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CD Rate Trends

New Mexico Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

New Mexico CD rates range from 0.01% to 5.12% APY, verified by MonitorBankRates as of October 13, 2026. Current New Mexico CD rates include Northern New Mexico School Employees Federal Credit UnionNorthern New Mexico School Employees Federal Credit Union614 Alta Vista St, Santa Fe, NM 87505A+5.0 ★Texas Ratio: 3.64%Real return: +2.32%APY minus CPI (February 2026) offering 24-Month Share Certificate SPECIAL RATE at 5.12% APY, ZIA Credit UnionZIA Credit Union1001 Central Ave, Los Alamos, NM 87544A+5.0 ★Texas Ratio: 3.13%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Youth Share Certificate at 5.00% APY, Rio Grande Credit UnionRio Grande Credit Union301 Rio Bravo Blvd SE, Albuquerque, NM 87105A+5.0 ★Texas Ratio: 5.38%Real return: +1.74%APY minus CPI (February 2026) offering 18 Month IRA Share Certificates at 4.54% APY, Mountain America Federal Credit UnionMountain America Federal Credit Union9200 Golf Course Rd NW, Albuquerque, NM 87114 5891A5.0 ★Texas Ratio: 9.78%Real return: +1.70%APY minus CPI (February 2026) offering 24 Month Certificate at 4.50% APY, and America First Federal Credit UnionAmerica First Federal Credit Union3400 NM 528 NW, Albuquerque, NM 87114A5.0 ★Texas Ratio: 8.33%Real return: +1.70%APY minus CPI (February 2026) offering 60 Month Certificate Account at 4.50% APY. CD rates as of October 13, 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 5.12% APY from Northern New Mexico School Employees Federal Credit Union at 614 Alta Vista St, Santa Fe, NM 87505. 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: October 13, 2026

Compare Best CD Rates in New Mexico

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New Mexico 3 Month CD Rates

MonitorBankRates New Mexico Average · 3 Month CD1.97% APYUnchanged from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in New Mexico is 1.97% APY, compared with 2.09% nationally, as of October 13, 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
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
709 Pile St, Clovis, NM 88101
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 1.88% above New Mexico avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
New Mexico Average1.97%▲ 1.88% above avgNationally 2.09%
Details

Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 13, 2026
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
3 Month Certificates and IRA Certificates
$100,000
3.67% ▲ 1.70% above New Mexico avg
View
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average1.97%▲ 1.70% above avgNationally 2.09%
Details

Balance: $100,000+ Minimum Balance to obtain APY

Rate History
No change since Oct 9, 2026 · 3.67% APY · checked 2 times
3.17%3.67%4.17%Oct 9, 2026: 3.67% APYOct 9, 2026Oct 13, 2026
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
Business Certificates - 3 month
$100,000
3.67% ▲ 1.70% above New Mexico avg
View
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average1.97%▲ 1.70% above avgNationally 2.09%
Details

$100,000+ Minimum Balance to obtain APY; Penalty may be imposed for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 3.56% → 3.67% ▲ 0.11 pts · high 3.67% / low 3.56%
3.06%3.62%4.17%Sep 14, 2026: 3.56% APYOct 9, 2026: 3.61% APYOct 13, 2026: 3.67% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.67%▲ from 3.61%
  • Oct 9, 20263.61%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
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
3.65% ▲ 1.68% above New Mexico avg
View
▼
Rate3.60%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average1.97%▲ 1.68% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 14, 2026: 3.50% APYSep 24, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20263.65%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
3 Month Business Certificates
$10,000
3.61% ▲ 1.64% above New Mexico avg
View
▼
Rate3.55%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average1.97%▲ 1.64% above avgNationally 2.09%
Details

Balance: $10,000+ minimum balance to obtain APY; Minimum balance to open $10,000

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.61% ▲ 0.05 pts · high 3.61% / low 3.56%
3.06%3.59%4.11%Sep 14, 2026: 3.56% APYOct 13, 2026: 3.61% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.61%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
3 Month Certificates and IRA Certificates
$10,000
3.61% ▲ 1.64% above New Mexico avg
View
▼
Rate3.55%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average1.97%▲ 1.64% above avgNationally 2.09%
Details

$10,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $10,000

Rate History
No change since Oct 9, 2026 · 3.61% APY · checked 2 times
3.11%3.61%4.11%Oct 9, 2026: 3.61% APYOct 9, 2026Oct 13, 2026
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
3 Month Business Certificates
$1,000
3.56% ▲ 1.59% above New Mexico avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average1.97%▲ 1.59% above avgNationally 2.09%
Details

Balance: $1,000+ minimum to obtain APY; Minimum balance to open $1,000

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
3 Month Certificates and IRA Certificates
$1,000
3.56% ▲ 1.59% above New Mexico avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average1.97%▲ 1.59% above avgNationally 2.09%
Details

Balance: $1,000+ minimum balance to obtain APY; Minimum Balance to Open of $1,000; Early withdrawal penalty may apply

Rate History
No change since Oct 9, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 9, 2026: 3.56% APYOct 9, 2026Oct 13, 2026
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
3-Month Certificate of Deposit
$1,000
3.40% ▲ 1.43% above New Mexico avg
View
▼
Rate3.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Mexico Average1.97%▲ 1.43% above avgNationally 2.09%
Details

Balances Over $1,000

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 13, 2026
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
3 Month IRA Share Certificates
$500
3.30% ▲ 1.33% above New Mexico avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average1.97%▲ 1.33% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
3 Month Share Certificates
$500
3.30% ▲ 1.33% above New Mexico avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average1.97%▲ 1.33% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
4100 Pan American FWY NE, Albuquerque, NM 87107
IRA Certificates - 3-Month
$0
3.20% ▲ 1.23% above New Mexico avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average1.97%▲ 1.23% above avgNationally 2.09%
Details

IRA

Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 25, 2026: 3.20% APYSep 25, 2026Oct 13, 2026
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
4100 Pan American FWY NE, Albuquerque, NM 87107
Share Certificate - 3-Month
$0
3.20% ▲ 1.23% above New Mexico avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average1.97%▲ 1.23% above avgNationally 2.09%
Details

Regular

Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 25, 2026: 3.20% APYSep 25, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
3 Month Term Share/IRA Jumbo Certificates
$0
3.14% ▲ 1.17% above New Mexico avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average1.97%▲ 1.17% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 5 times
2.64%3.14%3.64%Sep 14, 2026: 3.14% APYSep 14, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3707 Juan Tabo Blvd NE, Albuquerque, NM 87111
3 Month Term Certificates
$0
3.10% ▲ 1.13% above New Mexico avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average1.97%▲ 1.13% above avgNationally 2.09%
Details

Dividend Rate 3.06%; APY if dividends are not withdrawn during the term

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
4170 Northrise, Las Cruces, NM 88011
3 Month Boost Term Share
$500
3.04% ▲ 1.07% above New Mexico avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average1.97%▲ 1.07% above avgNationally 2.09%
Details

Rate History
1 change since Sep 25, 2026 · 2.79% → 3.04% ▲ 0.25 pts · high 3.04% / low 2.79%
2.29%2.92%3.54%Sep 25, 2026: 2.79% APYOct 4, 2026: 3.04% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20263.04%▲ from 2.79%
  • Sep 25, 20262.79%first recorded
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
1st Certificates - 3 Month
$250
3.04% ▲ 1.07% above New Mexico avg
View
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average1.97%▲ 1.07% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
3 Month IRA Certificate
$500
3.04% ▲ 1.07% above New Mexico avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average1.97%▲ 1.07% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
3 Month Kirby Kid Certificates
$500
3.04% ▲ 1.07% above New Mexico avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average1.97%▲ 1.07% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
3 Month Term Share Certificates (TSC)
$1,000
3.04% ▲ 1.07% above New Mexico avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average1.97%▲ 1.07% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 13, 2026
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
220 N Telshor Blvd, Las Cruces, NM 88011
3 Month Certificate
$1,000
3.00% ▲ 1.03% above New Mexico avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average1.97%▲ 1.03% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
90 Day Certificate of Deposit
$500
2.52% ▲ 0.55% above New Mexico avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average1.97%▲ 0.55% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 3 times
2.02%2.52%3.02%Sep 14, 2026: 2.52% APYSep 14, 2026Oct 13, 2026
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
2514 N Main St, Roswell, NM 88201
Certificate of Deposit (CD) - 3 Months
$0
2.00% ▲ 0.03% above New Mexico avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average1.97%▲ 0.03% above avgNationally 2.09%
Details

Early Withdrawal Penalty: 90 Days

Rate History
No change since Oct 12, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 12, 2026: 2.00% APYOct 12, 2026Oct 13, 2026
Century Bank Santa Fe, NM
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
322 N Riverside Dr, Espanola, NM 87532
90 Day Certificate
$1,000
1.90% ▼ 0.07% below New Mexico avg
View
▼
Rate1.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average1.97%▼ 0.07% below avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 1.90% APY · checked 5 times
1.40%1.90%2.40%Sep 24, 2026: 1.90% APYSep 24, 2026Oct 13, 2026
Citizens Bank of Clovis
Institution Rating:
A4.8 ★Texas Ratio: 8.65%
421 Pile St, Clovis, NM 88101
3 Month Certificate of Deposit
$1,000
1.01% ▼ 0.96% below New Mexico avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average1.97%▼ 0.96% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 1.01% APY · checked 2 times
0.51%1.01%1.51%Oct 8, 2026: 1.01% APYOct 8, 2026Oct 13, 2026
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
4205 N Prince St, Clovis, NM 88101
IRA 90 Day Certificate
$0
0.30% ▼ 1.67% below New Mexico avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average1.97%▼ 1.67% below avgNationally 2.09%
Details

Rate History
No change since Sep 12, 2026 · 0.30% APY · checked 5 times
0.00%0.40%0.80%Sep 12, 2026: 0.30% APYSep 12, 2026Oct 13, 2026
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
1001 Central Ave, Los Alamos, NM 87544
IRA/Share Certificate - 90 Days
$0
0.15% ▼ 1.82% below New Mexico avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average1.97%▼ 1.82% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
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% ▼ 1.87% below New Mexico avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average1.97%▼ 1.87% below avgNationally 2.09%
Details

Balance: $90,000 +

Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 13, 2026
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% ▼ 1.87% below New Mexico avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average1.97%▼ 1.87% below avgNationally 2.09%
Details

Balance: $90,000 +

Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 13, 2026
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
1001 Central Ave, Los Alamos, NM 87544
IRA/Share Certificate 90 Days
$0
0.10% ▼ 1.87% below New Mexico avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average1.97%▼ 1.87% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
223 S Gold Ave, Deming, NM 88030
3 month Standard Fixed Rate
$2,500
0.06% ▼ 1.91% below New Mexico avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average1.97%▼ 1.91% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
223 S Gold Ave, Deming, NM 88030
3 month Standard Interest Rate
$2,500
0.06% ▼ 1.91% below New Mexico avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average1.97%▼ 1.91% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5915 Wyoming Blvd Ne, Albuquerque, NM 87109
90 Day Certificate
$0
0.06% ▼ 1.91% below New Mexico avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average1.97%▼ 1.91% below avgNationally 2.09%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
223 S Gold Ave, Deming, NM 88030
3 month Standard Fixed Rate
$2,500
0.05% ▼ 1.92% below New Mexico avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average1.97%▼ 1.92% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
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% ▼ 1.92% below New Mexico avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average1.97%▼ 1.92% below avgNationally 2.09%
Details

Balance: $1,000 - $90,000

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
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
0.05% ▼ 1.92% below New Mexico avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average1.97%▼ 1.92% below avgNationally 2.09%
Details

Balance: $1,000 +

Rate History
1 change since Sep 24, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05%
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYOct 7, 2026: 0.05% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20260.05%▼ from 0.10%
  • Sep 24, 20260.10%first recorded
US Eagle Federal Credit Union
Institution Rating:
F2.6 ★Texas Ratio: 44.42%
3939 Osuna Rd NE, Albuquerque, NM 87109 4431
3 Month Share Certificate
$0
0.05% ▼ 1.92% below New Mexico avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average1.97%▼ 1.92% below avgNationally 2.09%
Details

Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 25, 2026: 0.05% APYSep 25, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
201 N Church St, Las Cruces, NM 88001
3 Month IRA Certificates
$0
0.05% ▼ 1.92% below New Mexico avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average1.97%▼ 1.92% below avgNationally 2.09%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 6, 2026: 0.05% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
201 N Church St, Las Cruces, NM 88001
3 Month Standard CD
$0
0.05% ▼ 1.92% below New Mexico avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average1.97%▼ 1.92% below avgNationally 2.09%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1710 Sudderth Dr, Ruidoso, NM 88345
3 Month Certificate of Deposit
$0
0.03% ▼ 1.94% below New Mexico avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average1.97%▼ 1.94% below avgNationally 2.09%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1710 Sudderth Dr, Ruidoso, NM 88345
3 Month Certificate of Deposit
$0
0.02% ▼ 1.95% below New Mexico avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average1.97%▼ 1.95% below avgNationally 2.09%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1710 Sudderth Dr, Ruidoso, NM 88345
3 Month Certificate of Deposit
$0
0.01% ▼ 1.96% below New Mexico avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average1.97%▼ 1.96% below avgNationally 2.09%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 13, 2026

New Mexico 6 Month CD Rates

MonitorBankRates New Mexico Average · 6 Month CD2.72% APY▲ 0.04% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in New Mexico is 2.72% APY, compared with 2.78% nationally, as of October 13, 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:
C+4.1 ★Texas Ratio: 26.01%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Share Certificates - 6 Month
$0
4.50% ▲ 1.78% above New Mexico avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.72%▲ 1.78% above avgNationally 2.78%
Details

Bonus Rate: 5.00%; Early Withdrawal Penalty: 90 Days Interest; Bonus conditions: Active Checking Account +0.10%, Full Direct Deposit +0.10%, Active SECU Credit Card +0.10%, Active Consumer Loan +0.10%, Current Mortgage +0.10%

Rate History
2 changes since Sep 14, 2026 · 4.50% → 4.50% ▼ 0.00 pts · high 4.50% / low 3.14%
1.78%3.82%5.86%Sep 14, 2026: 4.50% APYOct 9, 2026: 3.14% APYOct 13, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.50%▲ from 3.14%
  • Oct 9, 20263.14%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3707 Juan Tabo Blvd NE, Albuquerque, NM 87111
6 Month Business Term Certificate Promo
$0
4.00% ▲ 1.28% above New Mexico avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 1.28% above avgNationally 2.78%
Details

Dividend Rate 3.93%; APY if dividends are not withdrawn during the term; Business members

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
6 Month Certificates and IRA Certificates
$100,000
3.92% ▲ 1.20% above New Mexico avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.72%▲ 1.20% above avgNationally 2.78%
Details

Balance: $100,000+ Minimum Balance to obtain APY

Rate History
No change since Oct 9, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 9, 2026: 3.92% APYOct 9, 2026Oct 13, 2026
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
Business Certificates - 6 month
$100,000
3.92% ▲ 1.20% above New Mexico avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.72%▲ 1.20% above avgNationally 2.78%
Details

$100,000+ Minimum Balance to obtain APY; Penalty may be imposed for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 3.56% → 3.92% ▲ 0.36 pts · high 3.92% / low 3.56%
3.06%3.74%4.42%Sep 14, 2026: 3.56% APYOct 9, 2026: 3.87% APYOct 13, 2026: 3.92% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.92%▲ from 3.87%
  • Oct 9, 20263.87%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
6 Month Business Certificates
$10,000
3.87% ▲ 1.15% above New Mexico avg
View
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.72%▲ 1.15% above avgNationally 2.78%
Details

Balance: $10,000+ minimum balance to obtain APY; Minimum balance to open $10,000

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.87% ▲ 0.31 pts · high 3.87% / low 3.56%
3.06%3.72%4.37%Sep 14, 2026: 3.56% APYOct 13, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.87%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
6 Month Certificates and IRA Certificates
$10,000
3.87% ▲ 1.15% above New Mexico avg
View
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.72%▲ 1.15% above avgNationally 2.78%
Details

$10,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $10,000

Rate History
No change since Oct 9, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 9, 2026: 3.87% APYOct 9, 2026Oct 13, 2026
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
4170 Northrise, Las Cruces, NM 88011
6 Month Boost Term Share
$500
3.82% ▲ 1.10% above New Mexico avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 1.10% above avgNationally 2.78%
Details

Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 25, 2026: 3.82% APYSep 25, 2026Oct 13, 2026
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
6 Month Business Certificates
$1,000
3.82% ▲ 1.10% above New Mexico avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.72%▲ 1.10% above avgNationally 2.78%
Details

Balance: $1,000+ minimum to obtain APY; Minimum balance to open $1,000

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
3.06%3.69%4.32%Sep 14, 2026: 3.56% APYOct 13, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.82%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
6 Month Certificates and IRA Certificates
$1,000
3.82% ▲ 1.10% above New Mexico avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.72%▲ 1.10% above avgNationally 2.78%
Details

Balance: $1,000+ minimum balance to obtain APY; Minimum Balance to Open of $1,000; Early withdrawal penalty may apply

Rate History
No change since Oct 9, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 9, 2026: 3.82% APYOct 9, 2026Oct 13, 2026
Railroad Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
300 N 6th St, Belen, NM 87002
Term Share Account - 6 Month
$1,000
3.80% ▲ 1.08% above New Mexico avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.72%▲ 1.08% above avgNationally 2.78%
Details

Early withdrawal penalty: 90 Days interest on amount withdrawn; Fixed rate dividends

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
7300 Jefferson St Ne, Albuquerque, NM 87109
6-Month CD
$0
3.75% ▲ 1.03% above New Mexico avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.72%▲ 1.03% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
7300 Jefferson St Ne, Albuquerque, NM 87109
6-Month Term
$1,000
3.75% ▲ 1.03% above New Mexico avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.72%▲ 1.03% above avgNationally 2.78%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
1001 Central Ave, Los Alamos, NM 87544
IRA/Share Certificate 6 Months
$0
3.72% ▲ 1.00% above New Mexico avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.72%▲ 1.00% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.72% APY · checked 4 times
3.22%3.72%4.22%Sep 14, 2026: 3.72% APYSep 14, 2026Oct 13, 2026
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
614 Alta Vista St, Santa Fe, NM 87505
6-Month Share Certificate
$500
3.65% ▲ 0.93% above New Mexico avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.93% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 8, 2026: 3.65% APYOct 8, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3707 Juan Tabo Blvd NE, Albuquerque, NM 87111
6 Month Term Certificates
$0
3.65% ▲ 0.93% above New Mexico avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.93% above avgNationally 2.78%
Details

Dividend Rate 3.59%; APY if dividends are not withdrawn during the term

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
1850 Wyoming Blvd SE, Albuquerque, NM 87117
6-Month Certificate
$0
3.65% ▲ 0.93% above New Mexico avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.72%▲ 0.93% above avgNationally 2.78%
Details

APY of; Today's Rates section

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 9 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
6 Month Share Certificate - Bonus Rate
$0
3.60% ▲ 0.88% above New Mexico avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.72%▲ 0.88% above avgNationally 2.78%
Details

Relationship bonus rate (membership rate bonus conditions apply); Early Withdrawal Penalty: 90 Days Interest

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 13, 2026
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
321 S Main Ave, Aztec, NM 87410 2124
Certificate of Deposit - 6 Months
$0
3.51% ▲ 0.79% above New Mexico avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.72%▲ 0.79% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 18, 2026 · 3.51% → 3.51% ▲ 0.00 pts · high 3.51% / low 3.51%
3.01%3.51%4.01%Sep 18, 2026: 3.51% APYSep 22, 2026: 3.51% APYOct 1, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.51%▲ from 3.51%
  • Sep 22, 20263.51%▼ from 3.51%
  • Sep 18, 20263.51%first recorded
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
6-Month Certificate of Deposit
$1,000
3.50% ▲ 0.78% above New Mexico avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Mexico Average2.72%▲ 0.78% above avgNationally 2.78%
Details

Balances Over $1,000

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
220 N Telshor Blvd, Las Cruces, NM 88011
6 Month Certificate
$1,000
3.41% ▲ 0.69% above New Mexico avg
View
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.69% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.41% APY · checked 7 times
2.91%3.41%3.91%Sep 14, 2026: 3.41% APYSep 14, 2026Oct 13, 2026
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
New Share / IRA Certificates - 6 months
$0
3.40% ▲ 0.68% above New Mexico avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.68% above avgNationally 2.78%
Details

Effective August 21, 2026; Early withdrawal penalties apply

Rate History
No change since Oct 12, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 12, 2026: 3.40% APYOct 12, 2026Oct 13, 2026
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
Share / IRA Certificate - 6 months
$1,000
3.40% ▲ 0.68% above New Mexico avg
View
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.68% above avgNationally 2.78%
Details

Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.35%; Early withdrawal penalties apply

Rate History
No change since Oct 12, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 12, 2026: 3.40% APYOct 12, 2026Oct 13, 2026
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
6 Month IRA Share Certificates
$500
3.40% ▲ 0.68% above New Mexico avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.72%▲ 0.68% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
6 Month Share Certificates
$500
3.40% ▲ 0.68% above New Mexico avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.72%▲ 0.68% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
Jumbo Share and IRA Certificate - 6 Month - Loyalty
$25,000
3.35% ▲ 0.63% above New Mexico avg
View
▼
Rate3.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.63% above avgNationally 2.78%
Details

Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate

Rate History
No change since Sep 17, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Sep 17, 2026: 3.35% APYSep 17, 2026Oct 13, 2026
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
4100 Pan American FWY NE, Albuquerque, NM 87107
IRA Certificates - 6-Month
$0
3.25% ▲ 0.53% above New Mexico avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.53% above avgNationally 2.78%
Details

IRA

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 13, 2026
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
4100 Pan American FWY NE, Albuquerque, NM 87107
Share Certificate - 6-Month
$0
3.25% ▲ 0.53% above New Mexico avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.53% above avgNationally 2.78%
Details

Regular

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 13, 2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
6 Month Share and IRA Certificate - Loyalty
$1,000
3.25% ▲ 0.53% above New Mexico avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.53% above avgNationally 2.78%
Details

Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $1,000

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 13, 2026
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
300 N Main St, Clovis, NM 88101
6-month IRA
$100
3.14% ▲ 0.42% above New Mexico avg
View
▼
Rate3.10%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.72%▲ 0.42% above avgNationally 2.78%
Details

Other Fee(s) / Penalties: 1 month interest on amount withdrawn

Rate History
No change since Sep 30, 2026 · 3.14% APY · checked 4 times
2.64%3.14%3.64%Sep 30, 2026: 3.14% APYSep 30, 2026Oct 13, 2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
Jumbo Share and IRA Certificate - 6 Month
$25,000
3.14% ▲ 0.42% above New Mexico avg
View
▼
Rate3.10%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.42% above avgNationally 2.78%
Details

Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate

Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 3 times
2.64%3.14%3.64%Sep 14, 2026: 3.14% APYSep 14, 2026Oct 13, 2026
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Share Certificate - 6 Month
$0
3.14% ▲ 0.42% above New Mexico avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.72%▲ 0.42% above avgNationally 2.78%
Details

Early withdrawal penalty: 90 Days Interest; Quarterly dividends

Rate History
1 change since Sep 14, 2026 · 1.51% → 3.14% ▲ 1.63 pts · high 3.14% / low 1.51%
0.00%2.39%4.77%Sep 14, 2026: 1.51% APYOct 13, 2026: 3.14% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.14%▲ from 1.51%
  • Sep 14, 20261.51%first recorded
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
6 Month Term Share/IRA Jumbo Certificates
$0
3.14% ▲ 0.42% above New Mexico avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.72%▲ 0.42% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 5 times
2.64%3.14%3.64%Sep 14, 2026: 3.14% APYSep 14, 2026Oct 13, 2026
Internationalites Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
901 N Canal St, Carlsbad, NM 88220 5109
Certificates of Deposit - 6 Month
$1,000
3.04% ▲ 0.32% above New Mexico avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.32% above avgNationally 2.78%
Details

Effective Date: February 28, 2023

Rate History
No change since Sep 12, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 12, 2026: 3.04% APYSep 12, 2026Oct 13, 2026
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
300 N Main St, Clovis, NM 88101
6-month CD
$5,000
3.04% ▲ 0.32% above New Mexico avg
View
▼
Rate3.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.72%▲ 0.32% above avgNationally 2.78%
Details

Other Fee(s) / Early Withdrawal Penalties: 1 month interest on amount withdrawn

Rate History
No change since Sep 30, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 30, 2026: 3.04% APYSep 30, 2026Oct 13, 2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
6 Month Share and IRA Certificate
$1,000
3.04% ▲ 0.32% above New Mexico avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.32% above avgNationally 2.78%
Details

Regular share and IRA certificate; Minimum required deposit $1,000

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 6 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 13, 2026
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
210 N 5th St, Artesia, NM 88210 2000
Share Certificates - 6 month
$5,000
3.04% ▲ 0.32% above New Mexico avg
View
▼
Rate3.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.72%▲ 0.32% above avgNationally 2.78%
Details

Dividend Rate: 3.00%; Early Withdrawal Penalty- 90 Days; Dividend rates effective April 1, 2025; Certificates which are automatically renewed will receive the rate in effect on the renewal date

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 2 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
1st Certificates - 6 Month
$250
3.04% ▲ 0.32% above New Mexico avg
View
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.72%▲ 0.32% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
6 Month IRA Certificate
$500
3.04% ▲ 0.32% above New Mexico avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.72%▲ 0.32% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
6 Month Kirby Kid Certificates
$500
3.04% ▲ 0.32% above New Mexico avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.72%▲ 0.32% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
6 Month Term Share Certificates (TSC)
$1,000
3.04% ▲ 0.32% above New Mexico avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.72%▲ 0.32% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 13, 2026
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1584 Highway 264, Tse Bonito, NM 87301
6 Month Term Share Certificates
$500
3.00% ▲ 0.28% above New Mexico avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.72%▲ 0.28% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1375 E Boutz Rd, Las Cruces, NM 88001 5305
6 Month Share Certificates
$500
2.78% ▲ 0.06% above New Mexico avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.06% above avgNationally 2.78%
Details

Rate History
No change since Sep 25, 2026 · 2.78% APY · checked 3 times
2.28%2.78%3.28%Sep 25, 2026: 2.78% APYSep 25, 2026Oct 13, 2026
U 1st Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
601 N Canal St, Carlsbad, NM 88220 5805
6 Month Certificates of Deposit
$1,000
2.78% ▲ 0.06% above New Mexico avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.06% above avgNationally 2.78%
Details

Maximum amount accepted $250,000.00

Rate History
No change since Sep 21, 2026 · 2.78% APY · checked 4 times
2.28%2.78%3.28%Sep 21, 2026: 2.78% APYSep 21, 2026Oct 13, 2026
Citizens Bank of Clovis
Institution Rating:
A4.8 ★Texas Ratio: 8.65%
421 Pile St, Clovis, NM 88101
6 Month Certificate of Deposit
$1,000
2.77% ▲ 0.05% above New Mexico avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▲ 0.05% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 2.77% APY · checked 2 times
2.27%2.77%3.27%Oct 8, 2026: 2.77% APYOct 8, 2026Oct 13, 2026
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
6 Month Certificate of Deposit
$500
2.77% ▲ 0.05% above New Mexico avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.72%▲ 0.05% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 2.77% APY · checked 3 times
2.27%2.77%3.27%Sep 14, 2026: 2.77% APYSep 14, 2026Oct 13, 2026
Mountain Star Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
210 E Idaho Ave, Las Cruces, NM 88005 3279
6 Month CD
$1,000
2.53% ▼ 0.19% below New Mexico avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▼ 0.19% below avgNationally 2.78%
Details

Early withdrawal penalties apply.

Rate History
No change since Sep 16, 2026 · 2.53% APY · checked 5 times
2.03%2.53%3.03%Sep 16, 2026: 2.53% APYSep 16, 2026Oct 13, 2026
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
2514 N Main St, Roswell, NM 88201
Certificate of Deposit (CD) - 6 Months
$0
2.50% ▼ 0.22% below New Mexico avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▼ 0.22% below avgNationally 2.78%
Details

Early Withdrawal Penalty: 90 Days

Rate History
No change since Oct 12, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 12, 2026: 2.50% APYOct 12, 2026Oct 13, 2026
LOCO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.67%
808 Washington Ave, Alamogordo, NM 88310 5166
6 Month Jumbo Certificate
$0
2.38% ▼ 0.34% below New Mexico avg
View
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.72%▼ 0.34% below avgNationally 2.78%
Details

Balance: Over $100,000; 90 Day penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 2.38% APY · checked 7 times
1.88%2.38%2.88%Sep 14, 2026: 2.38% APYSep 14, 2026Oct 13, 2026
LOCO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.67%
808 Washington Ave, Alamogordo, NM 88310 5166
6 Month Certificate of Deposit
$0
2.27% ▼ 0.45% below New Mexico avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.72%▼ 0.45% below avgNationally 2.78%
Details

Balance: $1000 - $99,999.99; 90 Day penalty for early withdrawal

Rate History
No change since Oct 9, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Oct 9, 2026: 2.27% APYOct 9, 2026Oct 13, 2026
Everyones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
505 E Route 66 Blvd, Tucumcari, NM 88401 3137
6 Month Share Certificate
$0
2.26% ▼ 0.46% below New Mexico avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.72%▼ 0.46% below avgNationally 2.78%
Details

Balance: $50,000.00 & Above

Rate History
No change since Oct 12, 2026 · 2.26% APY
1.76%2.26%2.76%Oct 12, 2026: 2.26% APYOct 12, 2026Oct 13, 2026

New Mexico 12 Month CD Rates

MonitorBankRates New Mexico Average · 12 Month CD2.95% APY▲ 0.03% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in New Mexico is 2.95% APY, compared with 2.99% nationally, as of October 13, 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: 3.13%
1001 Central Ave, Los Alamos, NM 87544
12 Month Youth Share Certificate
$0
5.00% ▲ 2.05% above New Mexico avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.95%▲ 2.05% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Oct 9, 2026: 5.00% APYOct 9, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2600 San Pedro Dr NE, Albuquerque, NM 87110
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.40% above New Mexico avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.95%▲ 1.40% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 13, 2026
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
210 N 5th St, Artesia, NM 88210 2000
Share Certificates - 12 month
$5,000
4.32% ▲ 1.37% above New Mexico avg
View
▼
Rate4.25%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.95%▲ 1.37% above avgNationally 2.99%
Details

Dividend Rate: 4.25%; Early Withdrawal Penalty- 90 Days; Dividend rates effective April 1, 2025; Certificates which are automatically renewed will receive the rate in effect on the renewal date

Rate History
No change since Sep 14, 2026 · 4.32% APY · checked 2 times
3.82%4.32%4.82%Sep 14, 2026: 4.32% APYSep 14, 2026Oct 13, 2026
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
4170 Northrise, Las Cruces, NM 88011
1 Year Boost Term Share
$500
4.07% ▲ 1.12% above New Mexico avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 1.12% above avgNationally 2.99%
Details

Rate History
1 change since Sep 25, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 25, 2026: 3.82% APYOct 4, 2026: 4.07% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.07%▲ from 3.82%
  • Sep 25, 20263.82%first recorded
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
4170 Northrise, Las Cruces, NM 88011
12 Month Boost Term Share
$100,000
4.07% ▲ 1.12% above New Mexico avg
View
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 1.12% above avgNationally 2.99%
Details

Jumbo CD

Rate History
1 change since Sep 25, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 25, 2026: 3.82% APYOct 4, 2026: 4.07% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.07%▲ from 3.82%
  • Sep 25, 20263.82%first recorded
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
12 Month Youth Certificate of Deposit
$100
4.06% ▲ 1.11% above New Mexico avg
View
▼
Rate4.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.95%▲ 1.11% above avgNationally 2.99%
Details

($10K limit per CD)

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
9200 Golf Course Rd NW, Albuquerque, NM 87114 5891
12 Month Certificate
$0
4.05% ▲ 1.10% above New Mexico avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.95%▲ 1.10% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
3.40%3.97%4.55%Sep 14, 2026: 3.90% APYOct 5, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.05%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2600 San Pedro Dr NE, Albuquerque, NM 87110
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 1.05% above New Mexico avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.95%▲ 1.05% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3707 Juan Tabo Blvd NE, Albuquerque, NM 87111
12 Month Term Certificates
$0
4.00% ▲ 1.05% above New Mexico avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 1.05% above avgNationally 2.99%
Details

Dividend Rate 3.93%; APY if dividends are not withdrawn during the term

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
16 Road 6500, Kirtland, NM 87417
Jumbo Certificate - 1 Year
$100,000
4.00% ▲ 1.05% above New Mexico avg
View
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.95%▲ 1.05% above avgNationally 2.99%
Details

Effective as of May 1, 2023; Dividend Rate; $100,000 minimum opening deposit tier

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
7300 Jefferson St Ne, Albuquerque, NM 87109
1-Year CD
$0
4.00% ▲ 1.05% above New Mexico avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.95%▲ 1.05% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
7300 Jefferson St Ne, Albuquerque, NM 87109
1-Year Term
$1,000
4.00% ▲ 1.05% above New Mexico avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.95%▲ 1.05% above avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
12 Month Certificates and IRA Certificates
$100,000
3.92% ▲ 0.97% above New Mexico avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.95%▲ 0.97% above avgNationally 2.99%
Details

Balance: $100,000+ Minimum Balance to obtain APY

Rate History
No change since Oct 9, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 9, 2026: 3.92% APYOct 9, 2026Oct 13, 2026
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
Business Certificates - 12 month
$100,000
3.92% ▲ 0.97% above New Mexico avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.95%▲ 0.97% above avgNationally 2.99%
Details

$100,000+ Minimum Balance to obtain APY; Penalty may be imposed for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 3.56% → 3.92% ▲ 0.36 pts · high 3.92% / low 3.56%
3.06%3.74%4.42%Sep 14, 2026: 3.56% APYOct 9, 2026: 3.87% APYOct 13, 2026: 3.92% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.92%▲ from 3.87%
  • Oct 9, 20263.87%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
12 Month Business Certificates
$10,000
3.87% ▲ 0.92% above New Mexico avg
View
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.95%▲ 0.92% above avgNationally 2.99%
Details

Balance: $10,000+ minimum balance to obtain APY; Minimum balance to open $10,000

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.87% ▲ 0.31 pts · high 3.87% / low 3.56%
3.06%3.72%4.37%Sep 14, 2026: 3.56% APYOct 13, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.87%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
12 Month Certificates and IRA Certificates
$10,000
3.87% ▲ 0.92% above New Mexico avg
View
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.95%▲ 0.92% above avgNationally 2.99%
Details

$10,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $10,000

Rate History
No change since Oct 9, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 9, 2026: 3.87% APYOct 9, 2026Oct 13, 2026
Railroad Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
300 N 6th St, Belen, NM 87002
Term Share Account - 12 Month
$1,000
3.85% ▲ 0.90% above New Mexico avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.95%▲ 0.90% above avgNationally 2.99%
Details

Early withdrawal penalty: 90 Days interest on amount withdrawn; Fixed rate dividends

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Mountain Star Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
210 E Idaho Ave, Las Cruces, NM 88005 3279
12 Month CD
$1,000
3.82% ▲ 0.87% above New Mexico avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.87% above avgNationally 2.99%
Details

Early withdrawal penalties apply.

Rate History
No change since Sep 16, 2026 · 3.82% APY · checked 5 times
3.32%3.82%4.32%Sep 16, 2026: 3.82% APYSep 16, 2026Oct 13, 2026
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
4170 Northrise, Las Cruces, NM 88011
1 Year Boost Advantage CD Saver
$50
3.82% ▲ 0.87% above New Mexico avg
View
▼
Rate3.75%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.87% above avgNationally 2.99%
Details

Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 25, 2026: 3.82% APYSep 25, 2026Oct 13, 2026
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
12 Month Business Certificates
$1,000
3.82% ▲ 0.87% above New Mexico avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.95%▲ 0.87% above avgNationally 2.99%
Details

Balance: $1,000+ minimum to obtain APY; Minimum balance to open $1,000

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
3.06%3.69%4.32%Sep 14, 2026: 3.56% APYOct 13, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.82%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
12 Month Certificates and IRA Certificates
$1,000
3.82% ▲ 0.87% above New Mexico avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.95%▲ 0.87% above avgNationally 2.99%
Details

Balance: $1,000+ minimum balance to obtain APY; Minimum Balance to Open of $1,000; Early withdrawal penalty may apply

Rate History
No change since Oct 9, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 9, 2026: 3.82% APYOct 9, 2026Oct 13, 2026
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
321 S Main Ave, Aztec, NM 87410 2124
Certificate of Deposit - 12 Months
$0
3.82% ▲ 0.87% above New Mexico avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.95%▲ 0.87% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 18, 2026 · 3.82% → 3.82% ▲ 0.00 pts · high 3.82% / low 3.82%
3.32%3.82%4.32%Sep 18, 2026: 3.82% APYSep 22, 2026: 3.82% APYOct 1, 2026: 3.82% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.82%▲ from 3.82%
  • Sep 22, 20263.82%▼ from 3.82%
  • Sep 18, 20263.82%first recorded
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
321 S Main Ave, Aztec, NM 87410 2124
IRA Accounts - 12 Month CD
$0
3.82% ▲ 0.87% above New Mexico avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.95%▲ 0.87% above avgNationally 2.99%
Details

Balance: $1,000 or more

Rate History
No change since Oct 13, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 13, 2026: 3.82% APYOct 13, 2026Oct 13, 2026
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
12-Month Certificate of Deposit
$1,000
3.75% ▲ 0.80% above New Mexico avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Mexico Average2.95%▲ 0.80% above avgNationally 2.99%
Details

Balances Over $1,000

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
12-Month IRA Certificate of Deposit
$1,000
3.75% ▲ 0.80% above New Mexico avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Mexico Average2.95%▲ 0.80% above avgNationally 2.99%
Details

Balances Over $1,000

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
614 Alta Vista St, Santa Fe, NM 87505
12-Month Share Certificate
$500
3.56% ▲ 0.61% above New Mexico avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.61% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 8, 2026: 3.56% APYOct 8, 2026Oct 13, 2026
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
12 Month Share Certificate - Bonus Rate
$0
3.55% ▲ 0.60% above New Mexico avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.95%▲ 0.60% above avgNationally 2.99%
Details

Relationship bonus rate (membership rate bonus conditions apply); Early Withdrawal Penalty: 90 Days Interest

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 13, 2026
First National Bank Alamogordo, NM
Institution Rating:
F1.2 ★Texas Ratio: 43.89%
414 10th St, Alamogordo, NM 88310
IRA 12 Month
$500
3.53% ▲ 0.58% above New Mexico avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.58% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 3 times
3.03%3.53%4.03%Sep 14, 2026: 3.53% APYSep 14, 2026Oct 13, 2026
First National Bank Alamogordo, NM
Institution Rating:
F1.2 ★Texas Ratio: 43.89%
414 10th St, Alamogordo, NM 88310
ROTH 12 Month
$500
3.53% ▲ 0.58% above New Mexico avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.58% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 3 times
3.03%3.53%4.03%Sep 14, 2026: 3.53% APYSep 14, 2026Oct 13, 2026
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
2514 N Main St, Roswell, NM 88201
Certificate of Deposit (CD) - 12 Months
$0
3.50% ▲ 0.55% above New Mexico avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.55% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 90 Days

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
4100 Pan American FWY NE, Albuquerque, NM 87107
IRA Certificates - 12-Month
$0
3.45% ▲ 0.50% above New Mexico avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.50% above avgNationally 2.99%
Details

IRA

Rate History
No change since Sep 25, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Sep 25, 2026: 3.45% APYSep 25, 2026Oct 13, 2026
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
4100 Pan American FWY NE, Albuquerque, NM 87107
Share Certificate - 12-Month
$0
3.45% ▲ 0.50% above New Mexico avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.50% above avgNationally 2.99%
Details

Regular

Rate History
No change since Sep 25, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Sep 25, 2026: 3.45% APYSep 25, 2026Oct 13, 2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
Jumbo Share and IRA Certificate - 1 Year - Loyalty
$25,000
3.45% ▲ 0.50% above New Mexico avg
View
▼
Rate3.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.50% above avgNationally 2.99%
Details

Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate

Rate History
1 change since Sep 17, 2026 · 3.40% → 3.45% ▲ 0.05 pts · high 3.45% / low 3.40%
2.90%3.43%3.95%Sep 17, 2026: 3.40% APYOct 12, 2026: 3.45% APYSep 17, 2026Oct 13, 2026
  • Oct 12, 20263.45%▲ from 3.40%
  • Sep 17, 20263.40%first recorded
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
New Share / IRA Certificates - 12 months
$0
3.45% ▲ 0.50% above New Mexico avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.50% above avgNationally 2.99%
Details

Effective August 21, 2026; Early withdrawal penalties apply

Rate History
No change since Oct 12, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 12, 2026: 3.45% APYOct 12, 2026Oct 13, 2026
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
Share / IRA Certificate - 12 months
$1,000
3.45% ▲ 0.50% above New Mexico avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.50% above avgNationally 2.99%
Details

Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.40%; Early withdrawal penalties apply

Rate History
No change since Oct 12, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 12, 2026: 3.45% APYOct 12, 2026Oct 13, 2026
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
12 Month IRA Share Certificates
$500
3.45% ▲ 0.50% above New Mexico avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.95%▲ 0.50% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
12 Month Share Certificates
$500
3.45% ▲ 0.50% above New Mexico avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.95%▲ 0.50% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
12 Month Term Share/IRA Jumbo Certificates
$0
3.40% ▲ 0.45% above New Mexico avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.95%▲ 0.45% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
1 Year Share and IRA Certificate - Loyalty
$1,000
3.35% ▲ 0.40% above New Mexico avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.40% above avgNationally 2.99%
Details

Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $1,000

Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 8, 2026: 3.35% APYOct 8, 2026Oct 13, 2026
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1375 E Boutz Rd, Las Cruces, NM 88001 5305
12 Month Share Certificates
$500
3.30% ▲ 0.35% above New Mexico avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.35% above avgNationally 2.99%
Details

Rate History
No change since Sep 25, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 25, 2026: 3.30% APYSep 25, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
12 Month IRA Certificate
$500
3.30% ▲ 0.35% above New Mexico avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.95%▲ 0.35% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
12 Month Kirby Kid Certificates
$500
3.30% ▲ 0.35% above New Mexico avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.95%▲ 0.35% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
12 Month Term Share Certificates (TSC)
$1,000
3.30% ▲ 0.35% above New Mexico avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.95%▲ 0.35% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
1st Certificates - 12 Month
$250
3.30% ▲ 0.35% above New Mexico avg
View
▼
Rate3.25%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.95%▲ 0.35% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
300 N Main St, Clovis, NM 88101
1-year IRA
$100
3.25% ▲ 0.30% above New Mexico avg
View
▼
Rate3.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.95%▲ 0.30% above avgNationally 2.99%
Details

Other Fee(s) / Penalties: 3 months interest on amount withdrawn

Rate History
No change since Sep 30, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 30, 2026: 3.25% APYSep 30, 2026Oct 13, 2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
Jumbo Share and IRA Certificate - 1 Year
$25,000
3.25% ▲ 0.30% above New Mexico avg
View
▼
Rate3.20%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.30% above avgNationally 2.99%
Details

Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.25% ▲ 0.05 pts · high 3.25% / low 3.20%
2.70%3.23%3.75%Sep 14, 2026: 3.20% APYOct 12, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.25%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Share Certificates - 12 Month
$0
3.25% ▲ 0.30% above New Mexico avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.95%▲ 0.30% above avgNationally 2.99%
Details

Bonus Rate: 3.75%; Early Withdrawal Penalty: 90 Days Interest; Bonus conditions: Active Checking Account +0.10%, Full Direct Deposit +0.10%, Active SECU Credit Card +0.10%, Active Consumer Loan +0.10%, Current Mortgage +0.10%

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1584 Highway 264, Tse Bonito, NM 87301
12 Month Term Share Certificates
$1,000
3.20% ▲ 0.25% above New Mexico avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.95%▲ 0.25% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 13, 2026
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
220 N Telshor Blvd, Las Cruces, NM 88011
12 Month Certificate
$1,000
3.16% ▲ 0.21% above New Mexico avg
View
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.95%▲ 0.21% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.16% APY · checked 7 times
2.66%3.16%3.66%Sep 14, 2026: 3.16% APYSep 14, 2026Oct 13, 2026
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
300 N Main St, Clovis, NM 88101
1-year CD
$5,000
3.14% ▲ 0.19% above New Mexico avg
View
▼
Rate3.10%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.95%▲ 0.19% above avgNationally 2.99%
Details

Other Fee(s) / Early Withdrawal Penalties: 3 months interest on amount withdrawn

Rate History
No change since Sep 30, 2026 · 3.14% APY · checked 4 times
2.64%3.14%3.64%Sep 30, 2026: 3.14% APYSep 30, 2026Oct 13, 2026

New Mexico 18 Month CD Rates

MonitorBankRates New Mexico Average · 18 Month CD2.83% APY▼ 0.01% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in New Mexico is 2.83% APY, compared with 2.87% nationally, as of October 13, 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
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
18 Month IRA Share Certificates
$500
4.54% ▲ 1.71% above New Mexico avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 1.71% above avgNationally 2.87%
Details

New Money only (funds not currently on deposit with RGCU)

Rate History
1 change since Sep 14, 2026 · 4.02% → 4.54% ▲ 0.52 pts · high 4.54% / low 4.02%
3.50%4.28%5.06%Sep 14, 2026: 4.02% APYSep 29, 2026: 4.54% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.54%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
18 Month Share Certificates
$500
4.54% ▲ 1.71% above New Mexico avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 1.71% above avgNationally 2.87%
Details

New Money only (**New Money = Funds not currently on deposit with RGCU)

Rate History
1 change since Sep 14, 2026 · 4.02% → 4.54% ▲ 0.52 pts · high 4.54% / low 4.02%
3.50%4.28%5.06%Sep 14, 2026: 4.02% APYSep 29, 2026: 4.54% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.54%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
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% ▲ 1.42% above New Mexico avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Mexico Average2.83%▲ 1.42% above avgNationally 2.87%
Details

Bump-Up CD; Available for a limited time only!; 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. Restrictions apply.; Available in Dubuque, Lubbock, Albuquerque, and Boise.

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
9200 Golf Course Rd NW, Albuquerque, NM 87114 5891
18 Month Certificate
$0
4.15% ▲ 1.32% above New Mexico avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 1.32% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
18 Month Certificates and IRA Certificates
$100,000
3.92% ▲ 1.09% above New Mexico avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 1.09% above avgNationally 2.87%
Details

Balance: $100,000+ Minimum Balance to obtain APY

Rate History
No change since Oct 9, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 9, 2026: 3.92% APYOct 9, 2026Oct 13, 2026
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
Business Certificates - 18 month
$100,000
3.92% ▲ 1.09% above New Mexico avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 1.09% above avgNationally 2.87%
Details

$100,000+ Minimum Balance to obtain APY; Penalty may be imposed for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 3.41% → 3.92% ▲ 0.51 pts · high 3.92% / low 3.41%
2.90%3.67%4.43%Sep 14, 2026: 3.41% APYOct 9, 2026: 3.87% APYOct 13, 2026: 3.92% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.92%▲ from 3.87%
  • Oct 9, 20263.87%▲ from 3.41%
  • Sep 14, 20263.41%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
18 Month Business Certificates
$10,000
3.87% ▲ 1.04% above New Mexico avg
View
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 1.04% above avgNationally 2.87%
Details

Balance: $10,000+ minimum balance to obtain APY; Minimum balance to open $10,000

Rate History
1 change since Sep 14, 2026 · 3.41% → 3.87% ▲ 0.46 pts · high 3.87% / low 3.41%
2.91%3.64%4.37%Sep 14, 2026: 3.41% APYOct 13, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.87%▲ from 3.41%
  • Sep 14, 20263.41%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
18 Month Certificates and IRA Certificates
$10,000
3.87% ▲ 1.04% above New Mexico avg
View
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 1.04% above avgNationally 2.87%
Details

$10,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $10,000

Rate History
No change since Oct 9, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 9, 2026: 3.87% APYOct 9, 2026Oct 13, 2026
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
18 Month Business Certificates
$1,000
3.82% ▲ 0.99% above New Mexico avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 0.99% above avgNationally 2.87%
Details

Balance: $1,000+ minimum to obtain APY; Minimum balance to open $1,000

Rate History
1 change since Sep 14, 2026 · 3.41% → 3.82% ▲ 0.41 pts · high 3.82% / low 3.41%
2.91%3.62%4.32%Sep 14, 2026: 3.41% APYOct 13, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.82%▲ from 3.41%
  • Sep 14, 20263.41%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
18 Month Certificates and IRA Certificates
$1,000
3.82% ▲ 0.99% above New Mexico avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 0.99% above avgNationally 2.87%
Details

Balance: $1,000+ minimum balance to obtain APY; Minimum Balance to Open of $1,000; Early withdrawal penalty may apply

Rate History
No change since Oct 9, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 9, 2026: 3.82% APYOct 9, 2026Oct 13, 2026
First National Bank Alamogordo, NM
Institution Rating:
F1.2 ★Texas Ratio: 43.89%
414 10th St, Alamogordo, NM 88310
IRA 18 Month
$500
3.79% ▲ 0.96% above New Mexico avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.96% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.79% APY · checked 3 times
3.29%3.79%4.29%Sep 14, 2026: 3.79% APYSep 14, 2026Oct 13, 2026
First National Bank Alamogordo, NM
Institution Rating:
F1.2 ★Texas Ratio: 43.89%
414 10th St, Alamogordo, NM 88310
ROTH 18 Month
$500
3.79% ▲ 0.96% above New Mexico avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.96% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.79% APY · checked 3 times
3.29%3.79%4.29%Sep 14, 2026: 3.79% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2600 San Pedro Dr NE, Albuquerque, NM 87110
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.87% above New Mexico avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.83%▲ 0.87% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 13, 2026
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
4100 Pan American FWY NE, Albuquerque, NM 87107
IRA Certificates - 18-Month
$0
3.70% ▲ 0.87% above New Mexico avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.87% above avgNationally 2.87%
Details

IRA

Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 25, 2026: 3.70% APYSep 25, 2026Oct 13, 2026
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
4100 Pan American FWY NE, Albuquerque, NM 87107
Share Certificate - 18-Month
$0
3.70% ▲ 0.87% above New Mexico avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.87% above avgNationally 2.87%
Details

Regular

Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 25, 2026: 3.70% APYSep 25, 2026Oct 13, 2026
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
321 S Main Ave, Aztec, NM 87410 2124
Certificate of Deposit - 18 Months
$0
3.61% ▲ 0.78% above New Mexico avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 0.78% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 18, 2026 · 3.61% → 3.61% ▲ 0.00 pts · high 3.61% / low 3.61%
3.11%3.61%4.11%Sep 18, 2026: 3.61% APYSep 22, 2026: 3.61% APYOct 1, 2026: 3.61% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.61%▲ from 3.61%
  • Sep 22, 20263.61%▼ from 3.61%
  • Sep 18, 20263.61%first recorded
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1584 Highway 264, Tse Bonito, NM 87301
Promotional Term Share Certificates - 18 Months
$1,000
3.60% ▲ 0.77% above New Mexico avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 0.77% above avgNationally 2.87%
Details

Balance: $1,000 minimum - $150,000 maximum; Limited Time Offer

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 13, 2026
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
18-Month Certificate of Deposit
$1,000
3.50% ▲ 0.67% above New Mexico avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Mexico Average2.83%▲ 0.67% above avgNationally 2.87%
Details

Balances Over $1,000

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
Jumbo Share and IRA Certificate - 18 Month - Loyalty
$25,000
3.50% ▲ 0.67% above New Mexico avg
View
▼
Rate3.45%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.67% above avgNationally 2.87%
Details

Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate

Rate History
1 change since Sep 17, 2026 · 3.45% → 3.50% ▲ 0.05 pts · high 3.50% / low 3.45%
2.95%3.48%4.00%Sep 17, 2026: 3.45% APYOct 12, 2026: 3.50% APYSep 17, 2026Oct 13, 2026
  • Oct 12, 20263.50%▲ from 3.45%
  • Sep 17, 20263.45%first recorded
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
New Share / IRA Certificates - 18 months
$0
3.50% ▲ 0.67% above New Mexico avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.67% above avgNationally 2.87%
Details

Effective August 21, 2026; Early withdrawal penalties apply

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
Share / IRA Certificate - 18 months
$1,000
3.50% ▲ 0.67% above New Mexico avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.67% above avgNationally 2.87%
Details

Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.45%; Early withdrawal penalties apply

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
18 Month Share and IRA Certificate - Loyalty
$1,000
3.40% ▲ 0.57% above New Mexico avg
View
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.57% above avgNationally 2.87%
Details

Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $1,000

Rate History
No change since Oct 8, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 8, 2026: 3.40% APYOct 8, 2026Oct 13, 2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
Jumbo Share and IRA Certificate - 18 Month
$25,000
3.30% ▲ 0.47% above New Mexico avg
View
▼
Rate3.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.47% above avgNationally 2.87%
Details

Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.30% ▲ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.25% APYOct 12, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.30%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
18 Month Term Share/IRA Jumbo Certificates
$0
3.30% ▲ 0.47% above New Mexico avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.83%▲ 0.47% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
2514 N Main St, Roswell, NM 88201
Certificate of Deposit (CD) - 18 Months
$0
3.25% ▲ 0.42% above New Mexico avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.42% above avgNationally 2.87%
Details

Early Withdrawal Penalty: 90 Days

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 13, 2026
Financial Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1105 W Pierce St, Carlsbad, NM 88220 4014
18 Month Term
$0
3.23% ▲ 0.40% above New Mexico avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 0.40% above avgNationally 2.87%
Details

Balance: $250,000 and up

Rate History
No change since Oct 13, 2026 · 3.23% APY
2.73%3.23%3.73%Oct 13, 2026: 3.23% APYOct 13, 2026Oct 13, 2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
18 Month Share and IRA Certificate
$1,000
3.20% ▲ 0.37% above New Mexico avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.37% above avgNationally 2.87%
Details

Regular share and IRA certificate; Minimum required deposit $1,000

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
18 Month IRA Certificate
$500
3.20% ▲ 0.37% above New Mexico avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.83%▲ 0.37% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
18 Month Kirby Kid Certificates
$500
3.20% ▲ 0.37% above New Mexico avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.83%▲ 0.37% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
18 Month Term Share Certificates (TSC)
$1,000
3.20% ▲ 0.37% above New Mexico avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.83%▲ 0.37% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
1st Certificates - 18 Month
$250
3.20% ▲ 0.37% above New Mexico avg
View
▼
Rate3.15%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.83%▲ 0.37% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
Financial Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1105 W Pierce St, Carlsbad, NM 88220 4014
18 Month Term
$0
3.13% ▲ 0.30% above New Mexico avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 0.30% above avgNationally 2.87%
Details

Balance: $150,000-$249,999.99

Rate History
No change since Oct 13, 2026 · 3.13% APY
2.63%3.13%3.63%Oct 13, 2026: 3.13% APYOct 13, 2026Oct 13, 2026
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1375 E Boutz Rd, Las Cruces, NM 88001 5305
18 Month Share Certificates
$500
3.04% ▲ 0.21% above New Mexico avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.21% above avgNationally 2.87%
Details

Rate History
No change since Sep 25, 2026 · 3.04% APY · checked 3 times
2.54%3.04%3.54%Sep 25, 2026: 3.04% APYSep 25, 2026Oct 13, 2026
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
220 N Telshor Blvd, Las Cruces, NM 88011
18 Month Certificate
$1,000
3.00% ▲ 0.17% above New Mexico avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.17% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
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% ▲ 0.01% above New Mexico avg
View
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Mexico Average2.83%▲ 0.01% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 2.84% APY · checked 6 times
2.34%2.84%3.34%Sep 14, 2026: 2.84% APYSep 14, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
7300 Jefferson St Ne, Albuquerque, NM 87109
18-Month CD
$0
2.75% ▼ 0.08% below New Mexico avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.83%▼ 0.08% below avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
7300 Jefferson St Ne, Albuquerque, NM 87109
18-Month Term
$1,000
2.75% ▼ 0.08% below New Mexico avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.83%▼ 0.08% below avgNationally 2.87%
Details

Rate History
No change since Sep 27, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 27, 2026: 2.75% APYSep 27, 2026Oct 13, 2026
LOCO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.67%
808 Washington Ave, Alamogordo, NM 88310 5166
18 Month Jumbo Certificate
$0
2.37% ▼ 0.46% below New Mexico avg
View
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▼ 0.46% below avgNationally 2.87%
Details

Balance: Over $100,000; 90 Day penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 2.37% APY · checked 7 times
1.87%2.37%2.87%Sep 14, 2026: 2.37% APYSep 14, 2026Oct 13, 2026
LOCO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.67%
808 Washington Ave, Alamogordo, NM 88310 5166
18 Month Certificate of Deposit
$0
2.27% ▼ 0.56% below New Mexico avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▼ 0.56% below avgNationally 2.87%
Details

Balance: $1000 - $99,999.99; 90 Day penalty for early withdrawal

Rate History
No change since Oct 9, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Oct 9, 2026: 2.27% APYOct 9, 2026Oct 13, 2026
US Eagle Federal Credit Union
Institution Rating:
F2.6 ★Texas Ratio: 44.42%
3939 Osuna Rd NE, Albuquerque, NM 87109 4431
18 Month Certificate
$0
2.25% ▼ 0.58% below New Mexico avg
View
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▼ 0.58% below avgNationally 2.87%
Details

MemPerx Max Benefit: 2.76%

Rate History
No change since Sep 25, 2026 · 2.25% APY · checked 4 times
1.75%2.25%2.75%Sep 25, 2026: 2.25% APYSep 25, 2026Oct 13, 2026
US Eagle Federal Credit Union
Institution Rating:
F2.6 ★Texas Ratio: 44.42%
3939 Osuna Rd NE, Albuquerque, NM 87109 4431
18 Month IRA Certificate
$0
2.00% ▼ 0.83% below New Mexico avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▼ 0.83% below avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 8, 2026: 2.00% APYOct 8, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5915 Wyoming Blvd Ne, Albuquerque, NM 87109
18 Month Certificate
$0
1.50% ▼ 1.33% below New Mexico avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average2.83%▼ 1.33% below avgNationally 2.87%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5915 Wyoming Blvd Ne, Albuquerque, NM 87109
IRA CD - 18 Months
$0
1.50% ▼ 1.33% below New Mexico avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average2.83%▼ 1.33% below avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
201 N Church St, Las Cruces, NM 88001
18 Month IRA Certificates
$0
0.75% ▼ 2.08% below New Mexico avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.83%▼ 2.08% below avgNationally 2.87%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 13, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
201 N Church St, Las Cruces, NM 88001
18 Month Standard CD
$0
0.75% ▼ 2.08% below New Mexico avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.83%▼ 2.08% below avgNationally 2.87%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 13, 2026
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% ▼ 2.23% below New Mexico avg
View
▼
Rate0.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average2.83%▼ 2.23% below avgNationally 2.87%
Details

On Deposits up to $100,000

Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 7 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 13, 2026
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% ▼ 2.23% below New Mexico avg
View
▼
Rate0.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average2.83%▼ 2.23% below avgNationally 2.87%
Details

On Deposits $100,000 and over

Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 7 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 13, 2026
First National Bank in Trinidad
Institution Rating:
A-4.4 ★Texas Ratio: 8.33%
1246 S 2nd St, Raton, NM 87740
IRA Fixed Rate 18 Month CD
$5,000
0.60% ▼ 2.23% below New Mexico avg
View
▼
Rate0.60%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average2.83%▼ 2.23% below avgNationally 2.87%
Details

On Deposits up to $100,000

Rate History
No change since Sep 27, 2026 · 0.60% APY · checked 2 times
0.10%0.60%1.10%Sep 27, 2026: 0.60% APYSep 27, 2026Oct 13, 2026
First National Bank in Trinidad
Institution Rating:
A-4.4 ★Texas Ratio: 8.33%
1246 S 2nd St, Raton, NM 87740
Jumbo IRA Fixed Rate 18 Month CD
$100,000
0.60% ▼ 2.23% below New Mexico avg
View
▼
Rate0.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average2.83%▼ 2.23% below avgNationally 2.87%
Details

On Deposits $100,000 and Over

Rate History
No change since Sep 27, 2026 · 0.60% APY · checked 2 times
0.10%0.60%1.10%Sep 27, 2026: 0.60% APYSep 27, 2026Oct 13, 2026
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
1001 Central Ave, Los Alamos, NM 87544
IRA/Share Certificate - 18 Months
$0
0.45% ▼ 2.38% below New Mexico avg
View
▼
Rate0.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▼ 2.38% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 4 times
0.00%0.48%0.95%Sep 14, 2026: 0.45% APYSep 14, 2026Oct 13, 2026

New Mexico 24 Month CD Rates

MonitorBankRates New Mexico Average · 24 Month CD2.84% APY▲ 0.04% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in New Mexico is 2.84% APY, compared with 2.88% nationally, as of October 13, 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
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
614 Alta Vista St, Santa Fe, NM 87505
24-Month Share Certificate SPECIAL RATE
$500
5.12% ▲ 2.28% above New Mexico avg
View
▼
Rate5.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 2.28% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 5.12% APY
4.62%5.12%5.62%Oct 12, 2026: 5.12% APYOct 12, 2026Oct 13, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
9200 Golf Course Rd NW, Albuquerque, NM 87114 5891
24 Month Certificate
$0
4.50% ▲ 1.66% above New Mexico avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.84%▲ 1.66% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
1001 Central Ave, Los Alamos, NM 87544
IRA/Share Certificate 24 Months
$0
4.29% ▲ 1.45% above New Mexico avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.84%▲ 1.45% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.29% APY · checked 4 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APYSep 14, 2026Oct 13, 2026
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
24 Month Certificates and IRA Certificates
$100,000
4.18% ▲ 1.34% above New Mexico avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.84%▲ 1.34% above avgNationally 2.88%
Details

Balance: $100,000+ Minimum Balance to obtain APY

Rate History
No change since Oct 9, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Oct 9, 2026: 4.18% APYOct 9, 2026Oct 13, 2026
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
Business Certificates - 24 month
$100,000
4.18% ▲ 1.34% above New Mexico avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.84%▲ 1.34% above avgNationally 2.88%
Details

$100,000+ Minimum Balance to obtain APY; Penalty may be imposed for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 3.30% → 4.18% ▲ 0.88 pts · high 4.18% / low 3.30%
2.42%3.74%5.06%Sep 14, 2026: 3.30% APYOct 9, 2026: 4.13% APYOct 13, 2026: 4.18% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.18%▲ from 4.13%
  • Oct 9, 20264.13%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
210 N 5th St, Artesia, NM 88210 2000
Share Certificates - 24 month
$5,000
4.16% ▲ 1.32% above New Mexico avg
View
▼
Rate4.10%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.84%▲ 1.32% above avgNationally 2.88%
Details

Dividend Rate: 4.10%; Early Withdrawal Penalty- 90 Days; Dividend rates effective April 1, 2025; Certificates which are automatically renewed will receive the rate in effect on the renewal date

Rate History
No change since Sep 14, 2026 · 4.16% APY · checked 2 times
3.66%4.16%4.66%Sep 14, 2026: 4.16% APYSep 14, 2026Oct 13, 2026
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
3105 Del Rey Blvd, Las Cruces, NM 88012
2 Year Certificate
$100,000
4.15% ▲ 1.31% above New Mexico avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.84%▲ 1.31% above avgNationally 2.88%
Details

Promotion is for a limited time on a 2-year share certificate (Consumer and Business) with a $100,000 minimum deposit. FirstLight Federal Credit Union reserves the right to end or modify a special/promotional rate at any time. Penalties apply for early withdrawal from certificates. Unless you indicate otherwise, the certificate will be renewed at maturity at a like term, if available, or at the then-current rate in effect. Other restrictions may apply.

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
24 Month Business Certificates
$10,000
4.13% ▲ 1.29% above New Mexico avg
View
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.84%▲ 1.29% above avgNationally 2.88%
Details

Balance: $10,000+ minimum balance to obtain APY; Minimum balance to open $10,000

Rate History
1 change since Sep 14, 2026 · 3.30% → 4.13% ▲ 0.83 pts · high 4.13% / low 3.30%
2.47%3.72%4.96%Sep 14, 2026: 3.30% APYOct 13, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.13%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
24 Month Certificates and IRA Certificates
$10,000
4.13% ▲ 1.29% above New Mexico avg
View
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.84%▲ 1.29% above avgNationally 2.88%
Details

$10,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $10,000

Rate History
No change since Oct 9, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Oct 9, 2026: 4.13% APYOct 9, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3707 Juan Tabo Blvd NE, Albuquerque, NM 87111
24 Month Term Certificates
$0
4.11% ▲ 1.27% above New Mexico avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 1.27% above avgNationally 2.88%
Details

Dividend Rate 4.03%; APY if dividends are not withdrawn during the term

Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 5 times
3.61%4.11%4.61%Sep 14, 2026: 4.11% APYSep 14, 2026Oct 13, 2026
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
24 Month Business Certificates
$1,000
4.08% ▲ 1.24% above New Mexico avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.84%▲ 1.24% above avgNationally 2.88%
Details

Balance: $1,000+ minimum to obtain APY; Minimum balance to open $1,000

Rate History
1 change since Sep 14, 2026 · 3.30% → 4.08% ▲ 0.78 pts · high 4.08% / low 3.30%
2.52%3.69%4.86%Sep 14, 2026: 3.30% APYOct 13, 2026: 4.08% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.08%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
24 Month Certificates and IRA Certificates
$1,000
4.08% ▲ 1.24% above New Mexico avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.84%▲ 1.24% above avgNationally 2.88%
Details

Balance: $1,000+ minimum balance to obtain APY; Minimum Balance to Open of $1,000; Early withdrawal penalty may apply

Rate History
No change since Oct 9, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 9, 2026: 4.08% APYOct 9, 2026Oct 13, 2026
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
4170 Northrise, Las Cruces, NM 88011
24 Month Boost Term Share
$100,000
4.07% ▲ 1.23% above New Mexico avg
View
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 1.23% above avgNationally 2.88%
Details

Jumbo CD

Rate History
1 change since Sep 25, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56%
3.05%3.82%4.58%Sep 25, 2026: 3.56% APYOct 4, 2026: 4.07% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.07%▲ from 3.56%
  • Sep 25, 20263.56%first recorded
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
4170 Northrise, Las Cruces, NM 88011
2 Year Boost Term Share
$500
3.82% ▲ 0.98% above New Mexico avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 0.98% above avgNationally 2.88%
Details

Rate History
1 change since Sep 25, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
3.06%3.69%4.32%Sep 25, 2026: 3.56% APYOct 4, 2026: 3.82% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20263.82%▲ from 3.56%
  • Sep 25, 20263.56%first recorded
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
4100 Pan American FWY NE, Albuquerque, NM 87107
IRA Certificates - 24-Month
$0
3.75% ▲ 0.91% above New Mexico avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 0.91% above avgNationally 2.88%
Details

IRA

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 13, 2026
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
4100 Pan American FWY NE, Albuquerque, NM 87107
Share Certificate - 24-Month
$0
3.75% ▲ 0.91% above New Mexico avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 0.91% above avgNationally 2.88%
Details

Regular

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 13, 2026
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
321 S Main Ave, Aztec, NM 87410 2124
Certificate of Deposit - 24 Months
$0
3.61% ▲ 0.77% above New Mexico avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.84%▲ 0.77% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 18, 2026 · 3.61% → 3.61% ▲ 0.00 pts · high 3.61% / low 3.61%
3.11%3.61%4.11%Sep 18, 2026: 3.61% APYSep 22, 2026: 3.61% APYOct 1, 2026: 3.61% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.61%▲ from 3.61%
  • Sep 22, 20263.61%▼ from 3.61%
  • Sep 18, 20263.61%first recorded
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
321 S Main Ave, Aztec, NM 87410 2124
IRA Accounts - 24 Month CD
$0
3.61% ▲ 0.77% above New Mexico avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.84%▲ 0.77% above avgNationally 2.88%
Details

Balance: $1,000 or more

Rate History
No change since Oct 13, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 13, 2026: 3.61% APYOct 13, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2600 San Pedro Dr NE, Albuquerque, NM 87110
24 Month ESA EasyStart Certificate
$50
3.60% ▲ 0.76% above New Mexico avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.84%▲ 0.76% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 13, 2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
Jumbo Share and IRA Certificate - 2 Year - Loyalty
$25,000
3.56% ▲ 0.72% above New Mexico avg
View
▼
Rate3.50%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 0.72% above avgNationally 2.88%
Details

Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate

Rate History
1 change since Sep 17, 2026 · 3.51% → 3.56% ▲ 0.05 pts · high 3.56% / low 3.51%
3.01%3.54%4.06%Sep 17, 2026: 3.51% APYOct 12, 2026: 3.56% APYSep 17, 2026Oct 13, 2026
  • Oct 12, 20263.56%▲ from 3.51%
  • Sep 17, 20263.51%first recorded
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
New Share / IRA Certificates - 24 months
$0
3.55% ▲ 0.71% above New Mexico avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 0.71% above avgNationally 2.88%
Details

Effective August 21, 2026; Early withdrawal penalties apply

Rate History
No change since Oct 12, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 12, 2026: 3.55% APYOct 12, 2026Oct 13, 2026
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
Share / IRA Certificate - 24 months
$1,000
3.55% ▲ 0.71% above New Mexico avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 0.71% above avgNationally 2.88%
Details

Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.49%; Early withdrawal penalties apply

Rate History
No change since Oct 12, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 12, 2026: 3.55% APYOct 12, 2026Oct 13, 2026
Railroad Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
300 N 6th St, Belen, NM 87002
Term Share Account - 24 Month
$1,000
3.55% ▲ 0.71% above New Mexico avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.84%▲ 0.71% above avgNationally 2.88%
Details

Early withdrawal penalty: 180 Days interest on amount withdrawn; Fixed rate dividends

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
24 Month IRA Share Certificates
$500
3.51% ▲ 0.67% above New Mexico avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.84%▲ 0.67% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
24 Month Share Certificates
$500
3.51% ▲ 0.67% above New Mexico avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.84%▲ 0.67% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
2 Year Share and IRA Certificate - Loyalty
$1,000
3.45% ▲ 0.61% above New Mexico avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 0.61% above avgNationally 2.88%
Details

Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $1,000

Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 8, 2026: 3.45% APYOct 8, 2026Oct 13, 2026
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
300 N Main St, Clovis, NM 88101
2-year IRA
$100
3.35% ▲ 0.51% above New Mexico avg
View
▼
Rate3.30%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.84%▲ 0.51% above avgNationally 2.88%
Details

Other Fee(s) / Penalties: 3 months interest on amount withdrawn

Rate History
No change since Sep 30, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 30, 2026: 3.35% APYSep 30, 2026Oct 13, 2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
Jumbo Share and IRA Certificate - 2 Year
$25,000
3.35% ▲ 0.51% above New Mexico avg
View
▼
Rate3.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 0.51% above avgNationally 2.88%
Details

Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.35% ▲ 0.05 pts · high 3.35% / low 3.30%
2.80%3.33%3.85%Sep 14, 2026: 3.30% APYOct 12, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.35%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
2514 N Main St, Roswell, NM 88201
Certificate of Deposit (CD) - 24 Months
$0
3.35% ▲ 0.51% above New Mexico avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 0.51% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 90 Days

Rate History
No change since Oct 12, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 12, 2026: 3.35% APYOct 12, 2026Oct 13, 2026
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1375 E Boutz Rd, Las Cruces, NM 88001 5305
24 Month Bump-it-Up Share Certificate
$2,000
3.30% ▲ 0.46% above New Mexico avg
View
▼
Rate3.25%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 0.46% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 25, 2026: 3.30% APYSep 25, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
24 Month Term Share/IRA Jumbo Certificates
$0
3.30% ▲ 0.46% above New Mexico avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.84%▲ 0.46% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
24 Month Certificate of Deposit
$500
3.29% ▲ 0.45% above New Mexico avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.84%▲ 0.45% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 3 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Financial Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1105 W Pierce St, Carlsbad, NM 88220 4014
2 Year Term
$0
3.29% ▲ 0.45% above New Mexico avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.84%▲ 0.45% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
300 N Main St, Clovis, NM 88101
2-year CD
$5,000
3.25% ▲ 0.41% above New Mexico avg
View
▼
Rate3.20%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.84%▲ 0.41% above avgNationally 2.88%
Details

Other Fee(s) / Early Withdrawal Penalties: 3 months interest on amount withdrawn

Rate History
No change since Sep 30, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 30, 2026: 3.25% APYSep 30, 2026Oct 13, 2026
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
300 N Main St, Clovis, NM 88101
2-Year Ladder CD
$5,000
3.25% ▲ 0.41% above New Mexico avg
View
▼
Rate3.20%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.84%▲ 0.41% above avgNationally 2.88%
Details

Renewal Term: 60 months from initial maturity; Renewal Rate: 0.25% above regularly offered 60 month rate at maturity; Early Withdrawal Penalty: 6 months interest penalty on balance withdrawn. Fees could reduce earnings on account.

Rate History
No change since Oct 6, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 6, 2026: 3.25% APYOct 6, 2026Oct 13, 2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
2 Year Share and IRA Certificate
$1,000
3.25% ▲ 0.41% above New Mexico avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 0.41% above avgNationally 2.88%
Details

Regular share and IRA certificate; Minimum required deposit $1,000

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
24 Month Share Certificate - Bonus Rate
$0
3.25% ▲ 0.41% above New Mexico avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.84%▲ 0.41% above avgNationally 2.88%
Details

Relationship bonus rate (membership rate bonus conditions apply); Early Withdrawal Penalty: 180 Days Interest

Rate History
No change since Oct 13, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 13, 2026
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
300 N Main St, Clovis, NM 88101
2 Year CD Ladder
$25,000
3.20% ▲ 0.36% above New Mexico avg
View
▼
Rate3.20%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.84%▲ 0.36% above avgNationally 2.88%
Details

Initial interest rate: 1 year for 3.10%, 2 years for 3.20%, 3 years for 3.40%, 4 years for 3.45%, and 5 years for 3.50%. This is a blended first year Annual Percentage Yield (APY) of 3.38%. After the first year, the CD with an initial term of 1-year will be renewed at 0.25% above the 5-year CD rate offered at that time. Your 2-year, 3-year, 4-year, and 5-year CDs in the Ladder will continue to pay their initial interest rate until their first maturity. 6-month interest penalty on withdrawals before maturity. 10-day grace period during which you can make withdrawals with no penalty, or even add more money to your CD.

Rate History
No change since Oct 10, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 10, 2026: 3.20% APYOct 10, 2026Oct 13, 2026
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1584 Highway 264, Tse Bonito, NM 87301
24 Month Term Share Certificates
$1,000
3.20% ▲ 0.36% above New Mexico avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.84%▲ 0.36% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
1st Certificates - 24 Month
$250
3.20% ▲ 0.36% above New Mexico avg
View
▼
Rate3.15%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.84%▲ 0.36% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
24 Month IRA Certificate
$500
3.20% ▲ 0.36% above New Mexico avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.84%▲ 0.36% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
24 Month Kirby Kid Certificates
$500
3.20% ▲ 0.36% above New Mexico avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.84%▲ 0.36% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
24 Month Term Share Certificates (TSC)
$1,000
3.20% ▲ 0.36% above New Mexico avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.84%▲ 0.36% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 13, 2026
Mountain Star Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
210 E Idaho Ave, Las Cruces, NM 88005 3279
24 Month CD
$1,000
3.05% ▲ 0.21% above New Mexico avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 0.21% above avgNationally 2.88%
Details

Early withdrawal penalties apply.

Rate History
No change since Sep 16, 2026 · 3.05% APY · checked 5 times
2.55%3.05%3.55%Sep 16, 2026: 3.05% APYSep 16, 2026Oct 13, 2026
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1375 E Boutz Rd, Las Cruces, NM 88001 5305
24 Month Share Certificates
$500
3.04% ▲ 0.20% above New Mexico avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▲ 0.20% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 3.04% APY · checked 3 times
2.54%3.04%3.54%Sep 25, 2026: 3.04% APYSep 25, 2026Oct 13, 2026
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 New Mexico avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▼ 0.05% below avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 2.79% APY · checked 4 times
2.29%2.79%3.29%Sep 20, 2026: 2.79% APYSep 20, 2026Oct 13, 2026
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Share Certificate - 24 Month
$0
2.75% ▼ 0.09% below New Mexico avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.84%▼ 0.09% below avgNationally 2.88%
Details

Early withdrawal penalty: 180 Days Interest; Quarterly dividends

Rate History
1 change since Sep 14, 2026 · 2.12% → 2.75% ▲ 0.63 pts · high 2.75% / low 2.12%
1.49%2.44%3.38%Sep 14, 2026: 2.12% APYOct 13, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20262.75%▲ from 2.12%
  • Sep 14, 20262.12%first recorded
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
2.68% ▼ 0.16% below New Mexico avg
View
▼
Rate2.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▼ 0.16% below avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 2.52% → 2.68% ▲ 0.16 pts · high 2.68% / low 2.52%
2.02%2.60%3.18%Sep 14, 2026: 2.52% APYSep 24, 2026: 2.65% APYOct 8, 2026: 2.68% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20262.68%▲ from 2.65%
  • Sep 24, 20262.65%▲ from 2.52%
  • Sep 14, 20262.52%first recorded
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
2.65% ▼ 0.19% below New Mexico avg
View
▼
Rate2.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▼ 0.19% below avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 2.52% → 2.65% ▲ 0.13 pts · high 2.65% / low 2.52%
2.02%2.59%3.15%Sep 14, 2026: 2.52% APYSep 24, 2026: 2.65% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20262.65%▲ from 2.52%
  • Sep 14, 20262.52%first recorded
Citizens Bank of Clovis
Institution Rating:
A4.8 ★Texas Ratio: 8.65%
421 Pile St, Clovis, NM 88101
1 1/2 Year Certificate of Deposit
$1,000
2.53% ▼ 0.31% below New Mexico avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.84%▼ 0.31% below avgNationally 2.88%
Details

Compounded Monthly

Rate History
No change since Oct 8, 2026 · 2.53% APY · checked 2 times
2.03%2.53%3.03%Oct 8, 2026: 2.53% APYOct 8, 2026Oct 13, 2026

New Mexico 36 Month CD Rates

MonitorBankRates New Mexico Average · 36 Month CD2.75% APY▲ 0.06% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in New Mexico is 2.75% APY, compared with 2.81% nationally, as of October 13, 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: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
36 Month Certificates and IRA Certificates
$100,000
4.18% ▲ 1.43% above New Mexico avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.75%▲ 1.43% above avgNationally 2.81%
Details

Balance: $100,000+ Minimum Balance to obtain APY

Rate History
No change since Oct 9, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Oct 9, 2026: 4.18% APYOct 9, 2026Oct 13, 2026
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
Business Certificates - 36 month
$100,000
4.18% ▲ 1.43% above New Mexico avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.75%▲ 1.43% above avgNationally 2.81%
Details

$100,000+ Minimum Balance to obtain APY; Penalty may be imposed for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 3.25% → 4.18% ▲ 0.93 pts · high 4.18% / low 3.25%
2.32%3.72%5.11%Sep 14, 2026: 3.25% APYOct 9, 2026: 4.13% APYOct 13, 2026: 4.18% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.18%▲ from 4.13%
  • Oct 9, 20264.13%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2600 San Pedro Dr NE, Albuquerque, NM 87110
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.40% above New Mexico avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.75%▲ 1.40% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
36 Month Business Certificates
$10,000
4.13% ▲ 1.38% above New Mexico avg
View
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.75%▲ 1.38% above avgNationally 2.81%
Details

Balance: $10,000+ minimum balance to obtain APY; Minimum balance to open $10,000

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.13% ▲ 0.88 pts · high 4.13% / low 3.25%
2.37%3.69%5.01%Sep 14, 2026: 3.25% APYOct 13, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.13%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
36 Month Certificates and IRA Certificates
$10,000
4.13% ▲ 1.38% above New Mexico avg
View
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.75%▲ 1.38% above avgNationally 2.81%
Details

$10,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $10,000

Rate History
No change since Oct 9, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Oct 9, 2026: 4.13% APYOct 9, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2600 San Pedro Dr NE, Albuquerque, NM 87110
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.35% above New Mexico avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.75%▲ 1.35% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
36 Month Business Certificates
$1,000
4.08% ▲ 1.33% above New Mexico avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.75%▲ 1.33% above avgNationally 2.81%
Details

Balance: $1,000+ minimum to obtain APY; Minimum balance to open $1,000

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.08% ▲ 0.83 pts · high 4.08% / low 3.25%
2.42%3.67%4.91%Sep 14, 2026: 3.25% APYOct 13, 2026: 4.08% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.08%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
36 Month Certificates and IRA Certificates
$1,000
4.08% ▲ 1.33% above New Mexico avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.75%▲ 1.33% above avgNationally 2.81%
Details

Balance: $1,000+ minimum balance to obtain APY; Minimum Balance to Open of $1,000; Early withdrawal penalty may apply

Rate History
No change since Oct 9, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 9, 2026: 4.08% APYOct 9, 2026Oct 13, 2026
Santa Fe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
7101 JEFFERSON ST NE, ALBUQUERQUE, NM 87109 4375
6-36 Month Certificates of Deposit
$500
4.07% ▲ 1.32% above New Mexico avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 1.32% above avgNationally 2.81%
Details

Our highest dividends

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.07% ▲ 0.62 pts · high 4.07% / low 3.45%
2.83%3.76%4.70%Sep 14, 2026: 3.45% APYOct 4, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.07%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
4100 Pan American FWY NE, Albuquerque, NM 87107
IRA Certificates - 36-Month Bump
$0
3.80% ▲ 1.05% above New Mexico avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 1.05% above avgNationally 2.81%
Details

IRA; Bump

Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 8, 2026: 3.80% APYOct 8, 2026Oct 13, 2026
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
4100 Pan American FWY NE, Albuquerque, NM 87107
Share Certificate - 36-Month Bump
$0
3.80% ▲ 1.05% above New Mexico avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 1.05% above avgNationally 2.81%
Details

Regular; Bump

Rate History
No change since Oct 8, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 8, 2026: 3.80% APYOct 8, 2026Oct 13, 2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
Jumbo Share and IRA Certificate - 3 Year - Loyalty
$25,000
3.67% ▲ 0.92% above New Mexico avg
View
▼
Rate3.60%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.92% above avgNationally 2.81%
Details

Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate

Rate History
1 change since Sep 17, 2026 · 3.56% → 3.67% ▲ 0.11 pts · high 3.67% / low 3.56%
3.06%3.62%4.17%Sep 17, 2026: 3.56% APYOct 12, 2026: 3.67% APYSep 17, 2026Oct 13, 2026
  • Oct 12, 20263.67%▲ from 3.56%
  • Sep 17, 20263.56%first recorded
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3707 Juan Tabo Blvd NE, Albuquerque, NM 87111
36 Month Term Certificates
$0
3.65% ▲ 0.90% above New Mexico avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.90% above avgNationally 2.81%
Details

Dividend Rate 3.59%; APY if dividends are not withdrawn during the term

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
New Share / IRA Certificates - 36 months
$0
3.60% ▲ 0.85% above New Mexico avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.85% above avgNationally 2.81%
Details

Effective August 21, 2026; Early withdrawal penalties apply

Rate History
No change since Oct 12, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 12, 2026: 3.60% APYOct 12, 2026Oct 13, 2026
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
Share / IRA Certificate - 36 months
$1,000
3.60% ▲ 0.85% above New Mexico avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.85% above avgNationally 2.81%
Details

Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.54%; Early withdrawal penalties apply

Rate History
No change since Oct 12, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 12, 2026: 3.60% APYOct 12, 2026Oct 13, 2026
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
300 N Main St, Clovis, NM 88101
3-year IRA
$100
3.56% ▲ 0.81% above New Mexico avg
View
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.75%▲ 0.81% above avgNationally 2.81%
Details

Other Fee(s) / Penalties: 3 months interest on amount withdrawn

Rate History
No change since Sep 30, 2026 · 3.56% APY · checked 4 times
3.06%3.56%4.06%Sep 30, 2026: 3.56% APYSep 30, 2026Oct 13, 2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
3 Year Share and IRA Certificate - Loyalty
$1,000
3.56% ▲ 0.81% above New Mexico avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.81% above avgNationally 2.81%
Details

Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $1,000

Rate History
No change since Oct 8, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 8, 2026: 3.56% APYOct 8, 2026Oct 13, 2026
First National Bank Alamogordo, NM
Institution Rating:
F1.2 ★Texas Ratio: 43.89%
414 10th St, Alamogordo, NM 88310
IRA 36 Month
$500
3.53% ▲ 0.78% above New Mexico avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.78% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 3 times
3.03%3.53%4.03%Sep 14, 2026: 3.53% APYSep 14, 2026Oct 13, 2026
First National Bank Alamogordo, NM
Institution Rating:
F1.2 ★Texas Ratio: 43.89%
414 10th St, Alamogordo, NM 88310
ROTH 36 Month
$500
3.53% ▲ 0.78% above New Mexico avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.78% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 3 times
3.03%3.53%4.03%Sep 14, 2026: 3.53% APYSep 14, 2026Oct 13, 2026
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
321 S Main Ave, Aztec, NM 87410 2124
Certificate of Deposit - 36 Months
$0
3.51% ▲ 0.76% above New Mexico avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.75%▲ 0.76% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 18, 2026 · 3.51% → 3.51% ▲ 0.00 pts · high 3.51% / low 3.51%
3.01%3.51%4.01%Sep 18, 2026: 3.51% APYSep 22, 2026: 3.51% APYOct 1, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.51%▲ from 3.51%
  • Sep 22, 20263.51%▼ from 3.51%
  • Sep 18, 20263.51%first recorded
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
2514 N Main St, Roswell, NM 88201
Certificate of Deposit (CD) - 36 Months
$0
3.50% ▲ 0.75% above New Mexico avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.75% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 90 Days

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
210 N 5th St, Artesia, NM 88210 2000
Share Certificates - 36 month
$5,000
3.49% ▲ 0.74% above New Mexico avg
View
▼
Rate3.45%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.75%▲ 0.74% above avgNationally 2.81%
Details

Dividend Rate: 3.45%; Early Withdrawal Penalty- 90 Days; Dividend rates effective April 1, 2025; Certificates which are automatically renewed will receive the rate in effect on the renewal date

Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 2 times
2.99%3.49%3.99%Sep 14, 2026: 3.49% APYSep 14, 2026Oct 13, 2026
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
300 N Main St, Clovis, NM 88101
3-year CD
$5,000
3.45% ▲ 0.70% above New Mexico avg
View
▼
Rate3.40%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.75%▲ 0.70% above avgNationally 2.81%
Details

Other Fee(s) / Early Withdrawal Penalties: 3 months interest on amount withdrawn

Rate History
No change since Sep 30, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Sep 30, 2026: 3.45% APYSep 30, 2026Oct 13, 2026
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
300 N Main St, Clovis, NM 88101
3-Year Ladder CD
$5,000
3.45% ▲ 0.70% above New Mexico avg
View
▼
Rate3.40%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.75%▲ 0.70% above avgNationally 2.81%
Details

Renewal Term: 60 months from initial maturity; Renewal Rate: 0.25% above regularly offered 60 month rate at maturity; Early Withdrawal Penalty: 6 months interest penalty on balance withdrawn. Fees could reduce earnings on account.

Rate History
No change since Oct 6, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 6, 2026: 3.45% APYOct 6, 2026Oct 13, 2026
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
614 Alta Vista St, Santa Fe, NM 87505
36-Month Share Certificate
$500
3.45% ▲ 0.70% above New Mexico avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.70% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 8, 2026: 3.45% APYOct 8, 2026Oct 13, 2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
Jumbo Share and IRA Certificate - 3 Year
$25,000
3.45% ▲ 0.70% above New Mexico avg
View
▼
Rate3.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.70% above avgNationally 2.81%
Details

Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35%
2.85%3.40%3.95%Sep 14, 2026: 3.35% APYOct 12, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.45%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Railroad Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
300 N 6th St, Belen, NM 87002
Term Share Account - 36 Month
$1,000
3.44% ▲ 0.69% above New Mexico avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.75%▲ 0.69% above avgNationally 2.81%
Details

Early withdrawal penalty: 180 Days interest on amount withdrawn; Fixed rate dividends

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 6 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 13, 2026
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
300 N Main St, Clovis, NM 88101
3 Year CD Ladder
$25,000
3.40% ▲ 0.65% above New Mexico avg
View
▼
Rate3.40%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.75%▲ 0.65% above avgNationally 2.81%
Details

Initial interest rate: 1 year for 3.10%, 2 years for 3.20%, 3 years for 3.40%, 4 years for 3.45%, and 5 years for 3.50%. This is a blended first year Annual Percentage Yield (APY) of 3.38%. After the first year, the CD with an initial term of 1-year will be renewed at 0.25% above the 5-year CD rate offered at that time. Your 2-year, 3-year, 4-year, and 5-year CDs in the Ladder will continue to pay their initial interest rate until their first maturity. 6-month interest penalty on withdrawals before maturity. 10-day grace period during which you can make withdrawals with no penalty, or even add more money to your CD.

Rate History
No change since Oct 10, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 10, 2026: 3.40% APYOct 10, 2026Oct 13, 2026
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
4170 Northrise, Las Cruces, NM 88011
3 Year Boost Term Share
$500
3.40% ▲ 0.65% above New Mexico avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.65% above avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 25, 2026: 3.40% APYSep 25, 2026Oct 13, 2026
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
4170 Northrise, Las Cruces, NM 88011
36 Month Boost Term Share
$100,000
3.40% ▲ 0.65% above New Mexico avg
View
▼
Rate3.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.65% above avgNationally 2.81%
Details

Jumbo CD

Rate History
No change since Sep 25, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Sep 25, 2026: 3.40% APYSep 25, 2026Oct 13, 2026
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
36 Month IRA Share Certificates
$500
3.40% ▲ 0.65% above New Mexico avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.75%▲ 0.65% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
36 Month Share Certificates
$500
3.40% ▲ 0.65% above New Mexico avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.75%▲ 0.65% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
3 Year Share and IRA Certificate
$1,000
3.35% ▲ 0.60% above New Mexico avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.60% above avgNationally 2.81%
Details

Regular share and IRA certificate; Minimum required deposit $1,000

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 13, 2026
Financial Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1105 W Pierce St, Carlsbad, NM 88220 4014
3 Year Term
$0
3.34% ▲ 0.59% above New Mexico avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.75%▲ 0.59% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.34% APY · checked 6 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APYSep 14, 2026Oct 13, 2026
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
36 Month Certificate of Deposit
$500
3.29% ▲ 0.54% above New Mexico avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.75%▲ 0.54% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 3 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1375 E Boutz Rd, Las Cruces, NM 88001 5305
36 Month Share Certificates
$500
3.09% ▲ 0.34% above New Mexico avg
View
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▲ 0.34% above avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 3.09% APY · checked 3 times
2.59%3.09%3.59%Sep 25, 2026: 3.09% APYSep 25, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
36 Month Term Share/IRA Jumbo Certificates
$0
3.09% ▲ 0.34% above New Mexico avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.75%▲ 0.34% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 5 times
2.59%3.09%3.59%Sep 14, 2026: 3.09% APYSep 14, 2026Oct 13, 2026
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
36 Month Share Certificate - Bonus Rate
$0
3.07% ▲ 0.32% above New Mexico avg
View
▼
Rate3.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.75%▲ 0.32% above avgNationally 2.81%
Details

Relationship bonus rate (membership rate bonus conditions apply); Early Withdrawal Penalty: 180 Days Interest

Rate History
No change since Oct 13, 2026 · 3.07% APY
2.57%3.07%3.57%Oct 13, 2026: 3.07% APYOct 13, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
1st Certificates - 36 Month
$250
2.99% ▲ 0.24% above New Mexico avg
View
▼
Rate2.95%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.75%▲ 0.24% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.99% APY · checked 4 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APYSep 14, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
36 Month IRA Certificate
$500
2.99% ▲ 0.24% above New Mexico avg
View
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.75%▲ 0.24% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.99% APY · checked 4 times
2.49%2.99%3.49%Sep 18, 2026: 2.99% APYSep 18, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
36 Month Kirby Kid Certificates
$500
2.99% ▲ 0.24% above New Mexico avg
View
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.75%▲ 0.24% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.99% APY · checked 4 times
2.49%2.99%3.49%Sep 18, 2026: 2.99% APYSep 18, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
36 Month Term Share Certificates (TSC)
$1,000
2.99% ▲ 0.24% above New Mexico avg
View
▼
Rate2.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.75%▲ 0.24% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.99% APY · checked 4 times
2.49%2.99%3.49%Sep 18, 2026: 2.99% APYSep 18, 2026Oct 13, 2026
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Share Certificates - 36 Month
$0
2.90% ▲ 0.15% above New Mexico avg
View
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.75%▲ 0.15% above avgNationally 2.81%
Details

Bonus Rate: 3.40%; Early Withdrawal Penalty: 180 Days Interest; Bonus conditions: Active Checking Account +0.10%, Full Direct Deposit +0.10%, Active SECU Credit Card +0.10%, Active Consumer Loan +0.10%, Current Mortgage +0.10%

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 2 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
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% ▼ 0.12% below New Mexico avg
View
▼
Rate2.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▼ 0.12% below avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 2.63% APY · checked 4 times
2.13%2.63%3.13%Sep 20, 2026: 2.63% APYSep 20, 2026Oct 13, 2026
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Share Certificate - 36 Month
$0
2.57% ▼ 0.18% below New Mexico avg
View
▼
Rate2.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.75%▼ 0.18% below avgNationally 2.81%
Details

Early withdrawal penalty: 180 Days Interest; Quarterly dividends

Rate History
1 change since Sep 14, 2026 · 2.22% → 2.57% ▲ 0.35 pts · high 2.57% / low 2.22%
1.72%2.40%3.07%Sep 14, 2026: 2.22% APYOct 13, 2026: 2.57% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20262.57%▲ from 2.22%
  • Sep 14, 20262.22%first recorded
Mountain Star Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
210 E Idaho Ave, Las Cruces, NM 88005 3279
36 Month CD
$1,000
2.53% ▼ 0.22% below New Mexico avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▼ 0.22% below avgNationally 2.81%
Details

Early withdrawal penalties apply.

Rate History
No change since Sep 16, 2026 · 2.53% APY · checked 5 times
2.03%2.53%3.03%Sep 16, 2026: 2.53% APYSep 16, 2026Oct 13, 2026
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
220 N Telshor Blvd, Las Cruces, NM 88011
36 Month Certificate
$1,000
2.50% ▼ 0.25% below New Mexico avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▼ 0.25% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1584 Highway 264, Tse Bonito, NM 87301
36 Month Term Share Certificates
$1,000
2.50% ▼ 0.25% below New Mexico avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.75%▼ 0.25% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 13, 2026
US Eagle Federal Credit Union
Institution Rating:
F2.6 ★Texas Ratio: 44.42%
3939 Osuna Rd NE, Albuquerque, NM 87109 4431
36 Month Certificate
$0
2.40% ▼ 0.35% below New Mexico avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.75%▼ 0.35% below avgNationally 2.81%
Details

MemPerx Max Benefit: 2.91%

Rate History
No change since Sep 25, 2026 · 2.40% APY · checked 4 times
1.90%2.40%2.90%Sep 25, 2026: 2.40% APYSep 25, 2026Oct 13, 2026
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
36-Month Certificate of Deposit
$1,000
2.38% ▼ 0.37% below New Mexico avg
View
▼
Rate2.36%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Mexico Average2.75%▼ 0.37% below avgNationally 2.81%
Details

Balances Over $1,000

Rate History
No change since Oct 7, 2026 · 2.38% APY · checked 2 times
1.88%2.38%2.88%Oct 7, 2026: 2.38% APYOct 7, 2026Oct 13, 2026

New Mexico 48 Month CD Rates

MonitorBankRates New Mexico Average · 48 Month CD2.65% APY▲ 0.04% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in New Mexico is 2.65% APY, compared with 2.80% nationally, as of October 13, 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: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
48 Month Certificates and IRA Certificates
$100,000
4.18% ▲ 1.53% above New Mexico avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.65%▲ 1.53% above avgNationally 2.80%
Details

Balance: $100,000+ Minimum Balance to obtain APY

Rate History
No change since Oct 9, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Oct 9, 2026: 4.18% APYOct 9, 2026Oct 13, 2026
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
Business Certificates - 48 month
$100,000
4.18% ▲ 1.53% above New Mexico avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.65%▲ 1.53% above avgNationally 2.80%
Details

$100,000+ Minimum Balance to obtain APY; Penalty may be imposed for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 3.15% → 4.18% ▲ 1.03 pts · high 4.18% / low 3.15%
2.12%3.66%5.21%Sep 14, 2026: 3.15% APYOct 9, 2026: 4.13% APYOct 13, 2026: 4.18% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.18%▲ from 4.13%
  • Oct 9, 20264.13%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
48 Month Business Certificates
$10,000
4.13% ▲ 1.48% above New Mexico avg
View
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.65%▲ 1.48% above avgNationally 2.80%
Details

Balance: $10,000+ minimum balance to obtain APY; Minimum balance to open $10,000

Rate History
1 change since Sep 14, 2026 · 3.15% → 4.13% ▲ 0.98 pts · high 4.13% / low 3.15%
2.17%3.64%5.11%Sep 14, 2026: 3.15% APYOct 13, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.13%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
48 Month Certificates and IRA Certificates
$10,000
4.13% ▲ 1.48% above New Mexico avg
View
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.65%▲ 1.48% above avgNationally 2.80%
Details

$10,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $10,000

Rate History
No change since Oct 9, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Oct 9, 2026: 4.13% APYOct 9, 2026Oct 13, 2026
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
48 Month Business Certificates
$1,000
4.08% ▲ 1.43% above New Mexico avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.65%▲ 1.43% above avgNationally 2.80%
Details

Balance: $1,000+ minimum to obtain APY; Minimum balance to open $1,000

Rate History
1 change since Sep 14, 2026 · 3.15% → 4.08% ▲ 0.93 pts · high 4.08% / low 3.15%
2.22%3.61%5.01%Sep 14, 2026: 3.15% APYOct 13, 2026: 4.08% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.08%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
48 Month Certificates and IRA Certificates
$1,000
4.08% ▲ 1.43% above New Mexico avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.65%▲ 1.43% above avgNationally 2.80%
Details

Balance: $1,000+ minimum balance to obtain APY; Minimum Balance to Open of $1,000; Early withdrawal penalty may apply

Rate History
No change since Oct 9, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 9, 2026: 4.08% APYOct 9, 2026Oct 13, 2026
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
4100 Pan American FWY NE, Albuquerque, NM 87107
IRA Certificates - 48-Month
$0
3.85% ▲ 1.20% above New Mexico avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▲ 1.20% above avgNationally 2.80%
Details

IRA

Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 25, 2026: 3.85% APYSep 25, 2026Oct 13, 2026
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
4100 Pan American FWY NE, Albuquerque, NM 87107
Share Certificate - 48-Month
$0
3.85% ▲ 1.20% above New Mexico avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▲ 1.20% above avgNationally 2.80%
Details

Regular

Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 25, 2026: 3.85% APYSep 25, 2026Oct 13, 2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
Jumbo Share and IRA Certificate - 4 Year - Loyalty
$25,000
3.72% ▲ 1.07% above New Mexico avg
View
▼
Rate3.65%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▲ 1.07% above avgNationally 2.80%
Details

Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate

Rate History
1 change since Sep 17, 2026 · 3.61% → 3.72% ▲ 0.11 pts · high 3.72% / low 3.61%
3.11%3.67%4.22%Sep 17, 2026: 3.61% APYOct 12, 2026: 3.72% APYSep 17, 2026Oct 13, 2026
  • Oct 12, 20263.72%▲ from 3.61%
  • Sep 17, 20263.61%first recorded
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
New Share / IRA Certificates - 48 months
$0
3.65% ▲ 1.00% above New Mexico avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▲ 1.00% above avgNationally 2.80%
Details

Effective August 21, 2026; Early withdrawal penalties apply

Rate History
No change since Oct 12, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 12, 2026: 3.65% APYOct 12, 2026Oct 13, 2026
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
Share / IRA Certificate - 48 months
$1,000
3.65% ▲ 1.00% above New Mexico avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▲ 1.00% above avgNationally 2.80%
Details

Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.59%; Early withdrawal penalties apply

Rate History
No change since Oct 12, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 12, 2026: 3.65% APYOct 12, 2026Oct 13, 2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
4 Year Share and IRA Certificate - Loyalty
$1,000
3.61% ▲ 0.96% above New Mexico avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▲ 0.96% above avgNationally 2.80%
Details

Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $1,000

Rate History
No change since Oct 8, 2026 · 3.61% APY · checked 2 times
3.11%3.61%4.11%Oct 8, 2026: 3.61% APYOct 8, 2026Oct 13, 2026
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
4170 Northrise, Las Cruces, NM 88011
4 Year Boost Term Share
$500
3.56% ▲ 0.91% above New Mexico avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▲ 0.91% above avgNationally 2.80%
Details

Rate History
1 change since Sep 25, 2026 · 3.45% → 3.56% ▲ 0.11 pts · high 3.56% / low 3.45%
2.95%3.51%4.06%Sep 25, 2026: 3.45% APYOct 4, 2026: 3.56% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20263.56%▲ from 3.45%
  • Sep 25, 20263.45%first recorded
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
4170 Northrise, Las Cruces, NM 88011
48 Month Boost Term Share
$100,000
3.56% ▲ 0.91% above New Mexico avg
View
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▲ 0.91% above avgNationally 2.80%
Details

Jumbo CD

Rate History
1 change since Sep 25, 2026 · 3.45% → 3.56% ▲ 0.11 pts · high 3.56% / low 3.45%
2.95%3.51%4.06%Sep 25, 2026: 3.45% APYOct 4, 2026: 3.56% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20263.56%▲ from 3.45%
  • Sep 25, 20263.45%first recorded
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
300 N Main St, Clovis, NM 88101
4-Year Ladder CD
$5,000
3.51% ▲ 0.86% above New Mexico avg
View
▼
Rate3.45%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.65%▲ 0.86% above avgNationally 2.80%
Details

Renewal Term: 60 months from initial maturity; Renewal Rate: 0.25% above regularly offered 60 month rate at maturity; Early Withdrawal Penalty: 6 months interest penalty on balance withdrawn. Fees could reduce earnings on account.

Rate History
No change since Oct 6, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 6, 2026: 3.51% APYOct 6, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3707 Juan Tabo Blvd NE, Albuquerque, NM 87111
48 Month Term Certificates
$0
3.51% ▲ 0.86% above New Mexico avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▲ 0.86% above avgNationally 2.80%
Details

Dividend Rate 3.45%; APY if dividends are not withdrawn during the term

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
Jumbo Share and IRA Certificate - 4 Year
$25,000
3.50% ▲ 0.85% above New Mexico avg
View
▼
Rate3.45%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▲ 0.85% above avgNationally 2.80%
Details

Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Sep 14, 2026: 3.40% APYOct 12, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.50%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
210 N 5th St, Artesia, NM 88210 2000
Share Certificates - 48 month
$5,000
3.49% ▲ 0.84% above New Mexico avg
View
▼
Rate3.45%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.65%▲ 0.84% above avgNationally 2.80%
Details

Dividend Rate: 3.45%; Early Withdrawal Penalty- 90 Days; Dividend rates effective April 1, 2025; Certificates which are automatically renewed will receive the rate in effect on the renewal date

Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 2 times
2.99%3.49%3.99%Sep 14, 2026: 3.49% APYSep 14, 2026Oct 13, 2026
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
300 N Main St, Clovis, NM 88101
4 Year CD Ladder
$25,000
3.45% ▲ 0.80% above New Mexico avg
View
▼
Rate3.45%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.65%▲ 0.80% above avgNationally 2.80%
Details

Initial interest rate: 1 year for 3.10%, 2 years for 3.20%, 3 years for 3.40%, 4 years for 3.45%, and 5 years for 3.50%. This is a blended first year Annual Percentage Yield (APY) of 3.38%. After the first year, the CD with an initial term of 1-year will be renewed at 0.25% above the 5-year CD rate offered at that time. Your 2-year, 3-year, 4-year, and 5-year CDs in the Ladder will continue to pay their initial interest rate until their first maturity. 6-month interest penalty on withdrawals before maturity. 10-day grace period during which you can make withdrawals with no penalty, or even add more money to your CD.

Rate History
No change since Oct 10, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 10, 2026: 3.45% APYOct 10, 2026Oct 13, 2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
4 Year Share and IRA Certificate
$1,000
3.40% ▲ 0.75% above New Mexico avg
View
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▲ 0.75% above avgNationally 2.80%
Details

Regular share and IRA certificate; Minimum required deposit $1,000

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
321 S Main Ave, Aztec, NM 87410 2124
Certificate of Deposit - 48 Months
$0
3.40% ▲ 0.75% above New Mexico avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.65%▲ 0.75% above avgNationally 2.80%
Details

Rate History
2 changes since Sep 18, 2026 · 3.40% → 3.40% ▼ 0.00 pts · high 3.40% / low 3.40%
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 22, 2026: 3.40% APYOct 1, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.40%▼ from 3.40%
  • Sep 22, 20263.40%▼ from 3.40%
  • Sep 18, 20263.40%first recorded
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
48 Month IRA Share Certificates
$500
3.35% ▲ 0.70% above New Mexico avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.65%▲ 0.70% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
48 Month Share Certificates
$500
3.35% ▲ 0.70% above New Mexico avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.65%▲ 0.70% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
48 Month Certificate of Deposit
$500
3.29% ▲ 0.64% above New Mexico avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.65%▲ 0.64% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 3 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1375 E Boutz Rd, Las Cruces, NM 88001 5305
48 Month Share Certificates
$1,000
3.20% ▲ 0.55% above New Mexico avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▲ 0.55% above avgNationally 2.80%
Details

Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 25, 2026: 3.20% APYSep 25, 2026Oct 13, 2026
Railroad Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
300 N 6th St, Belen, NM 87002
Term Share Account - 48 Month
$1,000
3.14% ▲ 0.49% above New Mexico avg
View
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.65%▲ 0.49% above avgNationally 2.80%
Details

Early withdrawal penalty: 180 Days interest on amount withdrawn; Fixed rate dividends

Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 6 times
2.64%3.14%3.64%Sep 14, 2026: 3.14% APYSep 14, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
48 Month Term Share/IRA Jumbo Certificates
$0
3.14% ▲ 0.49% above New Mexico avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.65%▲ 0.49% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 5 times
2.64%3.14%3.64%Sep 14, 2026: 3.14% APYSep 14, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
1st Certificates - 48 Month
$250
3.04% ▲ 0.39% above New Mexico avg
View
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.65%▲ 0.39% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
48 Month IRA Certificate
$500
3.04% ▲ 0.39% above New Mexico avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.65%▲ 0.39% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
48 Month Kirby Kid Certificates
$500
3.04% ▲ 0.39% above New Mexico avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.65%▲ 0.39% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
48 Month Term Share Certificates (TSC)
$1,000
3.04% ▲ 0.39% above New Mexico avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.65%▲ 0.39% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 13, 2026
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Share Certificates - 48 Month
$0
3.00% ▲ 0.35% above New Mexico avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.65%▲ 0.35% above avgNationally 2.80%
Details

Bonus Rate: 3.50%; Early Withdrawal Penalty: 270 Days Interest; Bonus conditions: Active Checking Account +0.10%, Full Direct Deposit +0.10%, Active SECU Credit Card +0.10%, Active Consumer Loan +0.10%, Current Mortgage +0.10%

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
48 Month Share Certificate - Bonus Rate
$0
2.87% ▲ 0.22% above New Mexico avg
View
▼
Rate2.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.65%▲ 0.22% above avgNationally 2.80%
Details

Relationship bonus rate (membership rate bonus conditions apply); Rising Rate Option available; Early Withdrawal Penalty: 270 Days Interest

Rate History
No change since Oct 13, 2026 · 2.87% APY
2.37%2.87%3.37%Oct 13, 2026: 2.87% APYOct 13, 2026Oct 13, 2026
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
614 Alta Vista St, Santa Fe, NM 87505
48-Month Share Certificate
$500
2.84% ▲ 0.19% above New Mexico avg
View
▼
Rate2.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▲ 0.19% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 2.84% APY · checked 2 times
2.34%2.84%3.34%Oct 8, 2026: 2.84% APYOct 8, 2026Oct 13, 2026
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% ▼ 0.12% below New Mexico avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▼ 0.12% below avgNationally 2.80%
Details

Rate History
No change since Sep 20, 2026 · 2.53% APY · checked 4 times
2.03%2.53%3.03%Sep 20, 2026: 2.53% APYSep 20, 2026Oct 13, 2026
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
48-Month Certificate of Deposit
$1,000
2.50% ▼ 0.15% below New Mexico avg
View
▼
Rate2.48%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New Mexico Average2.65%▼ 0.15% below avgNationally 2.80%
Details

Balances Over $1,000

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 13, 2026
Southwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
220 N Telshor Blvd, Las Cruces, NM 88011
48 Month Certificate
$1,000
2.50% ▼ 0.15% below New Mexico avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▼ 0.15% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
16 Road 6500, Kirtland, NM 87417
Jumbo Certificate - 4 Year
$25,000
2.50% ▼ 0.15% below New Mexico avg
View
▼
Rate2.50%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.65%▼ 0.15% below avgNationally 2.80%
Details

Effective as of May 1, 2023; Dividend Rate

Rate History
No change since Sep 21, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 21, 2026: 2.50% APYSep 21, 2026Oct 13, 2026
First American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
1584 Highway 264, Tse Bonito, NM 87301
48 Month Term Share Certificates
$1,000
2.50% ▼ 0.15% below New Mexico avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.65%▼ 0.15% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 13, 2026
US Eagle Federal Credit Union
Institution Rating:
F2.6 ★Texas Ratio: 44.42%
3939 Osuna Rd NE, Albuquerque, NM 87109 4431
48 Month Certificate
$0
2.40% ▼ 0.25% below New Mexico avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▼ 0.25% below avgNationally 2.80%
Details

MemPerx Max Benefit: 2.91%

Rate History
No change since Sep 25, 2026 · 2.40% APY · checked 4 times
1.90%2.40%2.90%Sep 25, 2026: 2.40% APYSep 25, 2026Oct 13, 2026
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Share Certificate - 48 Month
$0
2.37% ▼ 0.28% below New Mexico avg
View
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.65%▼ 0.28% below avgNationally 2.80%
Details

Early withdrawal penalty: 270 Days Interest; Quarterly dividends; Rising Rate option available

Rate History
1 change since Sep 14, 2026 · 2.32% → 2.37% ▲ 0.05 pts · high 2.37% / low 2.32%
1.82%2.34%2.87%Sep 14, 2026: 2.32% APYOct 13, 2026: 2.37% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20262.37%▲ from 2.32%
  • Sep 14, 20262.32%first recorded
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% ▼ 0.33% below New Mexico avg
View
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▼ 0.33% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.32% APY · checked 3 times
1.82%2.32%2.82%Sep 14, 2026: 2.32% APYSep 14, 2026Oct 13, 2026
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
48 Month Share Certificates
$0
2.32% ▼ 0.33% below New Mexico avg
View
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.65%▼ 0.33% below avgNationally 2.80%
Details

Balance: $1,000; Early withdrawal penalty: 270 Days Interest

Rate History
No change since Oct 9, 2026 · 2.32% APY · checked 2 times
1.82%2.32%2.82%Oct 9, 2026: 2.32% APYOct 9, 2026Oct 13, 2026
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
2.17% ▼ 0.48% below New Mexico avg
View
▼
Rate2.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▼ 0.48% below avgNationally 2.80%
Details

Rate History
2 changes since Sep 14, 2026 · 2.02% → 2.17% ▲ 0.15 pts · high 2.17% / low 2.02%
1.52%2.09%2.67%Sep 14, 2026: 2.02% APYSep 24, 2026: 2.15% APYOct 8, 2026: 2.17% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20262.17%▲ from 2.15%
  • Sep 24, 20262.15%▲ from 2.02%
  • Sep 14, 20262.02%first recorded
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
2.15% ▼ 0.50% below New Mexico avg
View
▼
Rate2.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▼ 0.50% below avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.02% → 2.15% ▲ 0.13 pts · high 2.15% / low 2.02%
1.52%2.09%2.65%Sep 14, 2026: 2.02% APYSep 24, 2026: 2.15% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20262.15%▲ from 2.02%
  • Sep 14, 20262.02%first recorded
US Eagle Federal Credit Union
Institution Rating:
F2.6 ★Texas Ratio: 44.42%
3939 Osuna Rd NE, Albuquerque, NM 87109 4431
48 Month IRA Certificate
$0
2.15% ▼ 0.50% below New Mexico avg
View
▼
Rate2.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.65%▼ 0.50% below avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 2.15% APY · checked 2 times
1.65%2.15%2.65%Oct 8, 2026: 2.15% APYOct 8, 2026Oct 13, 2026
LOCO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.67%
808 Washington Ave, Alamogordo, NM 88310 5166
48 Month Jumbo Certificate
$0
2.12% ▼ 0.53% below New Mexico avg
View
▼
Rate2.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.65%▼ 0.53% below avgNationally 2.80%
Details

Balance: Over $100,000; 90 Day penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 2.12% APY · checked 7 times
1.62%2.12%2.62%Sep 14, 2026: 2.12% APYSep 14, 2026Oct 13, 2026
LOCO Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.67%
808 Washington Ave, Alamogordo, NM 88310 5166
48 Month Certificate of Deposit
$0
2.02% ▼ 0.63% below New Mexico avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.65%▼ 0.63% below avgNationally 2.80%
Details

Balance: $1000 - $99,999.99; 90 Day penalty for early withdrawal

Rate History
No change since Oct 9, 2026 · 2.02% APY · checked 2 times
1.52%2.02%2.52%Oct 9, 2026: 2.02% APYOct 9, 2026Oct 13, 2026
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
313 W Country Club Rd Ste 11, ROSWELL, NM 88201 5804
48 Month CD
$0
2.01% ▼ 0.64% below New Mexico avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.65%▼ 0.64% below avgNationally 2.80%
Details

Early Withdrawal Penalty of 60-360 day interest depending on duration

Rate History
No change since Sep 14, 2026 · 2.01% APY · checked 8 times
1.51%2.01%2.51%Sep 14, 2026: 2.01% APYSep 14, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
5915 Wyoming Blvd Ne, Albuquerque, NM 87109
4 Year Certificate
$0
1.50% ▼ 1.15% below New Mexico avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New Mexico Average2.65%▼ 1.15% below avgNationally 2.80%
Details

Under $100,000

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 13, 2026

New Mexico 60 Month CD Rates

MonitorBankRates New Mexico Average · 60 Month CD2.83% APY▲ 0.04% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in New Mexico is 2.83% APY, compared with 2.90% nationally, as of October 13, 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
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
9200 Golf Course Rd NW, Albuquerque, NM 87114 5891
60 Month Certificate
$0
4.50% ▲ 1.67% above New Mexico avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 1.67% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
3400 NM 528 NW, Albuquerque, NM 87114
60 Month Certificate Account
$500
4.50% ▲ 1.67% above New Mexico avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 1.67% above avgNationally 2.90%
Details

Dividends credited monthly; early-withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
3400 NM 528 NW, Albuquerque, NM 87114
Regular Certificate - 60 Months
$500
4.50% ▲ 1.67% above New Mexico avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 1.67% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 14, 2026: 4.30% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
3400 NM 528 NW, Albuquerque, NM 87114
60 Month Bump-Rate Certificate
$500
4.35% ▲ 1.52% above New Mexico avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 1.52% above avgNationally 2.90%
Details

Bump-rate certificate; can increase rate once during term; dividends credited monthly; early-withdrawal penalties may apply; additional deposits up to $10,000 per calendar month

Rate History
1 change since Sep 21, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 21, 2026: 4.15% APYOct 5, 2026: 4.35% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.35%▲ from 4.15%
  • Sep 21, 20264.15%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
60 Month Certificates and IRA Certificates
$100,000
4.18% ▲ 1.35% above New Mexico avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 1.35% above avgNationally 2.90%
Details

Balance: $100,000+ Minimum Balance to obtain APY

Rate History
No change since Oct 9, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Oct 9, 2026: 4.18% APYOct 9, 2026Oct 13, 2026
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
Business Certificates - 60 month
$100,000
4.18% ▲ 1.35% above New Mexico avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 1.35% above avgNationally 2.90%
Details

$100,000+ Minimum Balance to obtain APY; Penalty may be imposed for early withdrawal

Rate History
2 changes since Sep 14, 2026 · 3.15% → 4.18% ▲ 1.03 pts · high 4.18% / low 3.15%
2.12%3.66%5.21%Sep 14, 2026: 3.15% APYOct 9, 2026: 4.13% APYOct 13, 2026: 4.18% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.18%▲ from 4.13%
  • Oct 9, 20264.13%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
60 Month Business Certificates
$10,000
4.13% ▲ 1.30% above New Mexico avg
View
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 1.30% above avgNationally 2.90%
Details

Balance: $10,000+ minimum balance to obtain APY; Minimum balance to open $10,000

Rate History
1 change since Sep 14, 2026 · 3.15% → 4.13% ▲ 0.98 pts · high 4.13% / low 3.15%
2.17%3.64%5.11%Sep 14, 2026: 3.15% APYOct 13, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.13%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
60 Month Certificates and IRA Certificates
$10,000
4.13% ▲ 1.30% above New Mexico avg
View
▼
Rate4.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 1.30% above avgNationally 2.90%
Details

$10,000+ Minimum Balance to obtain APY; Minimum Balance to Open of $10,000

Rate History
No change since Oct 9, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Oct 9, 2026: 4.13% APYOct 9, 2026Oct 13, 2026
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
60 Month Business Certificates
$1,000
4.08% ▲ 1.25% above New Mexico avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 1.25% above avgNationally 2.90%
Details

Balance: $1,000+ minimum to obtain APY; Minimum balance to open $1,000

Rate History
1 change since Sep 14, 2026 · 3.15% → 4.08% ▲ 0.93 pts · high 4.08% / low 3.15%
2.22%3.61%5.01%Sep 14, 2026: 3.15% APYOct 13, 2026: 4.08% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.08%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
3286 Cerrillos Rd, Santa Fe, NM 87507
60 Month Certificates and IRA Certificates
$1,000
4.08% ▲ 1.25% above New Mexico avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 1.25% above avgNationally 2.90%
Details

Balance: $1,000+ minimum balance to obtain APY; Minimum Balance to Open of $1,000; Early withdrawal penalty may apply

Rate History
No change since Oct 9, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 9, 2026: 4.08% APYOct 9, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2600 San Pedro Dr NE, Albuquerque, NM 87110
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 1.07% above New Mexico avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.83%▲ 1.07% above avgNationally 2.90%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 13, 2026
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
4100 Pan American FWY NE, Albuquerque, NM 87107
IRA Certificates - 60-Month
$0
3.90% ▲ 1.07% above New Mexico avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 1.07% above avgNationally 2.90%
Details

IRA

Rate History
No change since Sep 25, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 25, 2026: 3.90% APYSep 25, 2026Oct 13, 2026
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
4100 Pan American FWY NE, Albuquerque, NM 87107
Share Certificate - 60-Month
$0
3.90% ▲ 1.07% above New Mexico avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 1.07% above avgNationally 2.90%
Details

Regular

Rate History
No change since Sep 25, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 25, 2026: 3.90% APYSep 25, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
2600 San Pedro Dr NE, Albuquerque, NM 87110
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 1.02% above New Mexico avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.83%▲ 1.02% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
4170 Northrise, Las Cruces, NM 88011
5 Year Boost Term Share
$500
3.82% ▲ 0.99% above New Mexico avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.99% above avgNationally 2.90%
Details

Rate History
1 change since Sep 25, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
3.06%3.69%4.32%Sep 25, 2026: 3.56% APYOct 4, 2026: 3.82% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20263.82%▲ from 3.56%
  • Sep 25, 20263.56%first recorded
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
4170 Northrise, Las Cruces, NM 88011
60 Month Boost Term Share
$100,000
3.82% ▲ 0.99% above New Mexico avg
View
▼
Rate3.75%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.99% above avgNationally 2.90%
Details

Jumbo CD

Rate History
1 change since Sep 25, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
3.06%3.69%4.32%Sep 25, 2026: 3.56% APYOct 4, 2026: 3.82% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20263.82%▲ from 3.56%
  • Sep 25, 20263.56%first recorded
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
Jumbo Share and IRA Certificate - 5 Year - Loyalty
$25,000
3.77% ▲ 0.94% above New Mexico avg
View
▼
Rate3.70%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.94% above avgNationally 2.90%
Details

Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate

Rate History
1 change since Sep 17, 2026 · 3.66% → 3.77% ▲ 0.11 pts · high 3.77% / low 3.66%
3.16%3.72%4.27%Sep 17, 2026: 3.66% APYOct 12, 2026: 3.77% APYSep 17, 2026Oct 13, 2026
  • Oct 12, 20263.77%▲ from 3.66%
  • Sep 17, 20263.66%first recorded
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
New Share / IRA Certificates - 60 months
$0
3.70% ▲ 0.87% above New Mexico avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.87% above avgNationally 2.90%
Details

Effective August 21, 2026; Early withdrawal penalties apply

Rate History
No change since Oct 12, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 13, 2026
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
Share / IRA Certificate - 60 months
$1,000
3.70% ▲ 0.87% above New Mexico avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.87% above avgNationally 2.90%
Details

Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.64%; Early withdrawal penalties apply

Rate History
No change since Oct 12, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 13, 2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
5 Year Share and IRA Certificate - Loyalty
$1,000
3.67% ▲ 0.84% above New Mexico avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.84% above avgNationally 2.90%
Details

Loyalty APR and APY; requires a Platinum or Silver Debit Account; Minimum required deposit $1,000

Rate History
No change since Oct 8, 2026 · 3.67% APY · checked 2 times
3.17%3.67%4.17%Oct 8, 2026: 3.67% APYOct 8, 2026Oct 13, 2026
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
300 N Main St, Clovis, NM 88101
5-year IRA
$100
3.66% ▲ 0.83% above New Mexico avg
View
▼
Rate3.60%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.83%▲ 0.83% above avgNationally 2.90%
Details

Other Fee(s) / Penalties: 6 months interest on amount withdrawn

Rate History
No change since Sep 30, 2026 · 3.66% APY · checked 4 times
3.16%3.66%4.16%Sep 30, 2026: 3.66% APYSep 30, 2026Oct 13, 2026
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
2220 N DAL PASO St, HOBBS, NM 88240 3048
60 Month Jumbo Certificate
$0
3.66% ▲ 0.83% above New Mexico avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.83% above avgNationally 2.90%
Details

Balance: over $100,000; Share and IRA Certificates; Early withdrawal penalty may apply

Rate History
No change since Oct 12, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 12, 2026: 3.66% APYOct 12, 2026Oct 13, 2026
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
2220 N DAL PASO St, HOBBS, NM 88240 3048
60 Month Jumbo Share and IRA Certificate
$0
3.66% ▲ 0.83% above New Mexico avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.83% above avgNationally 2.90%
Details

Balance: over $100,000; Early withdrawal penalty may apply

Rate History
No change since Oct 12, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 12, 2026: 3.66% APYOct 12, 2026Oct 13, 2026
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
300 N Main St, Clovis, NM 88101
5-year CD
$5,000
3.56% ▲ 0.73% above New Mexico avg
View
▼
Rate3.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.83%▲ 0.73% above avgNationally 2.90%
Details

Other Fee(s) / Early Withdrawal Penalties: 6 months interest on amount withdrawn

Rate History
No change since Sep 30, 2026 · 3.56% APY · checked 4 times
3.06%3.56%4.06%Sep 30, 2026: 3.56% APYSep 30, 2026Oct 13, 2026
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
300 N Main St, Clovis, NM 88101
5-Year Ladder CD
$5,000
3.56% ▲ 0.73% above New Mexico avg
View
▼
Rate3.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.83%▲ 0.73% above avgNationally 2.90%
Details

Renewal Term: 60 months from initial maturity; Renewal Rate: 0.25% above regularly offered 60 month rate at maturity; Early Withdrawal Penalty: 6 months interest penalty on balance withdrawn. Fees could reduce earnings on account.

Rate History
No change since Oct 6, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 6, 2026: 3.56% APYOct 6, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3707 Juan Tabo Blvd NE, Albuquerque, NM 87111
60 Month Term Certificates
$0
3.56% ▲ 0.73% above New Mexico avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.73% above avgNationally 2.90%
Details

Dividend Rate 3.50%; APY if dividends are not withdrawn during the term

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
Jumbo Share and IRA Certificate - 5 Year
$25,000
3.56% ▲ 0.73% above New Mexico avg
View
▼
Rate3.50%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.73% above avgNationally 2.90%
Details

Minimum required deposit $25,000; APY: Annual Percentage Yield, based on compounded rate

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.56% ▲ 0.11 pts · high 3.56% / low 3.45%
2.95%3.51%4.06%Sep 14, 2026: 3.45% APYOct 12, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.56%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
2220 N DAL PASO St, HOBBS, NM 88240 3048
60 Month Share and IRA Certificates
$0
3.56% ▲ 0.73% above New Mexico avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.73% above avgNationally 2.90%
Details

Balance: $1,000 - $99,999.99; Minimum $1,000 Share Certificate & IRA Certificate; Early withdrawal penalty may apply

Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 13, 2026
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
2220 N DAL PASO St, HOBBS, NM 88240 3048
60 Month Share Certificate
$1,000
3.56% ▲ 0.73% above New Mexico avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.73% above avgNationally 2.90%
Details

Balance: $1,000 - $99,999.99; Share and IRA Certificates; Early withdrawal penalty may apply

Rate History
1 change since Sep 20, 2026 · 3.36% → 3.56% ▲ 0.20 pts · high 3.56% / low 3.36%
2.86%3.46%4.06%Sep 20, 2026: 3.36% APYOct 4, 2026: 3.56% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20263.56%▲ from 3.36%
  • Sep 20, 20263.36%first recorded
Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
300 N Main St, Clovis, NM 88101
5 year CD Ladder
$25,000
3.50% ▲ 0.67% above New Mexico avg
View
▼
Rate3.50%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New Mexico Average2.83%▲ 0.67% above avgNationally 2.90%
Details

Initial interest rate: 1 year for 3.10%, 2 years for 3.20%, 3 years for 3.40%, 4 years for 3.45%, and 5 years for 3.50%. This is a blended first year Annual Percentage Yield (APY) of 3.38%. After the first year, the CD with an initial term of 1-year will be renewed at 0.25% above the 5-year CD rate offered at that time. Your 2-year, 3-year, 4-year, and 5-year CDs in the Ladder will continue to pay their initial interest rate until their first maturity. 6-month interest penalty on withdrawals before maturity. 10-day grace period during which you can make withdrawals with no penalty, or even add more money to your CD.

Rate History
No change since Oct 10, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 10, 2026: 3.50% APYOct 10, 2026Oct 13, 2026
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
210 N 5th St, Artesia, NM 88210 2000
Share Certificates - 60 month
$5,000
3.49% ▲ 0.66% above New Mexico avg
View
▼
Rate3.45%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 0.66% above avgNationally 2.90%
Details

Dividend Rate: 3.45%; Early Withdrawal Penalty- 90 Days; Dividend rates effective April 1, 2025; Certificates which are automatically renewed will receive the rate in effect on the renewal date

Rate History
No change since Sep 14, 2026 · 3.49% APY · checked 2 times
2.99%3.49%3.99%Sep 14, 2026: 3.49% APYSep 14, 2026Oct 13, 2026
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
2755 N Main St, Las Cruces, NM 88001 1149
5 Year Share and IRA Certificate
$1,000
3.45% ▲ 0.62% above New Mexico avg
View
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.62% above avgNationally 2.90%
Details

Regular share and IRA certificate; Minimum required deposit $1,000

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 13, 2026
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
60 Month IRA Share Certificates
$500
3.35% ▲ 0.52% above New Mexico avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 0.52% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Rio Grande Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.38%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
60 Month Share Certificates
$500
3.35% ▲ 0.52% above New Mexico avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 0.52% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1375 E Boutz Rd, Las Cruces, NM 88001 5305
60 Month Share Certificates
$1,000
3.30% ▲ 0.47% above New Mexico avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.47% above avgNationally 2.90%
Details

Rate History
No change since Sep 25, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 25, 2026: 3.30% APYSep 25, 2026Oct 13, 2026
High Desert Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
321 S Main Ave, Aztec, NM 87410 2124
Certificate of Deposit - 60 Months
$0
3.30% ▲ 0.47% above New Mexico avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 0.47% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.30% → 3.30% ▲ 0.00 pts · high 3.30% / low 3.30%
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYOct 1, 2026: 3.30% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.30%▲ from 3.30%
  • Sep 18, 20263.30%first recorded
First National Bank Alamogordo, NM
Institution Rating:
F1.2 ★Texas Ratio: 43.89%
414 10th St, Alamogordo, NM 88310
60 Month Certificate
$100
3.29% ▲ 0.46% above New Mexico avg
View
▼
Rate3.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.46% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
60 Month Certificate of Deposit
$500
3.29% ▲ 0.46% above New Mexico avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New Mexico Average2.83%▲ 0.46% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 3 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Railroad Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
300 N 6th St, Belen, NM 87002
Term Share Account - 60 Month
$1,000
3.14% ▲ 0.31% above New Mexico avg
View
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 0.31% above avgNationally 2.90%
Details

Early withdrawal penalty: 180 Days interest on amount withdrawn; Fixed rate dividends

Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 6 times
2.64%3.14%3.64%Sep 14, 2026: 3.14% APYSep 14, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
60 Month Term Share/IRA Jumbo Certificates
$0
3.14% ▲ 0.31% above New Mexico avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.83%▲ 0.31% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.14% APY · checked 5 times
2.64%3.14%3.64%Sep 14, 2026: 3.14% APYSep 14, 2026Oct 13, 2026
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
60 Month Share Certificate - Bonus Rate
$0
3.10% ▲ 0.27% above New Mexico avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 0.27% above avgNationally 2.90%
Details

Relationship bonus rate (membership rate bonus conditions apply); Rising Rate Option available; Early Withdrawal Penalty: 270 Days Interest

Rate History
No change since Oct 13, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 13, 2026: 3.10% APYOct 13, 2026Oct 13, 2026
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Share Certificate - 60 Month - Bonus Rate
$0
3.10% ▲ 0.27% above New Mexico avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 0.27% above avgNationally 2.90%
Details

Bonus rate APY with membership rate bonus conditions (up to 0.10% each, 5 total); Early withdrawal penalty: 270 Days Interest; Rising Rate option available

Rate History
No change since Oct 13, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 13, 2026: 3.10% APYOct 13, 2026Oct 13, 2026
State Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.01%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Share Certificates - 60 Month
$0
3.10% ▲ 0.27% above New Mexico avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 0.27% above avgNationally 2.90%
Details

Bonus Rate: 3.60%; Early Withdrawal Penalty: 270 Days Interest; Bonus conditions: Active Checking Account +0.10%, Full Direct Deposit +0.10%, Active SECU Credit Card +0.10%, Active Consumer Loan +0.10%, Current Mortgage +0.10%

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
1st Certificates - 60 Month
$250
3.04% ▲ 0.21% above New Mexico avg
View
▼
Rate3.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.83%▲ 0.21% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
60 Month IRA Certificate
$500
3.04% ▲ 0.21% above New Mexico avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.83%▲ 0.21% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
60 Month Kirby Kid Certificates
$500
3.04% ▲ 0.21% above New Mexico avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.83%▲ 0.21% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 13, 2026
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.54%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
60 Month Term Share Certificates (TSC)
$1,000
3.04% ▲ 0.21% above New Mexico avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
New Mexico Average2.83%▲ 0.21% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 13, 2026
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
16 Road 6500, Kirtland, NM 87417
IRA Certificates - 5 Year
$500
3.00% ▲ 0.17% above New Mexico avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 0.17% above avgNationally 2.90%
Details

Effective as of May 1, 2023

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
16 Road 6500, Kirtland, NM 87417
Jumbo Certificate - 5 Year
$25,000
3.00% ▲ 0.17% above New Mexico avg
View
▼
Rate3.00%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New Mexico Average2.83%▲ 0.17% above avgNationally 2.90%
Details

Effective as of May 1, 2023; Dividend Rate

Rate History
No change since Sep 21, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 21, 2026: 3.00% APYSep 21, 2026Oct 13, 2026
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
614 Alta Vista St, Santa Fe, NM 87505
60-Month Share Certificate
$500
2.94% ▲ 0.11% above New Mexico avg
View
▼
Rate2.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New Mexico Average2.83%▲ 0.11% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 2.94% APY · checked 2 times
2.44%2.94%3.44%Oct 8, 2026: 2.94% APYOct 8, 2026Oct 13, 2026
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.

Top CD Rates from New Mexico Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Capra Bank
18-Month Bump-Up CD
A+ 5.0 ★ TX: 0.00%
Min: $10,000
4.25%
CIT Bank
1-Year CD
A 5.0 ★ TX: 7.72%
Min: $0
4.00%
UMB Bank
3-MONTH TIME DEPOSIT ACCOUNT
A+ 5.0 ★ TX: 1.78%
Min: $500
3.85%
First National Bank Alamogordo, NM
IRA 18 Month
F 1.2 ★ TX: 43.89%
Min: $500
3.79%
Main Bank
12-Month Certificate of Deposit
A+ 5.0 ★ TX: 0.00%
Min: $1,000
3.75%
CU Top 5 Credit Union Rates
Northern New Mexico School Employees Federal Credit Union
24-Month Share Certificate SPECIAL RATE
A+ 5.0 ★ TX: 3.64%
Min: $500
5.12%
ZIA Credit Union
12 Month Youth Share Certificate
A+ 5.0 ★ TX: 3.13%
Min: $0
5.00%
Rio Grande Credit Union
18 Month IRA Share Certificates
A+ 5.0 ★ TX: 5.38%
Min: $500
4.54%
Mountain America Federal Credit Union
24 Month Certificate
A 5.0 ★ TX: 9.78%
Min: $0
4.50%
America First Federal Credit Union
60 Month Certificate Account
A 5.0 ★ TX: 8.33%
Min: $500
4.50%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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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.

View Full New Mexico CD Trends
12-Month CD NM Avg
2.950%
▲ 0.029 vs 7 days ago

New Mexico 12-month CD rates rose 0.029 points over the past 7 days to 2.950% APY.

6-Month CD NM Avg
2.721%
▲ 0.037 vs 7 days ago

New Mexico 6-month CD rates rose 0.037 points over the past 7 days to 2.721% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

NM CD Rate Forecast, Next 12 Months

Where are New Mexico CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

NM 12-Month Avg APY
2.950%
6-Month Forecast
2.950%
Range: 2.75%, 3.10%
12-Month Forecast
3.200%
Range: 3.00%, 3.35%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the New Mexico average 12-month CD APY in our database.

Spread model: The New Mexico 12-month CD average currently trades 1.43% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 1.972% $98.60 $197.21 $493.03 $986.05
6-Month CD 2.721% $136.07 $272.13 $680.32 $1,360.65
12-Month CD 2.950% $147.48 $294.96 $737.40 $1,474.80
18-Month CD 2.831% $141.55 $283.09 $707.73 $1,415.45
24-Month CD 2.844% $142.22 $284.43 $711.07 $1,422.15
36-Month CD 2.748% $137.40 $274.79 $686.98 $1,373.95
48-Month CD 2.654% $132.71 $265.42 $663.55 $1,327.10
60-Month CD 2.830% $141.51 $283.01 $707.53 $1,415.05
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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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.

Build Your Ladder
Rung Term Deposit NM Avg APY Annual Earnings
1 3-Month CD $5,000 1.972% $98.60
2 6-Month CD $5,000 2.721% $136.07
3 12-Month CD $5,000 2.950% $147.48
4 24-Month CD $5,000 2.844% $142.22
5 36-Month CD $5,000 2.748% $137.40
Total ($25,000 invested) $25,000 2.647% blended $661.77/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.

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548
CD Rates
Tracked in New Mexico
18 Banks 35 Credit Unions

About Our New Mexico CD Rate Database

MonitorBankRates tracks 548 CD rates from 18 banks and 35 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 to 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: Northern New Mexico School Employees Federal Credit Union offers a CD at 5.12% APY with a minimum deposit of $500. 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 35 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: 53 institutions here report CD rates

Consider an Alternative If…

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 2.950% 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 2.950%, 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 to 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 Share Certificates - 6 Month at 4.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Mountain America Federal Credit Union is offering its 60 Month Certificate at 4.50% 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:
  • Northern New Mexico School Employees Federal Credit Union: 5.12% APY (24-Month Share Certificate SPECIAL RATE)
  • ZIA Credit Union: 5.00% APY (12 Month Youth Share Certificate)
  • Rio Grande Credit Union: 4.54% APY (18 Month IRA Share Certificates)
  • Mountain America Federal Credit Union: 4.50% APY (24 Month Certificate)
  • America First Federal Credit Union: 4.50% APY (60 Month Certificate Account)
  • State Employees Credit Union: 4.50% APY (Share Certificates - 6 Month)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • Artesia Credit Union: 4.32% APY (Share Certificates - 12 month)
  • Capra Bank: 4.25% APY (18-Month Bump-Up CD)
  • Del Norte Credit Union: 4.18% APY (24 Month Certificates and IRA Certificates)
Rates reflect recent verified offers available in New Mexico. Last Updated: October 13, 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
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top New Mexico CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in New Mexico. Averages shown use the New Mexico state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for New Mexico

New Mexico CD Calculator

At today’s NM top rate of 5.12% APY, a $10,000 deposit earns $512 in the first year. Enter your amount to see your exact return.

New Mexico CD Ladder

NM CD rates currently range from 1.972% (3-month) to 2.748% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a New Mexico CD at 5.12% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

New Mexico’s average 12-month CD is 2.950% 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: October 13, 2026

New Mexico Rates & Resources

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New Mexico Car Insurance

Cities in New Mexico

  • Roy
  • Ruidoso
  • Ruidoso Downs
  • Sacramento
  • Saint Vrain
  • Salem
  • San Acacia
  • San Antonio
  • San Cristobal
  • San Fidel
  • San Jon
  • San Jose
  • San Juan Pueblo
  • San Miguel
  • San Patricio
  • San Rafael
  • San Ysidro
  • Sandia Park
  • Sanostee
  • Santa Clara
  • Santa Cruz
  • Santa Fe
  • Santa Rosa
  • Santa Teresa
  • Santo Domingo Pueblo
  • Sapello
  • Sedan
  • Seneca
  • Serafina
  • Sheep Springs
  • Shiprock
  • Silver City
  • Smith Lake
  • Socorro
  • Solano
  • Springer
  • Stanley
  • Sunland Park
  • Sunspot
  • Taiban
  • Tajique
  • Taos
  • Taos Ski Valley
  • Tatum
  • Tererro
  • Tesuque
  • Texico
  • Thoreau
  • Tierra Amarilla
  • Tijeras
  • Timberon
  • Tinnie
  • Tohatchi
  • Tome
  • Torreon
  • Trampas
  • Trementina
  • Tres Piedras
  • Truchas
  • Truth Or Consequences
  • Tucumcari
  • Tularosa
  • Tyrone
  • Ute Park
  • Vadito
  • Vado
  • Valdez
  • Vallecitos
  • Valmora
  • Vanderwagen
  • Vaughn
  • Veguita
  • Velarde
  • Villanueva
  • Virden
  • Wagon Mound
  • Waterflow
  • Watrous
  • Weed
  • White Sands Missile Range
  • Whites City
  • Willard
  • Williamsburg
  • Winston
  • Yatahey
  • Yeso
  • Youngsville
  • Zuni