60%	3.67%	9 month
Min Deposit $100,000 Min Balance $100,000 Details $100,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
9 Month Certificates and IRA Certificates Minimum Balance	3.60%	3.67%	9 month
Min Deposit $100,000 Min Balance $100,000 Details $100,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
12 Month Business Certificates Minimum Balance	3.55%	3.61%	12 month
Min Deposit $10,000 Min Balance $10,000 Details $10,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
12 Month Certificates and IRA Certificates Minimum Balance	3.55%	3.61%	12 month
Min Deposit $10,000 Min Balance $10,000 Details $10,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
3 Month Business Certificates Minimum Balance	3.55%	3.61%	3 month
Min Deposit $10,000 Min Balance $10,000 Details $10,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
3 Month Certificates and IRA Certificates Minimum Balance	3.55%	3.61%	3 month
Min Deposit $10,000 Min Balance $10,000 Details $10,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
6 Month Business Certificates Minimum Balance	3.55%	3.61%	6 month
Min Deposit $10,000 Min Balance $10,000 Details $10,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
6 Month Certificates and IRA Certificates Minimum Balance	3.55%	3.61%	6 month
Min Deposit $10,000 Min Balance $10,000 Details $10,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
9 Month Business Certificates Minimum Balance	3.55%	3.61%	9 month
Min Deposit $10,000 Min Balance $10,000 Details $10,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
9 Month Certificates and IRA Certificates Minimum Balance	3.55%	3.61%	9 month
Min Deposit $10,000 Min Balance $10,000 Details $10,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
12 Month Business Certificates Minimum Balance	3.50%	3.56%	12 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
12 Month Certificates and IRA Certificates Minimum Balance	3.50%	3.56%	12 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
3 Month Business Certificates Minimum Balance	3.50%	3.56%	3 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
3 Month Certificates and IRA Certificates Minimum Balance	3.50%	3.56%	3 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
6 Month Business Certificates Minimum Balance	3.50%	3.56%	6 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
6 Month Certificates and IRA Certificates Minimum Balance	3.50%	3.56%	6 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
9 Month Business Certificates Minimum Balance	3.50%	3.56%	9 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
9 Month Certificates and IRA Certificates Minimum Balance	3.50%	3.56%	9 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
18 Month Business Certificates Minimum Balance	3.45%	3.51%	18 month
Min Deposit $100,000 Min Balance $100,000 Details $100,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
18 Month Certificates and IRA Certificates Minimum Balance	3.45%	3.51%	18 month
Min Deposit $100,000 Min Balance $100,000 Details $100,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
18 Month Business Certificates Minimum Balance	3.40%	3.46%	18 month
Min Deposit $10,000 Min Balance $10,000 Details $10,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
18 Month Certificates and IRA Certificates Minimum Balance	3.40%	3.46%	18 month
Min Deposit $10,000 Min Balance $10,000 Details $10,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
18 Month Business Certificates Minimum Balance	3.35%	3.41%	18 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
18 Month Certificates and IRA Certificates Minimum Balance	3.35%	3.41%	18 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
24 Month Business Certificates Minimum Balance	3.35%	3.41%	24 month
Min Deposit $100,000 Min Balance $100,000 Details $100,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
24 Month Certificates and IRA Certificates Minimum Balance	3.35%	3.41%	24 month
Min Deposit $100,000 Min Balance $100,000 Details $100,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
36 Month Business Certificates Minimum Balance	3.30%	3.41%	36 month
Min Deposit $100,000 Min Balance $100,000 Details $100,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
24 Month Business Certificates Minimum Balance	3.30%	3.35%	24 month
Min Deposit $10,000 Min Balance $10,000 Details $10,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
24 Month Certificates and IRA Certificates Minimum Balance	3.30%	3.35%	24 month
Min Deposit $10,000 Min Balance $10,000 Details $10,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
36 Month Certificates and IRA Certificates Minimum Balance	3.30%	3.35%	36 month
Min Deposit $100,000 Min Balance $100,000 Details $100,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
24 Month Business Certificates Minimum Balance	3.25%	3.30%	24 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
24 Month Certificates and IRA Certificates Minimum Balance	3.25%	3.30%	24 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
36 Month Business Certificates Minimum Balance	3.25%	3.30%	36 month
Min Deposit $10,000 Min Balance $10,000 Details $10,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
36 Month Certificates and IRA Certificates Minimum Balance	3.25%	3.30%	36 month
Min Deposit $10,000 Min Balance $10,000 Details $10,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
36 Month Business Certificates Minimum Balance	3.20%	3.25%	36 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
36 Month Certificates and IRA Certificates Minimum Balance	3.20%	3.25%	36 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
48 Month Business Certificates Minimum Balance	3.20%	3.25%	48 month
Min Deposit $100,000 Min Balance $100,000 Details $100,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
48 Month Certificates and IRA Certificates Minimum Balance	3.20%	3.25%	48 month
Min Deposit $100,000 Min Balance $100,000 Details $100,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
60 Month Business Certificates Minimum Balance	3.20%	3.25%	60 month
Min Deposit $100,000 Min Balance $100,000 Details $100,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
60 Month Certificates and IRA Certificates Minimum Balance	3.20%	3.25%	60 month
Min Deposit $100,000 Min Balance $100,000 Details $100,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
48 Month Business Certificates Minimum Balance	3.15%	3.20%	48 month
Min Deposit $10,000 Min Balance $10,000 Details $10,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
48 Month Certificates and IRA Certificates Minimum Balance	3.15%	3.20%	48 month
Min Deposit $10,000 Min Balance $10,000 Details $10,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
60 Month Business Certificates Minimum Balance	3.15%	3.20%	60 month
Min Deposit $10,000 Min Balance $10,000 Details $10,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
60 Month Certificates and IRA Certificates Minimum Balance	3.15%	3.20%	60 month
Min Deposit $10,000 Min Balance $10,000 Details $10,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
48 Month Business Certificates Minimum Balance	3.10%	3.15%	48 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
48 Month Certificates and IRA Certificates Minimum Balance	3.10%	3.15%	48 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
60 Month Business Certificates Minimum Balance	3.10%	3.15%	60 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
60 Month Certificates and IRA Certificates Minimum Balance	3.10%	3.15%	60 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%

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 is $10.00. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
IRA Savings Account	0.25%	0.25%
Min Deposit $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Business Savings	0.20%	0.20%
Min Deposit $5 Min Balance $50,000 Details Balance: $50,000 ; Minimum average daily balance to obtain APY for Regular Savings Accounts is $5.00. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Primary Savings	0.20%	0.20%
Min Deposit $5 Min Balance $50,000 Details Balance: $50,000 ; Minimum average daily balance to obtain APY is $5.00. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Business 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 Regular Savings Accounts is $5.00. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
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 is $5.00. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Business 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 Regular Savings Accounts is $5.00. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Business 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 Regular Savings Accounts is $5.00. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Business 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 Regular Savings Accounts is $5.00. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
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 is $5.00. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
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 is $5.00. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
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 is $5.00. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%

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 Balance: $100,000 ; Fee May Reduce Earnings on the Account.; The rate may change after account opening (variable rate account). Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Money Market Accounts	1.50%	1.51%
Min Deposit $2,000 Min Balance $100,000 Details Balance: $100,000 ; Fee May Reduce Earnings on the Account.; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Money Market Accounts	1.25%	1.26%
Min Deposit $2,000 Min Balance $50,000 Details Balance: $50,000-$99,999.99; Fee May Reduce Earnings on the Account.; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Business Money Market	1.25%	1.25%
Min Deposit $2,000 Min Balance $50,000 Details Balance: $50,000-$99,999.99; Fee May Reduce Earnings on the Account.; The rate may change after account opening (variable rate account). Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Business Money Market	1.00%	1.00%
Min Deposit $2,000 Min Balance $25,000 Details Balance: $25,000-$49,999.99; Fee May Reduce Earnings on the Account.; The rate may change after account opening (variable rate account). Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Money Market Accounts	1.00%	1.00%
Min Deposit $2,000 Min Balance $25,000 Details Balance: $25,000-$49,999.99; Fee May Reduce Earnings on the Account.; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Business Money Market	0.80%	0.80%
Min Deposit $2,000 Min Balance $10,000 Details Balance: $10,000-$24,999.99; Fee May Reduce Earnings on the Account.; The rate may change after account opening (variable rate account). Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Money Market Accounts	0.80%	0.80%
Min Deposit $2,000 Min Balance $10,000 Details Balance: $10,000-$24,999.99; Fee May Reduce Earnings on the Account.; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Business Money Market	0.75%	0.75%
Min Deposit $2,000 Min Balance $2,000 Details Balance: $2,000-$9,999.99; Fee May Reduce Earnings on the Account.; The rate may change after account opening (variable rate account). Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%

Del Norte Credit Union Auto Loan Rates

Product	Rate	Points	APR
New and Used Auto Loans - Cars & Trucks	-	-	3.99%
Details Additional APR listed for this product: 5.74%. As Low As; 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. Speak with a lender regarding the specific requirements. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
First Time Buyer Auto Loans	-	-	11.24%
Details Additional APR listed for this product: 12.64%. Helping Members with limited or no credit to purchase vehicles. As Low As; 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. Speak with a lender regarding the specific requirements. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%

Del Norte Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Powersports Loan	-	7.49%
Details As Low As; Model Year: 2016 - 2026 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
RV Loan	-	8.24%	120 months
Details 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. Other terms and conditions may apply. Speak with a lender regarding the specific requirements. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Powersports Loan	-	8.49%
Details As Low As; Model Year: 2015 or older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
RV Loan	-	9.24%	120 months
Details 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. Other terms and conditions may apply. Speak with a lender regarding the specific requirements. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%

Del Norte Credit Union Credit Card Rates

Product	Rate	APR	View More
Elevate VISA	-	15.49%
Details 1.5% cash back on everyday purchases; No annual fee Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%

Del Norte Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Personal Loan	10.49%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Unsecured Revolving Line of Credit	12.99%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%

Del Norte Credit Union Other Rates

Product	Rate	Points	APY/APR
Mobile Home (Up to 20 years old) Loan	-	-	10.18%
Details As Low As; 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. 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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Baxter's Bunch	0.25%	-	0.25%
Min Deposit $5 Min Balance $5 Details Primary Savings Dividend Rate; Minimum average daily balance to obtain APY is $5.00 for primary savings and $10 for holiday savings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
Score! Teen Program	0.25%	-	0.25%
Min Deposit $5 Min Balance $5 Details Primary Savings Dividend Rate; Minimum average daily balance to obtain APY is $5.00 for primary savings and $10 for holiday savings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%
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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.47%

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 stayed near 3.72% in Q2 2023 to 3.47% in Q1 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
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+
June 30, 2023	$1.0B	3.72%	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 214

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

3.47%

Return on Assets (ROA)

0.2450%

Return on Equity (ROE)

2.5788%

Non-Performing Loans Ratio (NPL)

0.52%

Total Assets

1,469,501,778

Total Amount of Shares and Deposits

1,316,899,980

Total Shares and Deposits < 1 Year

1,278,837,245

Total Shares and Deposits 1 3 Years

33,474,929

Total Shares and Deposits > 3 Years

4,587,806

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

212,383,609

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

212,383,609

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

1,104,516,371

Total Interest Expense (Sum of items 6 8)

4,805,485

Share Certificates

7,913

Number of Accounts for Share Drafts

40,423

IRA KEOGH Accounts

1,833

Number of Accounts for Regular Shares

79,168

All other shares

Money Market Shares

1,649

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)

338,679,476

Total Liabilities

1,329,933,008

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Del Norte Credit Union earned the Verified Healthy badge

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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.