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New Mexico Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current New Mexico CD rates include ZIA Credit UnionZIA Credit Union1001 Central Ave, Los Alamos, NM 87544A+5.0 ★Texas Ratio: 2.57%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Youth Share Certificate at 5.00% APY, Artesia Credit UnionArtesia Credit Union210 N 5th St, Artesia, NM 88210 2000A+5.0 ★Texas Ratio: 3.31%Real return: +1.78%APY minus CPI (February 2026) offering 24 Month IRA Certificate at 4.58% APY, State Employees Credit UnionState Employees Credit Union813 Saint Michaels Dr, Santa Fe, NM 87505 7607C3.9 ★Texas Ratio: 28.61%Real return: +1.70%APY minus CPI (February 2026) offering 6 Month Share Certificate at 4.50% APY, America First Federal Credit UnionAmerica First Federal Credit Union3400 NM 528 NW, Albuquerque, NM 87114A5.0 ★Texas Ratio: 7.35%Real return: +1.50%APY minus CPI (February 2026) offering 60 Month Certificate at 4.30% APY, and Capra BankCapra Bank400 Tijeras Ave NW, Albuquerque, NM 87102A+5.0 ★Texas Ratio: 0.00%Real return: +1.45%APY minus CPI (February 2026) offering 18-Month Bump-Up CD at 4.25% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in New Mexico side-by-side. New Mexico CD rates currently reach as high as 5.00% APY from ZIA Credit Union at 1001 Central Ave, Los Alamos, NM 87544. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 22, 2026
Compare Best CD Rates in New Mexico
New Mexico 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD2.06% APY▲ 0.02% from last week
The national average 3-month CD rate is 2.06% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
3 Month Business Certificates Minimum Balance
$100,000
3.67%
▲ 1.61% above national avg
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.61% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
3 Month Certificates and IRA Certificates Minimum Balance
$100,000
3.67%
▲ 1.61% above national avg
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.61% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
3 Month Business Certificates Minimum Balance
$10,000
3.61%
▲ 1.55% above national avg
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.55% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
3 Month Certificates and IRA Certificates Minimum Balance
$10,000
3.61%
▲ 1.55% above national avg
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.55% above avg
Details
$10,000+
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
3 Month Business Certificates Minimum Balance
$1,000
3.56%
▲ 1.50% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.50% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
3 Month Certificates and IRA Certificates Minimum Balance
$1,000
3.56%
▲ 1.50% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.50% above avg
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.
Lea County State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.53%
1017 N Turner St, Hobbs, NM 88240
13 Weeks (3 mos)
$50,000
3.51%
▲ 1.45% above national avg
▼
Rate3.45%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.45% above avg
Details
Century Bank Santa Fe, NM
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
322 N Riverside Dr, Espanola, NM 87532
3 Month CD
$5,000
3.50%
▲ 1.44% above national avg
▼
Rate3.45%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.44% above avg
Details
Fixed
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
3-Month Certificate of Deposit
$0
3.40%
▲ 1.34% above national avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.34% above avg
Details
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
3 Month IRA Share Certificate
$500
3.30%
▲ 1.24% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.24% above avg
Details
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
3 Month Share Certificate
$500
3.30%
▲ 1.24% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.24% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
3 Month Term Share/IRA Jumbo Certificates
$0
3.14%
▲ 1.08% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.08% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Term Share/IRA Jumbo Certificates - 3 Months
$0
3.14%
▲ 1.08% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.08% above avg
Details
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
3707 Juan Tabo Blvd NE, Albuquerque, NM 87111
3 Month Term Certificates
$0
3.10%
▲ 1.04% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.04% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
3 Month 1st Certificates
$250
3.04%
▲ 0.98% above national avg
▼
Rate3.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.98% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
3 Month IRA Certificate
$500
3.04%
▲ 0.98% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.98% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
3 Month Kirby Kid Certificates
$500
3.04%
▲ 0.98% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.98% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
3 Month Term Share Certificates (TSC)
$1,000
3.04%
▲ 0.98% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.98% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Kirby Kid Certificates - 3 Month
$500
3.04%
▲ 0.98% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.98% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Term Share Certificates (TSC) - 3 Months
$1,000
3.04%
▲ 0.98% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.98% above avg
Details
Bank 34
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 N Telshor Blvd, Las Cruces, NM 88011
3 Month Certificate
$1,000
3.00%
▲ 0.94% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.94% above avg
Details
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
90 Day Certificate of Deposit
$0
2.52%
▲ 0.46% above national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.46% above avg
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
2514 N Main St, Roswell, NM 88201
3 Month Certificate of Deposit (CD)
$0
2.00%
▼ 0.06% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 0.06% below avg
Details
Century Bank Santa Fe, NM
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
322 N Riverside Dr, Espanola, NM 87532
90 Day Certificate of Deposit
$1,000
1.76%
▼ 0.30% below national avg
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 0.30% below avg
Details
Citizens Bank of Clovis
Institution Rating:
A4.8 ★Texas Ratio: 8.65%
421 Pile St, Clovis, NM 88101
3 Month Certificate
$1,000
1.01%
▼ 1.05% below national avg
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 1.05% below avg
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
4205 N Prince St, Clovis, NM 88101
90 Day IRA Certificate
$100
0.30%
▼ 1.76% below national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 1.76% below avg
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1001 Central Ave, Los Alamos, NM 87544
90 Day IRA/Share Certificate
$0
0.15%
▼ 1.91% below national avg
▼
Rate0.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.91% below avg
Details
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
1124 N Riverside Dr, Espanola, NM 87532
3 Month Business Fixed Rate Certificates of Deposit
$0
0.10%
▼ 1.96% below national avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.96% below avg
Details
$90,000 +
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
1124 N Riverside Dr, Espanola, NM 87532
3 Month Fixed Rate Certificates of Deposit
$0
0.10%
▼ 1.96% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.96% below avg
Details
Balance: $90,000 +
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1001 Central Ave, Los Alamos, NM 87544
90 Day IRA/Share Certificate
$0
0.10%
▼ 1.96% below national avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.96% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
223 S Gold Ave, Deming, NM 88030
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.00% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details
Early withdrawal penalties may apply.
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5915 Wyoming Blvd Ne, Albuquerque, NM 87109
90 Day Standard CD Products
$0
0.06%
▼ 2.00% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details
Balance: Under $100,000
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
223 S Gold Ave, Deming, NM 88030
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
1124 N Riverside Dr, Espanola, NM 87532
3 Month Business Fixed Rate Certificates of Deposit
$0
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
$1,000 +
New Mexico 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.77% APY▲ 0.02% from last week
The national average 6-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Employees Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.61%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
6 Month Share Certificate
$0
4.50%
▲ 1.73% above national avg
▼
Rate4.43%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.73% above avg
Details
Bonus Rate: 5.00%; Early Withdrawal Penalty: 90 Days Interest
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
3707 Juan Tabo Blvd NE, Albuquerque, NM 87111
6 Month Business Term Certificate Promo
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1001 Central Ave, Los Alamos, NM 87544
6 Month IRA/Share Certificate
$0
3.72%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.95% above avg
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
6 Month Business Certificates Minimum Balance
$100,000
3.67%
▲ 0.90% above national avg
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.90% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
6 Month Certificates and IRA Certificates Minimum Balance
$100,000
3.67%
▲ 0.90% above national avg
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.90% above avg
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.
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
614 Alta Vista St, Santa Fe, NM 87505
6-Month F55 Certificate
$500
3.66%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.89% above avg
Details
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
3707 Juan Tabo Blvd NE, Albuquerque, NM 87111
6 Month Term Certificates
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
1850 Wyoming Blvd SE, Albuquerque, NM 87117
6-Month Certificate
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
Lea County State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.53%
1017 N Turner St, Hobbs, NM 88240
26 Weeks (6 mos)
$50,000
3.63%
▲ 0.86% above national avg
▼
Rate3.57%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.86% above avg
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
6 Month Business Certificates Minimum Balance
$10,000
3.61%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.84% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
6 Month Certificates and IRA Certificates Minimum Balance
$10,000
3.61%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.84% above avg
Details
$10,000+
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
6 Month Business Certificates Minimum Balance
$1,000
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.79% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
6 Month Certificates and IRA Certificates Minimum Balance
$1,000
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.79% above avg
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.
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
321 S Main Ave, Aztec, NM 87410 2124
Certificate of Deposit - 6 Months
$0
3.51%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.74% above avg
Details
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
6-Month Certificate of Deposit
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.73% above avg
Details
Bank 34
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 N Telshor Blvd, Las Cruces, NM 88011
6 Month Certificate
$1,000
3.41%
▲ 0.64% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.64% above avg
Details
Sunflower Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
421 N Water St, Las Cruces, NM 88001
6-Month CD Special
$0
3.40%
▲ 0.63% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.63% above avg
Details
Limited Time CD Special
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
6 Month New Share / IRA Certificates
$0
3.40%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.63% above avg
Details
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
New Share / IRA Certificates - 6 months
$0
3.40%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.63% above avg
Details
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
6 Month IRA Share Certificate
$500
3.40%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.63% above avg
Details
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
6 Month Share Certificate
$500
3.40%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.63% above avg
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
6 Month Jumbo Share and IRA Certificate - Loyalty
$0
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.58% above avg
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
6 Month Share and IRA Certificate
$0
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.48% above avg
Details
Loyalty Rate
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
6 Month Term Share/IRA Jumbo Certificates
$0
3.14%
▲ 0.37% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.37% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Term Share/IRA Jumbo Certificates - 6 Months
$0
3.14%
▲ 0.37% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.37% above avg
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
6 Month Jumbo Share and IRA Certificate
$0
3.14%
▲ 0.37% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.37% above avg
Details
State Employees Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.61%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
6 Month Share Certificate
$0
3.14%
▲ 0.37% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.37% above avg
Details
Bonus Rate: 3.64%; EWP: 90 Days Interest
Internationalites Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
901 N Canal St, Carlsbad, NM 88220 5109
6 Month Certificate of Deposit
$1,000
3.04%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.27% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
6 Month 1st Certificates
$250
3.04%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.27% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
6 Month IRA Certificate
$500
3.04%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.27% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
6 Month Kirby Kid Certificates
$500
3.04%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.27% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
6 Month Term Share Certificates (TSC)
$1,000
3.04%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.27% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Kirby Kid Certificates - 6 Month
$500
3.04%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.27% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Term Share Certificates (TSC) - 6 Months
$1,000
3.04%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.27% above avg
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
6 Month Share and IRA Certificate
$0
3.04%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.27% above avg
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
210 N 5th St, Artesia, NM 88210 2000
6 Month Share Certificate
$0
3.04%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.27% above avg
Details
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1584 Highway 264, Tse Bonito, NM 87301
6 Month Certificate
$0
3.00%
▲ 0.23% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.23% above avg
Details
U 1st Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
601 N Canal St, Carlsbad, NM 88220 5805
6 Month Certificates of Deposit
$0
2.78%
▲ 0.01% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.01% above avg
Details
Citizens Bank of Clovis
Institution Rating:
A4.8 ★Texas Ratio: 8.65%
421 Pile St, Clovis, NM 88101
6 Month Certificate
$1,000
2.77%
At national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%At the average
Details
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
6 Month Certificate of Deposit
$0
2.77%
At national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%At the average
Details
Mountain Star Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
210 E Idaho Ave, Las Cruces, NM 88005 3279
6 Month CD
$1,000
2.53%
▼ 0.24% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▼ 0.24% below avg
Details
Rates Effective 12/01/2025. Early withdrawal penalties apply.
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
2514 N Main St, Roswell, NM 88201
6 Month Certificate of Deposit (CD)
$0
2.50%
▼ 0.27% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.27% below avg
Details
LOCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
808 Washington Ave, Alamogordo, NM 88310 5166
6 Month Jumbo Certificate
$0
2.38%
▼ 0.39% below national avg
▼
Rate2.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.39% below avg
Details
Over $100,000
LOCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
808 Washington Ave, Alamogordo, NM 88310 5166
Certificate of Deposit to $99,999.99 - 6 Months
$0
2.27%
▼ 0.50% below national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.50% below avg
Details
$1000
Everyones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
505 E Route 66 Blvd, Tucumcari, NM 88401 3137
6 Month Share Certificates
$0
2.26%
▼ 0.51% below national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.51% below avg
Details
Balance: $50,000.00 & Above
Everyones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
505 E Route 66 Blvd, Tucumcari, NM 88401 3137
6 Month Share Certificates
$0
2.06%
▼ 0.71% below national avg
▼
Rate2.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.71% below avg
Details
Balance: $10,000.00 - $49,999.99
Financial Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1105 W Pierce St, Carlsbad, NM 88220 4014
6 Month Term
$0
2.01%
▼ 0.76% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.76% below avg
Details
Everyones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
505 E Route 66 Blvd, Tucumcari, NM 88401 3137
6 Month Share Certificates
$0
2.00%
▼ 0.77% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.77% below avg
Details
Balance: $500.00 - $9,999.99
Lea County State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.53%
1017 N Turner St, Hobbs, NM 88240
6 Month IRA Certificate
$0
1.51%
▼ 1.26% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.26% below avg
Details
State Employees Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.61%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
6 Month Share Certificate
$0
1.51%
▼ 1.26% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 1.26% below avg
Details
EARLY WITHDRAWAL PENALTY: 90 Days Interest
New Mexico 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.95% APY▲ 0.03% from last week
The national average 12-month CD rate is 2.95% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1001 Central Ave, Los Alamos, NM 87544
12 Month Youth Share Certificate
$0
5.00%
▲ 2.05% above national avg
▼
Rate4.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 2.05% above avg
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
210 N 5th St, Artesia, NM 88210 2000
12 Month IRA Certificate
$0
4.32%
▲ 1.37% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.37% above avg
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
210 N 5th St, Artesia, NM 88210 2000
12 Month Share Certificate
$0
4.32%
▲ 1.37% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.37% above avg
Details
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
12 Month Youth Certificate of Deposit K limit per CD)
$0
4.06%
▲ 1.11% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.11% above avg
Details
$10
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
3707 Juan Tabo Blvd NE, Albuquerque, NM 87111
12 Month Term Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
16 Road 6500, Kirtland, NM 87417
Jumbo Certificate - 1 Year
$100,000
4.00%
▲ 1.05% above national avg
▼
Rate4.00%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
9200 Golf Course Rd NW, Albuquerque, NM 87114 5891
12 Month Certificate
$0
3.90%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details
Mountain Star Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
210 E Idaho Ave, Las Cruces, NM 88005 3279
12 Month CD
$1,000
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 0.87% above avg
Details
Rates Effective 12/01/2025. Early withdrawal penalties apply.
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
321 S Main Ave, Aztec, NM 87410 2124
12 Month CD
$0
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.87% above avg
Details
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
321 S Main Ave, Aztec, NM 87410 2124
Certificate of Deposit - 12 Months
$0
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.87% above avg
Details
Santa Fe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
7101 JEFFERSON ST NE, ALBUQUERQUE, NM 87109 4375
12 Month CD
$0
3.76%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.81% above avg
Details
As High As
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
12-Month Certificate of Deposit
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.80% above avg
Details
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
12-Month IRA Certificate of Deposit
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.80% above avg
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
12 Month Business Certificates Minimum Balance
$100,000
3.67%
▲ 0.72% above national avg
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.72% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
12 Month Certificates and IRA Certificates Minimum Balance
$100,000
3.67%
▲ 0.72% above national avg
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.72% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
12 Month Business Certificates Minimum Balance
$10,000
3.61%
▲ 0.66% above national avg
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.66% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
12 Month Certificates and IRA Certificates Minimum Balance
$10,000
3.61%
▲ 0.66% above national avg
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.66% above avg
Details
$10,000+
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
614 Alta Vista St, Santa Fe, NM 87505
12-Month F55 Certificate
$500
3.56%
▲ 0.61% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.61% above avg
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
12 Month Business Certificates Minimum Balance
$1,000
3.56%
▲ 0.61% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.61% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
12 Month Certificates and IRA Certificates Minimum Balance
$1,000
3.56%
▲ 0.61% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.61% above avg
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.
First National Bank Alamogordo, NM
Institution Rating:
F1.0 ★Texas Ratio: 45.80%
414 10th St, Alamogordo, NM 88310
IRA 12 Month
$500
3.53%
▲ 0.58% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.58% above avg
Details
First National Bank Alamogordo, NM
Institution Rating:
F1.0 ★Texas Ratio: 45.80%
414 10th St, Alamogordo, NM 88310
ROTH 12 Month
$500
3.53%
▲ 0.58% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.58% above avg
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
2514 N Main St, Roswell, NM 88201
12 Month Certificate of Deposit (CD)
$0
3.50%
▲ 0.55% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.55% above avg
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
1 Year Jumbo Share and IRA Certificate - Loyalty
$0
3.45%
▲ 0.50% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.50% above avg
Details
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
12 Month New Share / IRA Certificates
$0
3.45%
▲ 0.50% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.50% above avg
Details
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
New Share / IRA Certificates - 12 months
$0
3.45%
▲ 0.50% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.50% above avg
Details
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
12 Month IRA Share Certificate
$500
3.45%
▲ 0.50% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.50% above avg
Details
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
12 Month Share Certificate
$500
3.45%
▲ 0.50% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.50% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
12 Month Term Share/IRA Jumbo Certificates
$0
3.40%
▲ 0.45% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.45% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Term Share/IRA Jumbo Certificates - 12 Months
$0
3.40%
▲ 0.45% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.45% above avg
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
1 Year Share and IRA Certificate
$0
3.35%
▲ 0.40% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.40% above avg
Details
Loyalty Rate
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
12 Month 1st Certificates
$250
3.30%
▲ 0.35% above national avg
▼
Rate3.25%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.35% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
12 Month IRA Certificate
$500
3.30%
▲ 0.35% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.35% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
12 Month Kirby Kid Certificates
$500
3.30%
▲ 0.35% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.35% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
12 Month Term Share Certificates (TSC)
$1,000
3.30%
▲ 0.35% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.35% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Kirby Kid Certificates - 12 Month
$500
3.30%
▲ 0.35% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.35% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Term Share Certificates (TSC) - 12 Months
$1,000
3.30%
▲ 0.35% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.35% above avg
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
1 Year Jumbo Share and IRA Certificate
$0
3.25%
▲ 0.30% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.30% above avg
Details
State Employees Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.61%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
12 Month Share Certificate
$0
3.25%
▲ 0.30% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.30% above avg
Details
Bonus Rate: 3.75%; Early Withdrawal Penalty: 90 Days Interest
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1584 Highway 264, Tse Bonito, NM 87301
12 Month Certificate
$0
3.20%
▲ 0.25% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.25% above avg
Details
Bank 34
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 N Telshor Blvd, Las Cruces, NM 88011
12 Month Certificate
$1,000
3.16%
▲ 0.21% above national avg
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.21% above avg
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
1 Year Share and IRA Certificate
$0
3.14%
▲ 0.19% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.19% above avg
Details
State Employees Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.61%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
12 Month Share Certificate
$0
3.08%
▲ 0.13% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.13% above avg
Details
Bonus Rate: 3.58%; EWP: 90 Days Interest
Internationalites Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
901 N Canal St, Carlsbad, NM 88220 5109
12 Month Certificate of Deposit
$1,000
3.04%
▲ 0.09% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.09% above avg
Details
U 1st Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
601 N Canal St, Carlsbad, NM 88220 5805
12 Month Certificates of Deposit
$0
3.03%
▲ 0.08% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.08% above avg
Details
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
12 Month Certificate of Deposit
$0
3.03%
▲ 0.08% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.08% above avg
Details
Financial Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1105 W Pierce St, Carlsbad, NM 88220 4014
1 Year Term
$0
3.03%
▲ 0.08% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.08% above avg
Details
Citizens Bank of Clovis
Institution Rating:
A4.8 ★Texas Ratio: 8.65%
421 Pile St, Clovis, NM 88101
1 Year Certificate
$1,000
2.90%
▼ 0.05% below national avg
▼
Rate2.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▼ 0.05% below avg
Details
Century Bank Santa Fe, NM
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
322 N Riverside Dr, Espanola, NM 87532
1 Year Certificate
$1,000
2.78%
▼ 0.17% below national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▼ 0.17% below avg
Details
Century Bank Santa Fe, NM
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
322 N Riverside Dr, Espanola, NM 87532
1 Year Certificate of Deposit
$1,000
2.75%
▼ 0.20% below national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▼ 0.20% below avg
Details
New Mexico 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.82% APY▼ 0.01% from last week
The national average 18-month CD rate is 2.82% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capra Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
400 Tijeras Ave NW, Albuquerque, NM 87102
18-Month Bump-Up CD
$10,000
4.25%
▲ 1.43% above national avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.43% above avg
Details
Bump-Up CD; Available for a limited time only; Allows you to increase your rate once during the term of your CD if Capra's rates increase; Valid for new customers to Capra Bank; Must have or open an active Elevate or Summit checking account to obtain CD Special Offer; Available in Dubuque, Lubbock, Albuquerque, and Boise.
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
18 Month IRA Share Certificate
$500
4.02%
▲ 1.20% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.20% above avg
Details
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
18 Month Share Certificate
$500
4.02%
▲ 1.20% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.20% above avg
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
9200 Golf Course Rd NW, Albuquerque, NM 87114 5891
18 Month Certificate
$0
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.18% above avg
Details
First National Bank Alamogordo, NM
Institution Rating:
F1.0 ★Texas Ratio: 45.80%
414 10th St, Alamogordo, NM 88310
IRA 18 Month
$500
3.79%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.97% above avg
Details
First National Bank Alamogordo, NM
Institution Rating:
F1.0 ★Texas Ratio: 45.80%
414 10th St, Alamogordo, NM 88310
ROTH 18 Month
$500
3.79%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.97% above avg
Details
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
321 S Main Ave, Aztec, NM 87410 2124
Certificate of Deposit - 18 Months
$0
3.61%
▲ 0.79% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.79% above avg
Details
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1584 Highway 264, Tse Bonito, NM 87301
18 Month Certificate
$0
3.60%
▲ 0.78% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.78% above avg
Details
Balance: $1,000 - $150,000
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
18 Month Business Certificates Minimum Balance
$100,000
3.51%
▲ 0.69% above national avg
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.69% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
18 Month Certificates and IRA Certificates Minimum Balance
$100,000
3.51%
▲ 0.69% above national avg
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.69% above avg
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.
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
18-Month Certificate of Deposit
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.68% above avg
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
18 Month Jumbo Share and IRA Certificate - Loyalty
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.68% above avg
Details
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
18 Month New Share / IRA Certificates
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.68% above avg
Details
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
New Share / IRA Certificates - 18 months
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.68% above avg
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
18 Month Business Certificates Minimum Balance
$10,000
3.46%
▲ 0.64% above national avg
▼
Rate3.40%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.64% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
18 Month Certificates and IRA Certificates Minimum Balance
$10,000
3.46%
▲ 0.64% above national avg
▼
Rate3.40%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.64% above avg
Details
$10,000+
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
18 Month Business Certificates Minimum Balance
$1,000
3.41%
▲ 0.59% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.59% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
18 Month Certificates and IRA Certificates Minimum Balance
$1,000
3.41%
▲ 0.59% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.59% above avg
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.
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
18 Month Share and IRA Certificate
$0
3.40%
▲ 0.58% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.58% above avg
Details
Loyalty Rate
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
18 Month Term Share/IRA Jumbo Certificates
$0
3.30%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.48% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Term Share/IRA Jumbo Certificates - 18 Months
$0
3.30%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.48% above avg
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
18 Month Jumbo Share and IRA Certificate
$0
3.30%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.48% above avg
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
2514 N Main St, Roswell, NM 88201
18 Month Certificate of Deposit (CD)
$0
3.25%
▲ 0.43% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.43% above avg
Details
Financial Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1105 W Pierce St, Carlsbad, NM 88220 4014
18 month- Tier 2
$0
3.23%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.41% above avg
Details
Balance: $250,000 and up
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
18 Month 1st Certificates
$250
3.20%
▲ 0.38% above national avg
▼
Rate3.15%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.38% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
18 Month IRA Certificate
$500
3.20%
▲ 0.38% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.38% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
18 Month Kirby Kid Certificates
$500
3.20%
▲ 0.38% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.38% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
18 Month Term Share Certificates (TSC)
$1,000
3.20%
▲ 0.38% above national avg
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.38% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Kirby Kid Certificates - 18 Month
$500
3.20%
▲ 0.38% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.38% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Term Share Certificates (TSC) - 18 Months
$1,000
3.20%
▲ 0.38% above national avg
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.38% above avg
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
18 Month Share and IRA Certificate
$0
3.20%
▲ 0.38% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.38% above avg
Details
Financial Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1105 W Pierce St, Carlsbad, NM 88220 4014
18 month- Tier 1
$0
3.13%
▲ 0.31% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.31% above avg
Details
Balance: $150,000-$249,999.99
Bank 34
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 N Telshor Blvd, Las Cruces, NM 88011
18 Month Certificate
$1,000
3.00%
▲ 0.18% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.18% above avg
Details
Tucumcari Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
301 S 1st St, Tucumcari, NM 88401
Variable IRA- 18 Month
$0
2.84%
▲ 0.02% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.02% above avg
Details
LOCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
808 Washington Ave, Alamogordo, NM 88310 5166
18 Month Jumbo Certificate
$0
2.37%
▼ 0.45% below national avg
▼
Rate2.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▼ 0.45% below avg
Details
Over $100,000
LOCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
808 Washington Ave, Alamogordo, NM 88310 5166
Certificate of Deposit to $99,999.99 - 18 Months
$0
2.27%
▼ 0.55% below national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▼ 0.55% below avg
Details
$1000
Jemez Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM 87025 0120
18-Month IRA Certificates
$1,000
1.51%
▼ 1.31% below national avg
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▼ 1.31% below avg
Details
Jemez Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM 87025 0120
18-Month Share Certificate
$1,000
1.51%
▼ 1.31% below national avg
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▼ 1.31% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5915 Wyoming Blvd Ne, Albuquerque, NM 87109
18 Month IRA CD
$0
1.50%
▼ 1.32% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.32% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5915 Wyoming Blvd Ne, Albuquerque, NM 87109
18 Month Standard CD Products
$0
1.50%
▼ 1.32% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.32% below avg
Details
Balance: Under $100,000
First National Bank in Trinidad
Institution Rating:
A-4.4 ★Texas Ratio: 8.33%
1246 S 2nd St, Raton, NM 87740
18 Month CD
$1,000
0.60%
▼ 2.22% below national avg
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▼ 2.22% below avg
Details
On Deposits up to $100,000
First National Bank in Trinidad
Institution Rating:
A-4.4 ★Texas Ratio: 8.33%
1246 S 2nd St, Raton, NM 87740
18 Month Jumbo CD
$100,000
0.60%
▼ 2.22% below national avg
▼
Rate0.60%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▼ 2.22% below avg
Details
On Deposits $100,000 and over
First National Bank in Trinidad
Institution Rating:
A-4.4 ★Texas Ratio: 8.33%
1246 S 2nd St, Raton, NM 87740
IRA 18 Month CD
$5,000
0.60%
▼ 2.22% below national avg
▼
Rate0.60%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▼ 2.22% below avg
Details
Fixed Rate; On Deposits up to $100,000
First National Bank in Trinidad
Institution Rating:
A-4.4 ★Texas Ratio: 8.33%
1246 S 2nd St, Raton, NM 87740
Jumbo IRA 18 Month CD
$100,000
0.60%
▼ 2.22% below national avg
▼
Rate0.60%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▼ 2.22% below avg
Details
Fixed Rate; On Deposits $100,000 and Over
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1001 Central Ave, Los Alamos, NM 87544
18 Month IRA/Share Certificate
$0
0.45%
▼ 2.37% below national avg
▼
Rate0.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▼ 2.37% below avg
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1001 Central Ave, Los Alamos, NM 87544
18 Month IRA/Share Certificate
$0
0.35%
▼ 2.47% below national avg
▼
Rate0.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▼ 2.47% below avg
Details
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
7300 Jefferson St Ne, Albuquerque, NM 87109
18 Month Certificate of Deposit
$500
0.02%
▼ 2.80% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 2.80% below avg
Details
New Mexico 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.84% APYUnchanged from last week
The national average 24-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
210 N 5th St, Artesia, NM 88210 2000
24 Month IRA Certificate
$0
4.58%
▲ 1.74% above national avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.74% above avg
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1001 Central Ave, Los Alamos, NM 87544
24 Month IRA/Share Certificate
$0
4.29%
▲ 1.45% above national avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.45% above avg
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
9200 Golf Course Rd NW, Albuquerque, NM 87114 5891
24 Month Certificate
$0
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.41% above avg
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
210 N 5th St, Artesia, NM 88210 2000
24 Month Share Certificate
$0
4.16%
▲ 1.32% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.32% above avg
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
3105 Del Rey Blvd, Las Cruces, NM 88012
2 Year Certificate
$100,000
4.15%
▲ 1.31% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.31% above avg
Details
Promotion is for a limited time on a 2-year share certificate (Consumer and Business) with a $100,000 minimum deposit.
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
3707 Juan Tabo Blvd NE, Albuquerque, NM 87111
24 Month Term Certificates
$0
4.11%
▲ 1.27% above national avg
▼
Rate4.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.27% above avg
Details
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
321 S Main Ave, Aztec, NM 87410 2124
24 Month CD
$0
3.61%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.77% above avg
Details
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
321 S Main Ave, Aztec, NM 87410 2124
Certificate of Deposit - 24 Months
$0
3.61%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.77% above avg
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
2 Year Jumbo Share and IRA Certificate - Loyalty
$0
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.72% above avg
Details
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
24 Month New Share / IRA Certificates
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.71% above avg
Details
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
New Share / IRA Certificates - 24 months
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.71% above avg
Details
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
24 Month IRA Share Certificate
$500
3.51%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.67% above avg
Details
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
24 Month Share Certificate
$500
3.51%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.67% above avg
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
2 Year Share and IRA Certificate
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.61% above avg
Details
Loyalty Rate
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
24 Month Business Certificates Minimum Balance
$100,000
3.41%
▲ 0.57% above national avg
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.57% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
24 Month Certificates and IRA Certificates Minimum Balance
$100,000
3.41%
▲ 0.57% above national avg
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.57% above avg
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.
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
614 Alta Vista St, Santa Fe, NM 87505
24-Month F55 Certificate
$500
3.40%
▲ 0.56% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.56% above avg
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
2 Year Jumbo Share and IRA Certificate
$0
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.51% above avg
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
2514 N Main St, Roswell, NM 88201
24 Month Certificate of Deposit (CD)
$0
3.35%
▲ 0.51% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.51% above avg
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
24 Month Business Certificates Minimum Balance
$10,000
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.51% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
24 Month Certificates and IRA Certificates Minimum Balance
$10,000
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.51% above avg
Details
$10,000+
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
24 Month Term Share/IRA Jumbo Certificates
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.46% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Term Share/IRA Jumbo Certificates - 24 Months
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.46% above avg
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
24 Month Business Certificates Minimum Balance
$1,000
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.46% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
24 Month Certificates and IRA Certificates Minimum Balance
$1,000
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.46% above avg
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.
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
24 Month Certificate of Deposit
$0
3.29%
▲ 0.45% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.45% above avg
Details
Financial Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1105 W Pierce St, Carlsbad, NM 88220 4014
2 Year Term
$0
3.29%
▲ 0.45% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.45% above avg
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
2 Year Share and IRA Certificate
$0
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.41% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
24 Month 1st Certificates
$250
3.20%
▲ 0.36% above national avg
▼
Rate3.15%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.36% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
24 Month IRA Certificate
$500
3.20%
▲ 0.36% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.36% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
24 Month Kirby Kid Certificates
$500
3.20%
▲ 0.36% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.36% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
24 Month Term Share Certificates (TSC)
$1,000
3.20%
▲ 0.36% above national avg
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.36% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Kirby Kid Certificates - 24 Month
$500
3.20%
▲ 0.36% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.36% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Term Share Certificates (TSC) - 24 Months
$1,000
3.20%
▲ 0.36% above national avg
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.36% above avg
Details
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1584 Highway 264, Tse Bonito, NM 87301
24 Month Certificate
$0
3.20%
▲ 0.36% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.36% above avg
Details
Mountain Star Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
210 E Idaho Ave, Las Cruces, NM 88005 3279
24 Month CD
$1,000
3.05%
▲ 0.21% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 0.21% above avg
Details
Rates Effective 12/01/2025. Early withdrawal penalties apply.
Citizens Bank of Clovis
Institution Rating:
A4.8 ★Texas Ratio: 8.65%
421 Pile St, Clovis, NM 88101
24 Month Time Deposit
$1,000
2.79%
▼ 0.05% below national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.05% below avg
Details
Term: 24 Month Time Deposit
State Employees Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.61%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
24 Month Share Certificate
$0
2.75%
▼ 0.09% below national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.09% below avg
Details
Bonus Rate: 3.25%; EWP: 180 Days Interest
Citizens Bank of Clovis
Institution Rating:
A4.8 ★Texas Ratio: 8.65%
421 Pile St, Clovis, NM 88101
1 1/2 Year (Compounded Monthly)
$1,000
2.53%
▼ 0.31% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.31% below avg
Details
Term: 1 1/2 Year (Compounded Monthly)
Century Bank Santa Fe, NM
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
322 N Riverside Dr, Espanola, NM 87532
2 Year Certificate
$1,000
2.52%
▼ 0.32% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.32% below avg
Details
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
24-Month Certificate of Deposit
$0
2.50%
▼ 0.34% below national avg
▼
Rate2.48%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.34% below avg
Details
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
24-Month IRA Certificate of Deposit
$0
2.50%
▼ 0.34% below national avg
▼
Rate2.48%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.34% below avg
Details
Century Bank Santa Fe, NM
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
322 N Riverside Dr, Espanola, NM 87532
2 Year Certificate of Deposit
$1,000
2.50%
▼ 0.34% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.34% below avg
Details
Bank 34
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 N Telshor Blvd, Las Cruces, NM 88011
24 Month Certificate
$1,000
2.50%
▼ 0.34% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.34% below avg
Details
LOCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
808 Washington Ave, Alamogordo, NM 88310 5166
24 Month Jumbo Certificate
$0
2.37%
▼ 0.47% below national avg
▼
Rate2.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.47% below avg
Details
Over $100,000
LOCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
808 Washington Ave, Alamogordo, NM 88310 5166
Certificate of Deposit to $99,999.99 - 24 Months
$0
2.27%
▼ 0.57% below national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.57% below avg
Details
$1000
State Employees Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.61%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
24 Month Share Certificate
$0
2.12%
▼ 0.72% below national avg
▼
Rate2.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.72% below avg
Details
EARLY WITHDRAWAL PENALTY: 180 Days Interest
Lea County State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.53%
1017 N Turner St, Hobbs, NM 88240
24 Month IRA Certificate
$0
2.02%
▼ 0.82% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.82% below avg
Details
The Florist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
313 W Country Club Rd Ste 11, ROSWELL, NM 88201 5804
24 Month CD
$0
2.01%
▼ 0.83% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.83% below avg
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
16 Road 6500, Kirtland, NM 87417
IRA Certificate - 2 Year
$500
2.00%
▼ 0.84% below national avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.84% below avg
Details
New Mexico 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.76% APYUnchanged from last week
The national average 36-month CD rate is 2.76% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
3 Year Jumbo Share and IRA Certificate - Loyalty
$0
3.67%
▲ 0.91% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.91% above avg
Details
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
3707 Juan Tabo Blvd NE, Albuquerque, NM 87111
36 Month Term Certificates
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.89% above avg
Details
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
36 Month New Share / IRA Certificates
$0
3.60%
▲ 0.84% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.84% above avg
Details
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
New Share / IRA Certificates - 36 months
$0
3.60%
▲ 0.84% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.84% above avg
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
3 Year Share and IRA Certificate
$0
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.80% above avg
Details
Loyalty Rate
First National Bank Alamogordo, NM
Institution Rating:
F1.0 ★Texas Ratio: 45.80%
414 10th St, Alamogordo, NM 88310
IRA 36 Month
$500
3.53%
▲ 0.77% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.77% above avg
Details
First National Bank Alamogordo, NM
Institution Rating:
F1.0 ★Texas Ratio: 45.80%
414 10th St, Alamogordo, NM 88310
ROTH 36 Month
$500
3.53%
▲ 0.77% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.77% above avg
Details
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
321 S Main Ave, Aztec, NM 87410 2124
Certificate of Deposit - 36 Months
$0
3.51%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.75% above avg
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
2514 N Main St, Roswell, NM 88201
36 Month Certificate of Deposit (CD)
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.74% above avg
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
210 N 5th St, Artesia, NM 88210 2000
36 Month Share Certificate
$0
3.49%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.73% above avg
Details
Santa Fe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
7101 JEFFERSON ST NE, ALBUQUERQUE, NM 87109 4375
6 - 36 Month CDs
$500
3.45%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.69% above avg
Details
Our highest dividends
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
614 Alta Vista St, Santa Fe, NM 87505
36-Month F55 Certificate
$500
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.69% above avg
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
3 Year Jumbo Share and IRA Certificate
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.69% above avg
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
36 Month Business Certificates Minimum Balance
$100,000
3.41%
▲ 0.65% above national avg
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.65% above avg
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.
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
36 Month IRA Share Certificate
$500
3.40%
▲ 0.64% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.64% above avg
Details
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
36 Month Share Certificate
$500
3.40%
▲ 0.64% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.64% above avg
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
3 Year Share and IRA Certificate
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.59% above avg
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
36 Month Certificates and IRA Certificates Minimum Balance
$100,000
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.59% above avg
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.
Financial Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1105 W Pierce St, Carlsbad, NM 88220 4014
3 Year Term
$0
3.34%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.58% above avg
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
36 Month Business Certificates Minimum Balance
$10,000
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.54% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
36 Month Certificates and IRA Certificates Minimum Balance
$10,000
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.54% above avg
Details
$10,000+
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
36 Month Certificate of Deposit
$0
3.29%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.53% above avg
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
36 Month Business Certificates Minimum Balance
$1,000
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
36 Month Certificates and IRA Certificates Minimum Balance
$1,000
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
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.
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
36 Month Term Share/IRA Jumbo Certificates
$0
3.09%
▲ 0.33% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.33% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Term Share/IRA Jumbo Certificates - 36 Months
$0
3.09%
▲ 0.33% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.33% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
36 Month 1st Certificates
$250
2.99%
▲ 0.23% above national avg
▼
Rate2.95%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.23% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
36 Month IRA Certificate
$500
2.99%
▲ 0.23% above national avg
▼
Rate2.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.23% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
36 Month Kirby Kid Certificates
$500
2.99%
▲ 0.23% above national avg
▼
Rate2.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.23% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
36 Month Term Share Certificates (TSC)
$1,000
2.99%
▲ 0.23% above national avg
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.23% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Kirby Kid Certificates - 36 Month
$500
2.99%
▲ 0.23% above national avg
▼
Rate2.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.23% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Term Share Certificates (TSC) - 36 Months
$1,000
2.99%
▲ 0.23% above national avg
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.23% above avg
Details
State Employees Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.61%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
36 Month Share Certificate
$0
2.90%
▲ 0.14% above national avg
▼
Rate2.87%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.14% above avg
Details
Bonus Rate: 3.40%; Early Withdrawal Penalty: 180 Days Interest
Citizens Bank of Clovis
Institution Rating:
A4.8 ★Texas Ratio: 8.65%
421 Pile St, Clovis, NM 88101
36 Month Time Deposit
$1,000
2.63%
▼ 0.13% below national avg
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.13% below avg
Details
Term: 36 Month Time Deposit
State Employees Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.61%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
36 Month Share Certificate
$0
2.57%
▼ 0.19% below national avg
▼
Rate2.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.19% below avg
Details
Bonus Rate: 3.07%; EWP: 180 Days Interest
Mountain Star Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
210 E Idaho Ave, Las Cruces, NM 88005 3279
36 Month CD
$1,000
2.53%
▼ 0.23% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.76%▼ 0.23% below avg
Details
Rates Effective 12/01/2025. Early withdrawal penalties apply.
Bank 34
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 N Telshor Blvd, Las Cruces, NM 88011
36 Month Certificate
$1,000
2.50%
▼ 0.26% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.26% below avg
Details
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1584 Highway 264, Tse Bonito, NM 87301
36 Month Certificate
$0
2.50%
▼ 0.26% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.26% below avg
Details
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
36-Month Certificate of Deposit
$0
2.38%
▼ 0.38% below national avg
▼
Rate2.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 0.38% below avg
Details
Lea County State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.53%
1017 N Turner St, Hobbs, NM 88240
36 Month IRA Certificate
$0
2.27%
▼ 0.49% below national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 0.49% below avg
Details
State Employees Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.61%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
36 Month Share Certificate
$0
2.22%
▼ 0.54% below national avg
▼
Rate2.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.54% below avg
Details
EARLY WITHDRAWAL PENALTY: 180 Days Interest
LOCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
808 Washington Ave, Alamogordo, NM 88310 5166
36 Month Jumbo Certificate
$0
2.12%
▼ 0.64% below national avg
▼
Rate2.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.64% below avg
Details
Over $100,000
Century Bank Santa Fe, NM
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
322 N Riverside Dr, Espanola, NM 87532
3 Year Certificate of Deposit
$1,000
2.02%
▼ 0.74% below national avg
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.74% below avg
Details
Jemez Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM 87025 0120
36-Month IRA Certificate
$1,000
2.02%
▼ 0.74% below national avg
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.74% below avg
Details
Jemez Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM 87025 0120
36-Month Share Certificate
$1,000
2.02%
▼ 0.74% below national avg
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.74% below avg
Details
LOCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
808 Washington Ave, Alamogordo, NM 88310 5166
Certificate of Deposit to $99,999.99 - 36 Months
$0
2.02%
▼ 0.74% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.74% below avg
Details
$1000
The Florist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
313 W Country Club Rd Ste 11, ROSWELL, NM 88201 5804
36 Month CD
$0
2.01%
▼ 0.75% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 0.75% below avg
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
16 Road 6500, Kirtland, NM 87417
Jumbo Certificate - 3 Year
$25,000
2.00%
▼ 0.76% below national avg
▼
Rate2.00%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 0.76% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5915 Wyoming Blvd Ne, Albuquerque, NM 87109
3 Year IRA CD
$0
1.50%
▼ 1.26% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.26% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5915 Wyoming Blvd Ne, Albuquerque, NM 87109
3 Year Standard CD Products
$0
1.50%
▼ 1.26% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.26% below avg
Details
Balance: Under $100,000
New Mexico 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.77% APY▼ 0.01% from last week
The national average 48-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
4 Year Jumbo Share and IRA Certificate - Loyalty
$0
3.72%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.95% above avg
Details
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
48 Month New Share / IRA Certificates
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.88% above avg
Details
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
New Share / IRA Certificates - 48 months
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.88% above avg
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
4 Year Share and IRA Certificate
$0
3.61%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.84% above avg
Details
Loyalty Rate
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
3707 Juan Tabo Blvd NE, Albuquerque, NM 87111
48 Month Term Certificates
$0
3.51%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.74% above avg
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
4 Year Jumbo Share and IRA Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.73% above avg
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
210 N 5th St, Artesia, NM 88210 2000
48 Month Share Certificate
$0
3.49%
▲ 0.72% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.72% above avg
Details
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
321 S Main Ave, Aztec, NM 87410 2124
Certificate of Deposit - 48 Months
$0
3.40%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.63% above avg
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
4 Year Share and IRA Certificate
$0
3.40%
▲ 0.63% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.63% above avg
Details
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
48 Month IRA Share Certificate
$500
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.58% above avg
Details
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
48 Month Share Certificate
$500
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.58% above avg
Details
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
48 Month Certificate of Deposit
$0
3.29%
▲ 0.52% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.52% above avg
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
48 Month Business Certificates Minimum Balance
$100,000
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.48% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
48 Month Certificates and IRA Certificates Minimum Balance
$100,000
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.48% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
48 Month Business Certificates Minimum Balance
$10,000
3.20%
▲ 0.43% above national avg
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.43% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
48 Month Certificates and IRA Certificates Minimum Balance
$10,000
3.20%
▲ 0.43% above national avg
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.43% above avg
Details
$10,000+
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
48 Month Business Certificates Minimum Balance
$1,000
3.15%
▲ 0.38% above national avg
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.38% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
48 Month Certificates and IRA Certificates Minimum Balance
$1,000
3.15%
▲ 0.38% above national avg
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.38% above avg
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.
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
48 Month Term Share/IRA Jumbo Certificates
$0
3.14%
▲ 0.37% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.37% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Term Share/IRA Jumbo Certificates - 48 Months
$0
3.14%
▲ 0.37% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.37% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
48 Month 1st Certificates
$250
3.04%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.27% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
48 Month IRA Certificate
$500
3.04%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.27% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
48 Month Kirby Kid Certificates
$500
3.04%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.27% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
48 Month Term Share Certificates (TSC)
$1,000
3.04%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.27% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Kirby Kid Certificates - 48 Month
$500
3.04%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.27% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Term Share Certificates (TSC) - 48 Months
$1,000
3.04%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.27% above avg
Details
State Employees Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.61%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
48 Month Share Certificate
$0
3.00%
▲ 0.23% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.23% above avg
Details
Bonus Rate: 3.50%; Early Withdrawal Penalty: 270 Days Interest
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
614 Alta Vista St, Santa Fe, NM 87505
48-Month F55 Certificate
$500
2.84%
▲ 0.07% above national avg
▼
Rate2.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.07% above avg
Details
Citizens Bank of Clovis
Institution Rating:
A4.8 ★Texas Ratio: 8.65%
421 Pile St, Clovis, NM 88101
48 Month Time Deposit
$1,000
2.53%
▼ 0.24% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.24% below avg
Details
Term: 48 Month Time Deposit
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
48-Month Certificate of Deposit
$0
2.50%
▼ 0.27% below national avg
▼
Rate2.48%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 0.27% below avg
Details
Bank 34
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 N Telshor Blvd, Las Cruces, NM 88011
48 Month Certificate
$1,000
2.50%
▼ 0.27% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.27% below avg
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
16 Road 6500, Kirtland, NM 87417
Jumbo Certificate - 4 Year
$25,000
2.50%
▼ 0.27% below national avg
▼
Rate2.50%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.27% below avg
Details
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1584 Highway 264, Tse Bonito, NM 87301
48 Month Certificate
$0
2.50%
▼ 0.27% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.27% below avg
Details
State Employees Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.61%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
48 Month Share Certificate
$0
2.37%
▼ 0.40% below national avg
▼
Rate2.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.40% below avg
Details
Bonus Rate: 2.87%; EWP: 270 Days Interest
Lea County State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.53%
1017 N Turner St, Hobbs, NM 88240
48 Month IRA Certificate
$0
2.32%
▼ 0.45% below national avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 0.45% below avg
Details
State Employees Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.61%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
48 Month Share Certificate
$0
2.32%
▼ 0.45% below national avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.45% below avg
Details
EARLY WITHDRAWAL PENALTY: 270 Days Interest
LOCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
808 Washington Ave, Alamogordo, NM 88310 5166
48 Month Jumbo Certificate
$0
2.12%
▼ 0.65% below national avg
▼
Rate2.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.65% below avg
Details
Over $100,000
Century Bank Santa Fe, NM
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
322 N Riverside Dr, Espanola, NM 87532
4 Year Certificate
$1,000
2.02%
▼ 0.75% below national avg
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.75% below avg
Details
LOCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
808 Washington Ave, Alamogordo, NM 88310 5166
Certificate of Deposit to $99,999.99 - 48 Months
$0
2.02%
▼ 0.75% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.75% below avg
Details
$1000
The Florist Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
313 W Country Club Rd Ste 11, ROSWELL, NM 88201 5804
48 Month CD
$0
2.01%
▼ 0.76% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.76% below avg
Details
Century Bank Santa Fe, NM
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
322 N Riverside Dr, Espanola, NM 87532
4 Year Certificate of Deposit
$1,000
2.00%
▼ 0.77% below national avg
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.77% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5915 Wyoming Blvd Ne, Albuquerque, NM 87109
4 Year IRA CD
$0
1.50%
▼ 1.27% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.27% below avg
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
5915 Wyoming Blvd Ne, Albuquerque, NM 87109
4 Year Standard CD Products
$0
1.50%
▼ 1.27% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.27% below avg
Details
Balance: Under $100,000
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
4205 N Prince St, Clovis, NM 88101
48 Month Share Certificate
$1,000
1.40%
▼ 1.37% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 1.37% below avg
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1001 Central Ave, Los Alamos, NM 87544
48 Month IRA/Share Certificate
$0
0.80%
▼ 1.97% below national avg
▼
Rate0.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 1.97% below avg
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1001 Central Ave, Los Alamos, NM 87544
48 Month IRA/Share Certificate
$0
0.70%
▼ 2.07% below national avg
▼
Rate0.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 2.07% below avg
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1001 Central Ave, Los Alamos, NM 87544
48 Month IRA/Share Certificate
$0
0.60%
▼ 2.17% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 2.17% below avg
Details
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
7300 Jefferson St Ne, Albuquerque, NM 87109
4 Year Certificate of Deposit
$500
0.15%
▼ 2.62% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.62% below avg
Details
New Mexico 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.84% APY▼ 0.01% from last week
The national average 60-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
3400 NM 528 NW, Albuquerque, NM 87114
60 Month Certificate
$500
4.30%
▲ 1.46% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
3400 NM 528 NW, Albuquerque, NM 87114
60 Month Flexible Certificate
$500
4.30%
▲ 1.46% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
3400 NM 528 NW, Albuquerque, NM 87114
60 Month Regular CD
$500
4.30%
▲ 1.46% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
3400 NM 528 NW, Albuquerque, NM 87114
60 Month Regular Certificate Accounts
$500
4.30%
▲ 1.46% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.46% above avg
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
9200 Golf Course Rd NW, Albuquerque, NM 87114 5891
60 Month Certificate
$0
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.41% above avg
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
3400 NM 528 NW, Albuquerque, NM 87114
60 Month Bump-Rate Certificate Accounts
$500
4.15%
▲ 1.31% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.31% above avg
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
3400 NM 528 NW, Albuquerque, NM 87114
60 Month Certificate
$500
4.15%
▲ 1.31% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.31% above avg
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
5 Year Jumbo Share and IRA Certificate - Loyalty
$0
3.77%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.93% above avg
Details
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
60 Month New Share / IRA Certificates
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.86% above avg
Details
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
New Share / IRA Certificates - 60 months
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.86% above avg
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
5 Year Share and IRA Certificate
$0
3.67%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.83% above avg
Details
Loyalty Rate
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
3707 Juan Tabo Blvd NE, Albuquerque, NM 87111
60 Month Term Certificates
$0
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.72% above avg
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
5 Year Jumbo Share and IRA Certificate
$0
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.72% above avg
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
210 N 5th St, Artesia, NM 88210 2000
60 Month Share Certificate
$0
3.49%
▲ 0.65% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.65% above avg
Details
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2220 N DAL PASO St, HOBBS, NM 88240 3048
60 Month IRA Certificate
$100,000
3.46%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.62% above avg
Details
Jumbo Certificates over $100,000; Early withdrawal penalty may apply.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2220 N DAL PASO St, HOBBS, NM 88240 3048
60 Month Jumbo Certificate
$100,000
3.46%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.62% above avg
Details
Jumbo Certificates over $100,000 . Minimum $1,000 Share Certificate & 1,000 IRA** Certificate . Early withdrawal penalty may apply.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2220 N DAL PASO St, HOBBS, NM 88240 3048
60 Month Share Certificate
$100,000
3.46%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.62% above avg
Details
Jumbo Certificates over $100,000; Early withdrawal penalty may apply.
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.33%
2755 N Main St, Las Cruces, NM 88001 1149
5 Year Share and IRA Certificate
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.61% above avg
Details
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2220 N DAL PASO St, HOBBS, NM 88240 3048
60 Month IRA Certificate
$1,000
3.36%
▲ 0.52% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.52% above avg
Details
Minimum Balance: $1,000 - $99,999.99; Early withdrawal penalty may apply.
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2220 N DAL PASO St, HOBBS, NM 88240 3048
60 Month Share Certificate
$1,000
3.36%
▲ 0.52% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.52% above avg
Details
Minimum Balance: $1,000 - $99,999.99; Early withdrawal penalty may apply.
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
60 Month IRA Share Certificate
$500
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.51% above avg
Details
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
60 Month Share Certificate
$500
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.51% above avg
Details
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
321 S Main Ave, Aztec, NM 87410 2124
Certificate of Deposit - 60 Months
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.46% above avg
Details
First National Bank Alamogordo, NM
Institution Rating:
F1.0 ★Texas Ratio: 45.80%
414 10th St, Alamogordo, NM 88310
60 Month Certificate
$100
3.29%
▲ 0.45% above national avg
▼
Rate3.25%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.45% above avg
Details
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
60 Month Certificate of Deposit
$0
3.29%
▲ 0.45% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.45% above avg
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
60 Month Business Certificates Minimum Balance
$100,000
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.41% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
60 Month Certificates and IRA Certificates Minimum Balance
$100,000
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.41% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
60 Month Business Certificates Minimum Balance
$10,000
3.20%
▲ 0.36% above national avg
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.36% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
60 Month Certificates and IRA Certificates Minimum Balance
$10,000
3.20%
▲ 0.36% above national avg
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.36% above avg
Details
$10,000+
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
60 Month Business Certificates Minimum Balance
$1,000
3.15%
▲ 0.31% above national avg
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.31% above avg
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.
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
3286 Cerrillos Rd, Santa Fe, NM 87507
60 Month Certificates and IRA Certificates Minimum Balance
$1,000
3.15%
▲ 0.31% above national avg
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.31% above avg
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.
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
60 Month Term Share/IRA Jumbo Certificates
$0
3.14%
▲ 0.30% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.30% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Term Share/IRA Jumbo Certificates - 60 Months
$0
3.14%
▲ 0.30% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.30% above avg
Details
State Employees Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.61%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
60 Month Share Certificate
$0
3.10%
▲ 0.26% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.26% above avg
Details
Bonus Rate: 3.60%; Early Withdrawal Penalty: 270 Days Interest
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
60 Month 1st Certificates
$250
3.04%
▲ 0.20% above national avg
▼
Rate3.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.20% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
60 Month IRA Certificate
$500
3.04%
▲ 0.20% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.20% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
60 Month Kirby Kid Certificates
$500
3.04%
▲ 0.20% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.20% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
60 Month Term Share Certificates (TSC)
$1,000
3.04%
▲ 0.20% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.20% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Kirby Kid Certificates - 60 Month
$500
3.04%
▲ 0.20% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.20% above avg
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.35%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Term Share Certificates (TSC) - 60 Months
$1,000
3.04%
▲ 0.20% above national avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.20% above avg
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
16 Road 6500, Kirtland, NM 87417
IRA Certificate - 5 Year
$500
3.00%
▲ 0.16% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.16% above avg
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
16 Road 6500, Kirtland, NM 87417
Jumbo Certificate - 5 Year
$25,000
3.00%
▲ 0.16% above national avg
▼
Rate3.00%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.16% above avg
Details
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
614 Alta Vista St, Santa Fe, NM 87505
60-Month F55 Certificate
$500
2.94%
▲ 0.10% above national avg
▼
Rate2.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.10% above avg
Details
State Employees Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.61%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
60 Month Share Certificate
$0
2.60%
▼ 0.24% below national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.24% below avg
Details
Bonus Rate: 3.10%; EWP: 270 Days Interest
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
60-Month Certificate of Deposit
$0
2.50%
▼ 0.34% below national avg
▼
Rate2.48%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.34% below avg
Details
Bank 34
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 N Telshor Blvd, Las Cruces, NM 88011
60 Month Certificate
$1,000
2.50%
▼ 0.34% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.34% below avg
Details
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1584 Highway 264, Tse Bonito, NM 87301
60 Month Certificate
$0
2.50%
▼ 0.34% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.34% below avg
Details
Lea County State Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.53%
1017 N Turner St, Hobbs, NM 88240
60 Month IRA Certificate
$0
2.42%
▼ 0.42% below national avg
▼
Rate2.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.42% below avg
Details
State Employees Credit Union
Institution Rating:
C3.9 ★Texas Ratio: 28.61%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
60 Month Share Certificate
$0
2.42%
▼ 0.42% below national avg
▼
Rate2.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.42% below avg
Details
EARLY WITHDRAWAL PENALTY: 270 Days Interest
LOCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
808 Washington Ave, Alamogordo, NM 88310 5166
60 Month Jumbo Certificate
$0
2.12%
▼ 0.72% below national avg
▼
Rate2.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.72% below avg
Details
Over $100,000
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
New Mexico CD Rate Trends
Compare local New Mexico CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD NM Avg
2.952%
▲ 0.030 vs 7 days ago
New Mexico 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD NM Avg
2.767%
▲ 0.021 vs 7 days ago
New Mexico 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
NM CD Rate Forecast, Next 12 Months
Where are New Mexico CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NM 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%
Powered by
MonitorBankRates
What Your Savings Earn at NM CD Rates Today
Annual interest earnings at today’s New Mexico average APYs. State average used where available; national average as fallback.
| CD Term | NM Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026. | |||||
Sample CD Ladder for New Mexico Savers
$25,000 split equally across 5 terms using today’s New Mexico average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | NM Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/yr | |
Ladder example uses equal $5,000 rungs and New Mexico average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
409
CD Rates
Tracked in New Mexico
Tracked in New Mexico
16 Banks
28 Credit Unions
About Our New Mexico CD Rate Database
MonitorBankRates tracks 409 CD rates from 16 banks and 28 credit unions with locations in New Mexico, plus national online institutions available to New Mexico residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: ZIA Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in New Mexico.
How to Find the Best CD Rates in New Mexico
What to compare when shopping for a CD in New Mexico
To find the best APYs in New Mexico, start with credit unions and online-only banks: New Mexico has 28 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in New Mexico
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in New Mexico: 44 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare New Mexico savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare New Mexico money market rates
New Mexico Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
19.3%
National avg: 17.3%
Median Individual Earnings
$38,408
National avg: $47,340
Poverty Rate
17.8%
National avg: 11.1%
Unemployment Rate
5.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$113/yr
At NM 12-mo avg 2.952% APY
19.3% of residents are 65 or older, in line with the national average of 17.3%. At today’s NM 12-month CD average of 2.952%, saving 10% of the local median salary ($3,840/year) and putting it in a CD would earn an additional $113 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in New Mexico
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in New Mexico
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in New Mexico typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in New Mexico as everywhere in the U.S.
Choosing a CD Term in New Mexico
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give New Mexico savers easier access to their funds. For example, State Employees Credit Union is offering its 6 Month Share Certificate at 4.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, America First Federal Credit Union is offering its 60 Month Certificate at 4.30% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for New Mexico Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a New Mexico saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in New Mexico
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the New Mexico CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in New Mexico
Most CDs carry a fixed rate that is locked for the entire term, protecting a New Mexico depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in New Mexico
Are CD rates in New Mexico FDIC insured?
Yes, most established banks in New Mexico are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in New Mexico?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in New Mexico.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in New Mexico may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in New Mexico?
Here are recent top rates found for this area:
- ZIA Credit Union: 5.00% APY (12 Month Youth Share Certificate)
- Artesia Credit Union: 4.58% APY (24 Month IRA Certificate)
- State Employees Credit Union: 4.50% APY (6 Month Share Certificate)
- America First Federal Credit Union: 4.30% APY (60 Month Certificate)
- Capra Bank: 4.25% APY (18-Month Bump-Up CD)
- Mountain America Federal Credit Union: 4.25% APY (24 Month Certificate)
- FIRSTLIGHT: 4.15% APY (2 Year Certificate)
- Sunward: 4.11% APY (24 Month Term Certificates)
- Los Alamos Schools Credit Union: 4.06% APY (12 Month Youth Certificate of Deposit K limit per CD))
- Rio Grande Credit Union: 4.02% APY (18 Month IRA Share Certificate)
Rates reflect recent verified offers available in New Mexico. Last Updated: September 22, 2026
New Mexico CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current New Mexico rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
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Ending Balance
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Matures
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Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for New Mexico
New Mexico CD Calculator
At today’s NM top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
New Mexico CD LadderNM CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a New Mexico CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsNew Mexico’s average 12-month CD is 2.952% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New Mexico CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for New Mexico directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in New Mexico. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in NM.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 22, 2026
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