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Del Norte Credit Union

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Del Norte Credit Union Rates & Review November 2026

Q: 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%

Q: What CD terms does Del Norte Credit Union offer?

Del Norte Credit Union CD rates are 4.39% APY for an 8 month CD, 3.82% APY for a 12 month CD, 5.18% APY for a 13 month CD, 3.82% APY for an 18 month CD, 4.13% APY for a 2 year CD, 4.13% APY for a 3 year CD, 4.13% APY for a 4 year CD and 4.08% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Del Norte Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Del Norte Credit Union's 13 Month CD rates are at 5.18%, 8 Month CD rates are at 4.39%, 24 Month CD rates are at 4.13%, 36 Month CD rates are at 4.13%, 48 Month CD rates are at 4.13%. Del Norte Credit Union's savings rates are at 0.25%. Del Norte Credit Union's money market rates are at 1.51%. Del Norte Credit Union's checking rates are as high as 0.05%. Del Norte Credit Union's Personal Loan Rates are as low as 10.49%. Del Norte Credit Union's Credit Card Rates are at 11.74%. Del Norte Credit Union's CD rates are 51% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/29/2026.

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

3.00%

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
Certificates and IRA Certificates - 13 month Special	5.10%	5.23%	13 month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ minimum to obtain APY; Minimum balance to open $100,000 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 4.29% → 5.23% ▲ 0.94 pts · high 5.23% / low 4.29% Oct 29, 20265.23%▲ from 5.18% Oct 26, 20265.18%▲ from 4.29% Sep 14, 20264.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
13 Month Certificate	5.05%	5.18%	13 month
Min Deposit $10,000 Min Balance $10,000 Details 13 month Special; Certificates and IRA Certificates - $10,000+ Minimum Balance; $10,000+ Minimum Balance to obtain APY; Rates current as of October 29, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 5.23% → 5.18% ▼ 0.05 pts · high 5.23% / low 5.18% Oct 29, 20265.18%▼ from 5.23% Oct 26, 20265.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Certificate - 13 month Special	5.00%	5.13%	13 month
Min Deposit $1,000 Min Balance $1,000 Details Special; Minimum balance to obtain APY: $1,000+; Minimum balance to open: $1,000; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.13% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Certificates and IRA Certificates - 8 month Special	4.35%	4.45%	8 month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ minimum to obtain APY; Minimum balance to open $100,000 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 4.03% → 4.45% ▲ 0.42 pts · high 4.45% / low 4.03% Oct 29, 20264.45%▲ from 4.39% Oct 26, 20264.39%▲ from 4.03% Sep 14, 20264.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
8 Month Certificate	4.30%	4.39%	8 month
Min Deposit $10,000 Min Balance $10,000 Details 8 month Special; Certificates and IRA Certificates - $10,000+ Minimum Balance; $10,000+ Minimum Balance to obtain APY; Rates current as of October 29, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 4.45% → 4.39% ▼ 0.06 pts · high 4.45% / low 4.39% Oct 29, 20264.39%▼ from 4.45% Oct 26, 20264.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Certificate - 8 month Special	4.25%	4.34%	8 month
Min Deposit $1,000 Min Balance $1,000 Details Special; Minimum balance to obtain APY: $1,000+; Minimum balance to open: $1,000; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.34% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Certificates and IRA Certificates - 24 month	4.10%	4.18%	24 month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ minimum to obtain APY; Minimum balance to open $100,000 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.30% → 4.18% ▲ 0.88 pts · high 4.18% / low 3.30% Oct 29, 20264.18%▲ from 4.13% Oct 26, 20264.13%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Certificates and IRA Certificates - 36 month	4.10%	4.18%	36 month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ minimum to obtain APY; Minimum balance to open $100,000 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.25% → 4.18% ▲ 0.93 pts · high 4.18% / low 3.25% Oct 29, 20264.18%▲ from 4.13% Oct 26, 20264.13%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Certificates and IRA Certificates - 48 month	4.10%	4.18%	48 month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ minimum to obtain APY; Minimum balance to open $100,000 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.15% → 4.18% ▲ 1.03 pts · high 4.18% / low 3.15% Oct 29, 20264.18%▲ from 4.13% Oct 26, 20264.13%▲ from 3.15% Sep 14, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Certificates and IRA Certificates - 60 month	4.10%	4.18%	60 month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ minimum to obtain APY; Minimum balance to open $100,000 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.15% → 4.18% ▲ 1.03 pts · high 4.18% / low 3.15% Oct 29, 20264.18%▲ from 4.13% Oct 26, 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 Certificate	4.05%	4.13%	24 month
Min Deposit $10,000 Min Balance $10,000 Details Certificates and IRA Certificates - $10,000+ Minimum Balance; $10,000+ Minimum Balance to obtain APY; Rates current as of October 29, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 4.18% → 4.13% ▼ 0.05 pts · high 4.18% / low 4.13% Oct 29, 20264.13%▼ from 4.18% Oct 26, 20264.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
36 Month Certificate	4.05%	4.13%	36 month
Min Deposit $10,000 Min Balance $10,000 Details Certificates and IRA Certificates - $10,000+ Minimum Balance; $10,000+ Minimum Balance to obtain APY; Rates current as of October 29, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 4.18% → 4.13% ▼ 0.05 pts · high 4.18% / low 4.13% Oct 29, 20264.13%▼ from 4.18% Oct 26, 20264.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
48 Month Certificate	4.05%	4.13%	48 month
Min Deposit $10,000 Min Balance $10,000 Details Certificates and IRA Certificates - $10,000+ Minimum Balance; $10,000+ Minimum Balance to obtain APY; Rates current as of October 29, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 4.18% → 4.13% ▼ 0.05 pts · high 4.18% / low 4.13% Oct 29, 20264.13%▼ from 4.18% Oct 26, 20264.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
60 Month Certificate	4.05%	4.13%	60 month
Min Deposit $10,000 Min Balance $10,000 Details Certificates and IRA Certificates - $10,000+ Minimum Balance; $10,000+ Minimum Balance to obtain APY; Rates current as of October 29, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 4.18% → 4.13% ▼ 0.05 pts · high 4.18% / low 4.13% Oct 29, 20264.13%▼ from 4.18% Oct 26, 20264.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Certificate - 24 month	4.00%	4.08%	24 month
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to obtain APY: $1,000+; Minimum balance to open: $1,000; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.08% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Certificate - 36 month	4.00%	4.08%	36 month
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to obtain APY: $1,000+; Minimum balance to open: $1,000; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.08% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Certificate - 48 month	4.00%	4.08%	48 month
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to obtain APY: $1,000+; Minimum balance to open: $1,000; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.08% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Certificate - 60 month	4.00%	4.08%	60 month
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to obtain APY: $1,000+; Minimum balance to open: $1,000; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.08% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Certificates and IRA Certificates - 12 month	3.85%	3.92%	12 month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ minimum to obtain APY; Minimum balance to open $100,000 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.56% → 3.92% ▲ 0.36 pts · high 3.92% / low 3.56% Oct 29, 20263.92%▲ from 3.87% Oct 26, 20263.87%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Certificates and IRA Certificates - 18 month	3.85%	3.92%	18 month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ minimum to obtain APY; Minimum balance to open $100,000 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.41% → 3.92% ▲ 0.51 pts · high 3.92% / low 3.41% Oct 29, 20263.92%▲ from 3.87% Oct 26, 20263.87%▲ from 3.41% Sep 14, 20263.41%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Certificates and IRA Certificates - 6 month	3.85%	3.92%	6 month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ minimum to obtain APY; Minimum balance to open $100,000 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.56% → 3.92% ▲ 0.36 pts · high 3.92% / low 3.56% Oct 29, 20263.92%▲ from 3.87% Oct 26, 20263.87%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Certificates and IRA Certificates - 9 month	3.85%	3.92%	9 month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ minimum to obtain APY; Minimum balance to open $100,000 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.56% → 3.92% ▲ 0.36 pts · high 3.92% / low 3.56% Oct 29, 20263.92%▲ from 3.87% Oct 26, 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 Certificate	3.80%	3.87%	12 month
Min Deposit $10,000 Min Balance $10,000 Details Certificates and IRA Certificates - $10,000+ Minimum Balance; $10,000+ Minimum Balance to obtain APY; Rates current as of October 29, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 3.92% → 3.87% ▼ 0.05 pts · high 3.92% / low 3.87% Oct 29, 20263.87%▼ from 3.92% Oct 26, 20263.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
18 Month Certificate	3.80%	3.87%	18 month
Min Deposit $10,000 Min Balance $10,000 Details Certificates and IRA Certificates - $10,000+ Minimum Balance; $10,000+ Minimum Balance to obtain APY; Rates current as of October 29, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 3.92% → 3.87% ▼ 0.05 pts · high 3.92% / low 3.87% Oct 29, 20263.87%▼ from 3.92% Oct 26, 20263.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
6 Month Certificate	3.80%	3.87%	6 month
Min Deposit $10,000 Min Balance $10,000 Details Certificates and IRA Certificates - $10,000+ Minimum Balance; $10,000+ Minimum Balance to obtain APY; Rates current as of October 29, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 3.92% → 3.87% ▼ 0.05 pts · high 3.92% / low 3.87% Oct 29, 20263.87%▼ from 3.92% Oct 26, 20263.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
9 Month Certificate	3.80%	3.87%	9 month
Min Deposit $10,000 Min Balance $10,000 Details Certificates and IRA Certificates - $10,000+ Minimum Balance; $10,000+ Minimum Balance to obtain APY; Rates current as of October 29, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 3.92% → 3.87% ▼ 0.05 pts · high 3.92% / low 3.87% Oct 29, 20263.87%▼ from 3.92% Oct 26, 20263.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Certificate - 12 month	3.75%	3.82%	12 month
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to obtain APY: $1,000+; Minimum balance to open: $1,000; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.82% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Certificate - 18 month	3.75%	3.82%	18 month
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to obtain APY: $1,000+; Minimum balance to open: $1,000; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.82% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Certificate - 6 month	3.75%	3.82%	6 month
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to obtain APY: $1,000+; Minimum balance to open: $1,000; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.82% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Certificate - 9 month	3.75%	3.82%	9 month
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to obtain APY: $1,000+; Minimum balance to open: $1,000; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.82% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Certificates and IRA Certificates - 3 month	3.60%	3.67%	3 month
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000+ minimum to obtain APY; Minimum balance to open $100,000 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 3.56% → 3.67% ▲ 0.11 pts · high 3.67% / low 3.56% Oct 29, 20263.67%▲ from 3.61% Oct 26, 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 Certificate	3.55%	3.61%	3 month
Min Deposit $10,000 Min Balance $10,000 Details Certificates and IRA Certificates - $10,000+ Minimum Balance; $10,000+ Minimum Balance to obtain APY; Rates current as of October 29, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 3.67% → 3.61% ▼ 0.06 pts · high 3.67% / low 3.61% Oct 29, 20263.61%▼ from 3.67% Oct 26, 20263.67%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Certificate - 3 month	3.50%	3.56%	3 month
Min Deposit $1,000 Min Balance $1,000 Details Minimum balance to obtain APY: $1,000+; Minimum balance to open: $1,000; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 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; $10.00 minimum balance to obtain APY; Penalty may be imposed for early withdrawal Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 0.25% APY · checked 7 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 Certificate 13 month	5.10%	5.23%	13 month
Min Deposit $100,000 Min Balance $100,000 Details Special; Business Certificates; Minimum balance $100,000+ to obtain APY; Minimum balance to open $100,000 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 5.18% → 5.23% ▲ 0.05 pts · high 5.23% / low 5.18% Oct 19, 20265.23%▲ from 5.18% Oct 13, 20265.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificates - 13 month Special	5.05%	5.18%	13 month
Min Deposit $10,000 Min Balance $10,000 Details Minimum balance to obtain APY $10,000; Minimum balance to open $10,000 Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 4.29% → 5.18% ▲ 0.89 pts · high 5.23% / low 4.29% Oct 29, 20265.18%▲ from 5.13% Oct 26, 20265.13%▼ from 5.23% Oct 13, 20265.23%▲ from 4.29% Sep 14, 20264.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
13 Month Business Certificates	5.00%	5.13%	13 month
Min Deposit $1,000 Min Balance $1,000 Details Special; $1,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $1,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.13% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificate 8 month	4.35%	4.45%	8 month
Min Deposit $100,000 Min Balance $100,000 Details Special; Business Certificates; Minimum balance $100,000+ to obtain APY; Minimum balance to open $100,000 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.39% → 4.45% ▲ 0.06 pts · high 4.45% / low 4.39% Oct 19, 20264.45%▲ from 4.39% Oct 13, 20264.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificates - 8 month Special	4.30%	4.39%	8 month
Min Deposit $10,000 Min Balance $10,000 Details Minimum balance to obtain APY $10,000; Minimum balance to open $10,000 Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 4.03% → 4.39% ▲ 0.36 pts · high 4.45% / low 4.03% Oct 29, 20264.39%▲ from 4.34% Oct 26, 20264.34%▼ from 4.45% Oct 13, 20264.45%▲ from 4.03% Sep 14, 20264.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
8 Month Business Certificates	4.25%	4.34%	8 month
Min Deposit $1,000 Min Balance $1,000 Details Special; $1,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $1,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.34% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificate 24 month	4.10%	4.18%	24 month
Min Deposit $100,000 Min Balance $100,000 Details Business Certificates; Minimum balance $100,000+ to obtain APY; Minimum balance to open $100,000 Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 4.13% → 4.18% ▲ 0.05 pts · high 4.18% / low 4.13% Oct 29, 20264.18%▲ from 4.13% Oct 26, 20264.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificate 36 month	4.10%	4.18%	36 month
Min Deposit $100,000 Min Balance $100,000 Details Business Certificates; Minimum balance $100,000+ to obtain APY; Minimum balance to open $100,000 Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 4.13% → 4.18% ▲ 0.05 pts · high 4.18% / low 4.13% Oct 29, 20264.18%▲ from 4.13% Oct 26, 20264.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificate 48 month	4.10%	4.18%	48 month
Min Deposit $100,000 Min Balance $100,000 Details Business Certificates; Minimum balance $100,000+ to obtain APY; Minimum balance to open $100,000 Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 4.13% → 4.18% ▲ 0.05 pts · high 4.18% / low 4.13% Oct 29, 20264.18%▲ from 4.13% Oct 26, 20264.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificate 60 month	4.10%	4.18%	60 month
Min Deposit $100,000 Min Balance $100,000 Details Business Certificates; Minimum balance $100,000+ to obtain APY; Minimum balance to open $100,000 Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 4.13% → 4.18% ▲ 0.05 pts · high 4.18% / low 4.13% Oct 29, 20264.18%▲ from 4.13% Oct 26, 20264.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificates - 24 month	4.05%	4.13%	24 month
Min Deposit $10,000 Min Balance $10,000 Details Minimum balance to obtain APY $10,000; Minimum balance to open $10,000 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.18% → 4.13% ▼ 0.05 pts · high 4.18% / low 4.13% Oct 29, 20264.13%▼ from 4.18% Oct 13, 20264.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificates - 36 month	4.05%	4.13%	36 month
Min Deposit $10,000 Min Balance $10,000 Details Minimum balance to obtain APY $10,000; Minimum balance to open $10,000 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.18% → 4.13% ▼ 0.05 pts · high 4.18% / low 4.13% Oct 29, 20264.13%▼ from 4.18% Oct 13, 20264.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificates - 48 month	4.05%	4.13%	48 month
Min Deposit $10,000 Min Balance $10,000 Details Minimum balance to obtain APY $10,000; Minimum balance to open $10,000 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.18% → 4.13% ▼ 0.05 pts · high 4.18% / low 4.13% Oct 29, 20264.13%▼ from 4.18% Oct 13, 20264.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificates - 60 month	4.05%	4.13%	60 month
Min Deposit $10,000 Min Balance $10,000 Details Minimum balance to obtain APY $10,000; Minimum balance to open $10,000 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.18% → 4.13% ▼ 0.05 pts · high 4.18% / low 4.13% Oct 29, 20264.13%▼ from 4.18% Oct 13, 20264.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
24 Month Business Certificates	4.00%	4.08%	24 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $1,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 4.08% ▲ 0.78 pts · high 4.08% / low 3.30% Oct 13, 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 Certificates	4.00%	4.08%	36 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $1,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 4.08% ▲ 0.83 pts · high 4.08% / low 3.25% Oct 13, 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 Certificates	4.00%	4.08%	48 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $1,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.15% → 4.08% ▲ 0.93 pts · high 4.08% / low 3.15% Oct 13, 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 Certificates	4.00%	4.08%	60 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $1,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.15% → 4.08% ▲ 0.93 pts · high 4.08% / low 3.15% Oct 13, 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 Certificate 12 month	3.85%	3.92%	12 month
Min Deposit $100,000 Min Balance $100,000 Details Business Certificates; Minimum balance $100,000+ to obtain APY; Minimum balance to open $100,000 Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 3.87% → 3.92% ▲ 0.05 pts · high 3.92% / low 3.87% Oct 29, 20263.92%▲ from 3.87% Oct 26, 20263.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificate 18 month	3.85%	3.92%	18 month
Min Deposit $100,000 Min Balance $100,000 Details Business Certificates; Minimum balance $100,000+ to obtain APY; Minimum balance to open $100,000 Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 3.87% → 3.92% ▲ 0.05 pts · high 3.92% / low 3.87% Oct 29, 20263.92%▲ from 3.87% Oct 26, 20263.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificate 6 month	3.85%	3.92%	6 month
Min Deposit $100,000 Min Balance $100,000 Details Business Certificates; Minimum balance $100,000+ to obtain APY; Minimum balance to open $100,000 Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 3.87% → 3.92% ▲ 0.05 pts · high 3.92% / low 3.87% Oct 29, 20263.92%▲ from 3.87% Oct 26, 20263.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificate 9 month	3.85%	3.92%	9 month
Min Deposit $100,000 Min Balance $100,000 Details Business Certificates; Minimum balance $100,000+ to obtain APY; Minimum balance to open $100,000 Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 3.87% → 3.92% ▲ 0.05 pts · high 3.92% / low 3.87% Oct 29, 20263.92%▲ from 3.87% Oct 26, 20263.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificates - 12 month	3.80%	3.87%	12 month
Min Deposit $10,000 Min Balance $10,000 Details Minimum balance to obtain APY $10,000; Minimum balance to open $10,000 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.92% → 3.87% ▼ 0.05 pts · high 3.92% / low 3.87% Oct 29, 20263.87%▼ from 3.92% Oct 13, 20263.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificates - 18 month	3.80%	3.87%	18 month
Min Deposit $10,000 Min Balance $10,000 Details Minimum balance to obtain APY $10,000; Minimum balance to open $10,000 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.92% → 3.87% ▼ 0.05 pts · high 3.92% / low 3.87% Oct 29, 20263.87%▼ from 3.92% Oct 13, 20263.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificates - 6 month	3.80%	3.87%	6 month
Min Deposit $10,000 Min Balance $10,000 Details Minimum balance to obtain APY $10,000; Minimum balance to open $10,000 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.92% → 3.87% ▼ 0.05 pts · high 3.92% / low 3.87% Oct 29, 20263.87%▼ from 3.92% Oct 13, 20263.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificates - 9 month	3.80%	3.87%	9 month
Min Deposit $10,000 Min Balance $10,000 Details Minimum balance to obtain APY $10,000; Minimum balance to open $10,000 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.92% → 3.87% ▼ 0.05 pts · high 3.92% / low 3.87% Oct 29, 20263.87%▼ from 3.92% Oct 13, 20263.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
12 Month Business Certificates	3.75%	3.82%	12 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $1,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56% Oct 13, 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 Certificates	3.75%	3.82%	18 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $1,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.41% → 3.82% ▲ 0.41 pts · high 3.82% / low 3.41% Oct 13, 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 Certificates	3.75%	3.82%	6 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $1,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56% Oct 13, 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 Certificates	3.75%	3.82%	9 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $1,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56% Oct 13, 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 Certificate 3 month	3.60%	3.67%	3 month
Min Deposit $100,000 Min Balance $100,000 Details Business Certificates; Minimum balance $100,000+ to obtain APY; Minimum balance to open $100,000 Last Updated 10/29/2026 Rate History 1 change since Oct 26, 2026 · 3.61% → 3.67% ▲ 0.06 pts · high 3.67% / low 3.61% Oct 29, 20263.67%▲ from 3.61% Oct 26, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Business Certificates - 3 month	3.55%	3.61%	3 month
Min Deposit $10,000 Min Balance $10,000 Details Minimum balance to obtain APY $10,000; Minimum balance to open $10,000 Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 3.67% → 3.61% ▼ 0.06 pts · high 3.67% / low 3.56% Oct 29, 20263.61%▲ from 3.56% Oct 26, 20263.56%▼ from 3.67% Oct 13, 20263.67%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
3 Month Business Certificates	3.50%	3.56%	3 month
Min Deposit $1,000 Min Balance $1,000 Details $1,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $1,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.56% APY · checked 4 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 is $10.00; Share (Savings) Accounts Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
IRA Savings Account	0.25%	0.25%
Min Deposit $5 Details Share (Savings) Accounts Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 8 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 and over; Share (Savings) Accounts Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 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; Share (Savings) Accounts Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 9 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; Share (Savings) Accounts Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 8 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; Share (Savings) Accounts Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 8 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; Share (Savings) Accounts Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 8 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 and over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 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 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 9 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 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 8 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 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 8 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 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 8 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 Balance: $100,000 and over; Minimum average daily balance to obtain APY each monthly statement cycle; Variable rate account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 9 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; Minimum average daily balance to obtain APY each monthly statement cycle; Variable rate account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 9 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; Minimum average daily balance to obtain APY each monthly statement cycle; Variable rate account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 9 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; Minimum average daily balance to obtain APY each monthly statement cycle; Variable rate account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 9 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; Minimum average daily balance to obtain APY each monthly statement cycle; Variable rate account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 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 and over; Average daily balance to obtain APY each monthly statement cycle Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 9 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; Average daily balance to obtain APY each monthly statement cycle Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 9 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; Average daily balance to obtain APY each monthly statement cycle Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 9 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; Average daily balance to obtain APY each monthly statement cycle Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 9 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; Average daily balance to obtain APY each monthly statement cycle Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%

Del Norte Credit Union Checking Rates

Product	Rate	APY
Express and Star Checking - Star	0.05%	0.05%
Min Balance $1,000 Details Minimum To Earn APY: $1000; Variable rate account; APY uses average daily balance each monthly statement cycle Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Express and Star Checking - Express (Basic)	0.00%	0.00%
Min Balance $0 Details Minimum To Earn APY: $0; Variable rate account; APY uses average daily balance each monthly statement cycle Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Express and Star Checking - Free 4 Me	0.00%	0.00%
Min Balance $0 Details Minimum To Earn APY: $0; Variable rate account; APY uses average daily balance each monthly statement cycle Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%

Del Norte Credit Union Auto Loan Rates

Product	Rate	Points	APR
New and Used Auto Loans - Cars & Trucks - 2024-2027	-	-	3.99%
Details As Low As; Model Year: 2024-2027; APR assumes 36-month term, $20,000 loan, clean title, LTV not to exceed 125%, minimum FICO 760+; $37 processing fee; Electric & Hybrid program discount -0.25% (cannot be combined) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
New and Used Auto Loans - Cars & Trucks - 2023 or older	-	-	5.74%
Details As Low As; Model Year: 2023 or older; APR assumes 36-month term, $20,000 loan, clean title, LTV not to exceed 125%, minimum FICO 760+; $37 processing fee; Electric & Hybrid program discount -0.25% (cannot be combined) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
First Time Buyer Auto Loans - 2024-2027	-	-	11.24%
Details As Low As; Model Year: 2024-2027; Tier 1*: $25,000 max, no luxury brands, 100k max miles, DTI 40%, PTI 15%; helping members with limited or no credit; $37 processing fee Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 11.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
First Time Buyer Auto Loans - 2023 or older	-	-	12.64%
Details As Low As; Model Year: 2023 or older; Tier 1*: $25,000 max, no luxury brands, 100k max miles, DTI 40%, PTI 15%; helping members with limited or no credit; $37 processing fee Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 12.64% APR 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
Powersports Loan	-	7.49%
Details As Low As; Model Year: 2017 - 2027; Eligible Types: Dirtbike, Personal Watercraft, Jet Ski, Snowmobile, ATV/UTV, Side-by-Side, Sportbike, Enduro/Dual Sport, Motorcycles like Harley-Davidson & BMW, Personal Utility Trailers, Horse Trailers w/o Living Quarters, Small Tractors & Equipment; APR assumes 36 months, $10,000 loan amount, clean title, LTV not to exceed 115%, minimum FICO 730+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
RV Loan	-	8.24%
Details As Low As; Model Year: 2017 - 2027; Eligible Types: Travel Trailers, 5th Wheels, Class A, B & C Motor Homes, Pop-Up Tent Trailer, Truck Camper, Toy Hauler, Horse Trailer w/ Living Quarters & Boats; APR assumes term of 120 months, $15,000 loan amount, clean title, LTV not to exceed 115%, minimum FICO 730+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Powersports Loan	-	8.49%
Details As Low As; Model Year: 2016 or older; Model 10+ years old; Eligible Types: Dirtbike, Personal Watercraft, Jet Ski, Snowmobile, ATV/UTV, Side-by-Side, Sportbike, Enduro/Dual Sport, Motorcycles like Harley-Davidson & BMW, Personal Utility Trailers, Horse Trailers w/o Living Quarters, Small Tractors & Equipment; APR assumes 36 months, $10,000 loan amount, clean title, LTV not to exceed 115%, minimum FICO 730+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
RV Loan	-	9.24%
Details As Low As; Model Year: 2016 or older; Eligible Types: Travel Trailers, 5th Wheels, Class A, B & C Motor Homes, Pop-Up Tent Trailer, Truck Camper, Toy Hauler, Horse Trailer w/ Living Quarters & Boats; APR assumes term of 120 months, $15,000 loan amount, clean title, LTV not to exceed 115%, minimum FICO 730+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 4 times 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; Competitive and Straightforward Rates Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 11.74% APR · checked 5 times 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; Personal Loans; APR offered assumes loan amount of $10,000, term of 36 months, minimum FICO score of 730+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 9 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; Personal Loans; Maximum term of 6 months; $20 application fee Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 9 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
Make Your Next Ride Electric Loan	-	-	3.49%
Details As Low As; $100 cash bonus available for purchased vehicles and external refinances only; Offer valid until Nov. 30, 2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.49% APR · checked 3 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 Youth Savings Accounts; Primary Savings; Balance: $5.00 minimum average daily balance to obtain APY; variable rate account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 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 Youth Savings Accounts; Primary Savings; Balance: $5.00 minimum average daily balance to obtain APY; variable rate account Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 7 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

2026 MBR Health & Safety Badge

Del Norte Credit Union earned the Verified Healthy badge

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Customer Reviews

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☆☆☆☆☆

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Frequently Asked Questions About Del Norte Credit Union

Does Del Norte Credit Union offer CDs?

Yes. Del Norte Credit Union current CD rates include its 13 Month CD at 5.18% APY, its 8 Month CD at 4.39% APY and its 24 Month CD at 4.13% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Del Norte Credit Union NCUA insured?

Yes. Del Norte Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Del Norte Credit Union?

The highest Del Norte Credit Union CD rate is its Business CD 13 month at 5.23% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Del Norte Credit Union offer?

Del Norte Credit Union CD rates are 4.39% APY for an 8 month CD, 3.82% APY for a 12 month CD, 5.18% APY for a 13 month CD, 3.82% APY for an 18 month CD, 4.13% APY for a 2 year CD, 4.13% APY for a 3 year CD, 4.13% APY for a 4 year CD and 4.08% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Del Norte Credit Union for its full lineup.

What is the highest savings rate at Del Norte Credit Union?

The highest Del Norte Credit Union savings rate is its Holiday Savings Account at 0.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Del Norte Credit Union?

The highest Del Norte Credit Union money market rate is its Business Money Market at 1.51% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Del Norte Credit Union?

The highest Del Norte Credit Union checking rate is its Express and Star Checking - Star at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Del Norte Credit Union?

The lowest Del Norte Credit Union auto loan rate is its New and Used Auto Loans - Cars & Trucks - 2024-2027 at 3.99% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Del Norte Credit Union?

The lowest Del Norte Credit Union personal loan rate is its Unsecured Personal Loan at 10.49% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Del Norte Credit Union?

The lowest Del Norte Credit Union credit card APR is its Credit Cards at 11.74% APR, verified by MonitorBankRates as of October 29, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Del Norte Credit Union rates compare?

Del Norte Credit Union's CD rates are 51% higher than the MonitorBankRates national average, and it has an A+ health rating. Del Norte Credit Union's top rates are its Business CD 13 month at 5.23% APY, its Holiday Savings Account at 0.25% APY, its Business Money Market at 1.51% APY, its Express and Star Checking - Star at 0.05% APY, its Unsecured Personal Loan at 10.49% APR and its Credit Cards at 11.74% APR, verified by MonitorBankRates on October 29, 2026.

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 November 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 Checking 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

Does Del Norte Credit Union offer CDs?

Are CDs from Del Norte Credit Union NCUA insured?

What is the highest CD rate at Del Norte Credit Union?

What CD terms does Del Norte Credit Union offer?

What is the highest savings rate at Del Norte Credit Union?

What is the highest money market rate at Del Norte Credit Union?

What is the highest checking rate at Del Norte Credit Union?

What is the lowest auto loan rate at Del Norte Credit Union?

What is the lowest personal loan rate at Del Norte Credit Union?

What is the lowest credit card APR at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Del Norte Credit Union rates compare?

Current Del Norte Credit Union Rates

Compare to Other Credit Unions