What are the current interest rates at First National Bank Alamogordo, NM?

Current rates for First National Bank Alamogordo, NM include: 12-Month CD: 3.53%, 18-Month CD: 2.63%, 36-Month CD: 3.53%, 48-Month CD: 3.54%, 60-Month CD: 3.29%, Savings: 0.20%, MMA: 0.10%

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First National Bank Alamogordo, NM

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First National Bank Alamogordo, NM Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First National Bank Alamogordo, NM 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 14, 2026

First National Bank Alamogordo, NM's 29-Months 18-29-Month rates are at 3.80%, 35-Months 30-35-Month rates are at 3.80%, IRA 18-Month rates are at 3.79%, ROTH 18-Month rates are at 3.79%, 17-Months 12-17-Month rates are at 3.55%. First National Bank Alamogordo, NM's savings rates are at 0.20%. First National Bank Alamogordo, NM's money market rates are at 0.10%. MonitorBankRates evaluates the financial stability of First National Bank Alamogordo, NM with a 1.0 Star Rating, an F Overall Health Grade, and a Texas Ratio of 45.80%. Rates last updated and verified on 09/14/2026.

First National Bank Alamogordo, NM 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 First National Bank Alamogordo, NM? Share your experience about First National Bank Alamogordo, NM by leaving a review below, or read customer reviews before you decide to use First National Bank Alamogordo, NM.

Overall Health & Safety Grade

High Risk Health Score: 37/100

MonitorBankRates Rating

1.0

Weak Out of 5.0 Stars

Texas Ratio

45.80%

Fair Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

First National Bank

414 10th St
Alamogordo, NM 88310

https://www.fnb4u.com

First National Bank Alamogordo, NM CD Rates

Product	Rate	APY	Term
18-29 month	3.75%	3.80%	29 Months
Min Deposit $100 Min Balance $100 Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%
30-35 month	3.75%	3.80%	35 Months
Min Deposit $100 Min Balance $100 Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%
IRA 18 Month	3.75%	3.79%	18 Month
Min Deposit $500 Min Balance $500 Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%
ROTH 18 Month	3.75%	3.79%	18 Month
Min Deposit $500 Min Balance $500 Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%
12-17 month	3.50%	3.55%	17 Months
Min Deposit $100 Min Balance $100 Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%
36-47 month	3.50%	3.54%	47 Months
Min Deposit $100 Min Balance $100 Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%
IRA 12 Month	3.50%	3.53%	12 Month
Min Deposit $500 Min Balance $500 Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%
IRA 36 Month	3.50%	3.53%	36 Month
Min Deposit $500 Min Balance $500 Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%
ROTH 12 Month	3.50%	3.53%	12 Month
Min Deposit $500 Min Balance $500 Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%
ROTH 36 Month	3.50%	3.53%	36 Month
Min Deposit $500 Min Balance $500 Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%
30 Month Bump	3.25%	3.29%	30 Month Bump
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%
48-59 month	3.25%	3.29%	59 Months
Min Deposit $100 Min Balance $100 Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%
60 Month Certificate	3.25%	3.29%	60 Months
Min Deposit $100 Min Balance $100 Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%
19 Month No Penalty	2.60%	2.63%	19 Month No Penalty
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%

First National Bank Alamogordo, NM Savings Rates

Product	Rate	APY
Personal Savings	0.25%	0.25%
Min Deposit $100 Min Balance $100 Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%
X-Mas Club Savings	0.25%	0.25%
Min Deposit $10 Min Balance $10 Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%
Business / PF Savings	0.20%	0.20%
Min Deposit $100 Min Balance $100 Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%

First National Bank Alamogordo, NM Checking Rates

Product	Rate	APY
Money Market Personal Checking	0.30%	0.30%
Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%
Money Market Business/PF Checking	0.25%	0.25%
Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%
Money Market Personal Checking	0.25%	0.25%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%
Money Market Business/PF Checking	0.20%	0.20%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%
Money Market Personal Checking	0.20%	0.20%
Min Balance $10,000 Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%
Money Market Business/PF Checking	0.15%	0.15%
Min Balance $10,000 Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%
Money Market Personal Checking	0.15%	0.15%
Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%
Money Market Business/PF Checking	0.10%	0.10%
Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%

First National Bank Alamogordo, NM Other Rates

Product	Rate	Points	APY/APR	Term
180-364 Days	3.50%	-	3.53%	180-364 Days
Min Deposit $100 Min Balance $100 Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%
NOW Account	0.05%	-	0.05%
Min Deposit $2,500 Min Balance $2,500 Details Daily Balance**** $2,500.00 and Up Last Updated 09/14/2026 Institution Ratings 1.0 Star Rating F Health Grade ◈ Texas Ratio: 45.80%

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

Financial Health History

First National Bank Alamogordo, NM’s Texas Ratio rose from 38.20% in Q3 2023 to 45.80% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 1.0 to 1.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$453M	45.80%	1.0	F
March 31, 2026	$465M	21.13%	3.1	C-
December 31, 2025	$470M	20.11%	3.2	C-
September 30, 2025	$458M	18.13%	3.1	C-
June 30, 2025	$458M	24.65%	1.4	F
March 31, 2025	$467M	30.95%	1.0	F
December 31, 2024	$474M	37.84%	1.0	F
September 30, 2024	$487M	21.15%	2.0	F
June 30, 2024	$460M	11.94%	1.0	F
March 31, 2024	$457M	12.77%	1.0	F
December 31, 2023	$478M	14.79%	1.0	F
September 30, 2023	$450M	38.20%	1.0	F

Source: FDIC 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 First National Bank Alamogordo, NM is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First National Bank Alamogordo, NM 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 First National Bank Alamogordo, NM's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First National Bank Alamogordo, NM

Bank Holding Company FIRST ALAMOGORDO BCORP NV INC

Address 414 10th St, Alamogordo, NM 88310 · Otero

Website https://www.fnb4u.com

FDIC Certificate # 17643

Established 19560823

FDIC Insurance Date 19560823

Domestic Offices 6

Total Branches 6

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 37/100

1.0

Weak Out of 5.0 Stars

45.80%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0848%

Return on Equity (ROE) 19.3900%

Non-Performing Loans (NPL) 2.57%

Total Assets $452,824,000

Total Deposits $425,370,000

Equity Capital $25,363,000

Net Income $2,509,000

Headquarters Alamogordo

Total Branches and Offices 6

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About First National Bank Alamogordo, NM

How many branches does First National Bank Alamogordo, NM operate?

First National Bank Alamogordo, NM currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First National Bank Alamogordo, NM 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, First National Bank Alamogordo, NM provides members with tools to manage their accounts and build a solid financial history.

Does First National Bank Alamogordo, NM offer online and mobile banking?

Most modern institutions like First National Bank Alamogordo, NM 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.fnb4u.com.