CD Rates Albuquerque, New Mexico (NM) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Albuquerque, New Mexico CD rates include State Employees Credit UnionState Employees Credit Union3521 Montgomery Blvd NE, Albuquerque, NM 87107C3.8 ★Texas Ratio: 29.00% offering 6 Month Share Certificates at 4.50% APY, Mountain America Federal Credit UnionMountain America Federal Credit Union9200 Golf Course Rd NW, Albuquerque, NM 87114 5891A5.0 ★Texas Ratio: 11.38% offering Youth certificate 60-month youth certificate at 4.15% APY, Sandia Area Federal Credit UnionSandia Area Federal Credit Union1850 Wyoming Blvd SE, Albuquerque, NM 87117A+5.0 ★Texas Ratio: 1.03% offering 6 Month Certificate at 3.65% APY, Nusenda Federal Credit UnionNusenda Federal Credit Union4100 Pan American FWY NE, Albuquerque, NM 87107A+5.0 ★Texas Ratio: 4.72% offering 3-Month IRA Certificates at 3.60% APY, and Century Bank Santa Fe, NMCentury Bank Santa Fe, NM8220 San Pedro Dr Ne, Albuquerque, NM 87113C-3.6 ★Texas Ratio: 31.78% offering 3 Month CD at 3.50% APY. CD rates as of April 9, 2026 according to verified data from MonitorBankRates.
Albuquerque has 31 local institutions in our database, with CD rates as high as 4.50% APY from State Employees Credit Union at 3521 Montgomery Blvd NE, Albuquerque, NM 87107. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader New Mexico area. Rates are continually updated — 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: April 9, 2026
Compare Best CD Rates in Albuquerque, New Mexico & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM 87107
3-Month IRA Certificates
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
Century Bank Santa Fe, NM
Institution Rating:
C-3.6 ★Texas Ratio: 31.78%
8220 San Pedro Dr Ne, Albuquerque, NM 87113
3 Month CD
$5,000
3.50%
▼
Rate3.45%
Min Deposit$5,000
Min Balance—
UpdatedApr 9, 2026
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
1st Certificates 3 Month
$250
3.04%
▼
Rate3.00%
Min Deposit$250
Min Balance—
UpdatedApr 9, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Certificates and IRA Certificates Minimum Balance 3 month
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
$100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at anytime without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3 Month Boost Term Share
$500
2.79%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
90 Day Certificate of Deposit
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Citizens Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate of Deposit
$1,000
1.01%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
90 Day Certificate
$0
0.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
3521 Montgomery Blvd NE, Albuquerque, NM 87107
6 Month Share Certificates
$0
4.50%
▼
Rate4.43%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
1850 Wyoming Blvd SE, Albuquerque, NM 87117
6 Month Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM 87107
6-Month IRA Certificates
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
Sunflower Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
6605 Uptown Blvd Ne, Albuquerque, NM 87110
6-Month CD Special
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
1st Certificates 6 Month
$250
3.04%
▼
Rate3.00%
Min Deposit$250
Min Balance—
UpdatedApr 9, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
7300 Jefferson St Ne, Albuquerque, NM 87109
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
IRA/Share Certificates & Business Share Certificates 6 month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
$100,000+
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6 Month Boost Term Share
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Certificates and IRA Certificates Minimum Balance 6 month
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
$100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at anytime without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
6-Month F55 Certificate
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
Tucumcari Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
6 Month Money Market CD
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
6 Month Certificate of Deposit
$0
2.77%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Financial Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
6 Month Term
$0
2.01%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Lea County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
IRA 6 mo - 364 days
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
IRA Certificates 6 Month
$500
1.25%
▼
Rate1.25%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
6 Month CD
$1,000
0.91%
▼
Rate0.90%
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
6-Month Share Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
3521 Montgomery Blvd NE, Albuquerque, NM 87107
12 Month Share Certificates
$0
3.69%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Bonus Rate
Santa Fe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
7101 JEFFERSON ST NE, ALBUQUERQUE, NM 87109 4375
12 Month CD
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
As High As
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
1st Certificates 12 Month
$250
3.30%
▼
Rate3.25%
Min Deposit$250
Min Balance—
UpdatedApr 9, 2026
Details
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM 87109 4431
12-Month Certificate
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5915 Wyoming Blvd Ne, Albuquerque, NM 87109
IRA CD 1 Year
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
7300 Jefferson St Ne, Albuquerque, NM 87109
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
Qualifying balance up to $49,000.00
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
12 month Share Certificate
$0
4.32%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
12 Month Youth Certificate of Deposit
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
($10K limit per CD)
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
IRA/Share Certificates & Business Share Certificates 1 year
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
$100,000+
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1 Year Boost Advantage CD Saver
$50
3.82%
▼
Rate3.75%
Min Deposit$50
Min Balance—
UpdatedApr 9, 2026
Details
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
12-Month F55 Certificate
$500
3.81%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Certificates and IRA Certificates Minimum Balance 12 month
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
$100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at anytime without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★Texas Ratio: 38.20%
IRA 12 Month
$500
3.53%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
*
Tucumcari Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
1 Year Money Market CD
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Internationalites Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
12 Month Certificates of Deposit
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details
Financial Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
1 Year Term
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Citizens Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year Certificate of Deposit
$1,000
2.90%
▼
Rate2.90%
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
12 Month CD
$1,000
2.51%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
IRA Certificates 1 Year
$500
1.75%
▼
Rate1.75%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
Lea County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
IRA 12 mo - 23 mo
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
12 Month CD
$1,000
1.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
12-Month IRA Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
First National Bank in Trinidad
Institution Rating:
B+4.8 ★Texas Ratio: 17.17%
12 Month CD
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details
On Deposits up to $100,000
Community 1st Bank Las Vegas
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
CDs / IRAs 1 Year
$100,000
0.40%
▼
Rate0.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 9, 2026
Details
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: 11.38%
9200 Golf Course Rd NW, Albuquerque, NM 87114 5891
Standard certificate 18-month certificate
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM 87107
18-Month IRA Certificates
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
1st Certificates 18 Month
$250
3.20%
▼
Rate3.15%
Min Deposit$250
Min Balance—
UpdatedApr 9, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★Texas Ratio: 38.20%
IRA 18 Month
$500
3.79%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
*
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
18 Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Certificates and IRA Certificates Minimum Balance 18 month
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
$100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at anytime without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Jemez Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
18-Month IRA Certificates
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
First National Bank in Trinidad
Institution Rating:
B+4.8 ★Texas Ratio: 17.17%
18 Month CD
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details
On Deposits up to $100,000
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM 87107
24-Month IRA Certificates
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
3521 Montgomery Blvd NE, Albuquerque, NM 87107
24 Month Share Certificates
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Bonus Rate
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
1st Certificates 24 Month
$250
3.20%
▼
Rate3.15%
Min Deposit$250
Min Balance—
UpdatedApr 9, 2026
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
IRA Certificates 24 Month
$0
4.58%
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
IRA/Share Certificates & Business Share Certificates 2 year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
$100,000+
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
24-Month F55 Certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Certificates and IRA Certificates Minimum Balance 24 month
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
$100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at anytime without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
24 Month Certificate of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Citizens Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Time Deposit Certificate of Deposit
$1,000
2.79%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details
Tucumcari Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2 Year Money Market CD
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
24 Month CD
$1,000
2.01%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
IRA Certificates 2 Year
$500
2.00%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
24 Month CD
$1,000
1.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details
First National Bank in Trinidad
Institution Rating:
B+4.8 ★Texas Ratio: 17.17%
24 Month CD
$1,000
0.70%
▼
Rate0.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details
On Deposits up to $100,000
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM 87107
36-Month Bump IRA Certificates
$500
3.35%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
3521 Montgomery Blvd NE, Albuquerque, NM 87107
36 Month Share Certificates
$0
3.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Bonus Rate
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
1st Certificates 36 Month
$250
2.99%
▼
Rate2.95%
Min Deposit$250
Min Balance—
UpdatedApr 9, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★Texas Ratio: 38.20%
IRA 36 Month
$500
3.53%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
*
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
IRA/Share Certificates & Business Share Certificates 3 year
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
$100,000+
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
36 month Share Certificate
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
36-Month F55 Certificate
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Business Certificates Minimum Balance 36 month
$0
3.41%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
$100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Fee May Reduce Earnings on the Account. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3 Year Boost Term Share
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
Financial Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
3 Year Term
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
36 Month Certificate of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Citizens Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Time Deposit Certificate of Deposit
$1,000
2.63%
▼
Rate2.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details
Lea County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
IRA 36 mo - 47 mo
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Tucumcari Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
3 Year Money Market CD
$0
2.17%
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.94%
36-Month IRA Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
36 Month CD
$1,000
2.01%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
36 Month CD
$1,000
1.30%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM 87107
48-Month IRA Certificates
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
1st Certificates 48 Month
$250
3.04%
▼
Rate3.00%
Min Deposit$250
Min Balance—
UpdatedApr 9, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
3521 Montgomery Blvd NE, Albuquerque, NM 87107
48 Month Share Certificates
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
48 month Share Certificate
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
4 Year Boost Term Share
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
IRA/Share Certificates & Business Share Certificates 4 year
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
$100,000+
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
48 Month Certificate of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Certificates and IRA Certificates Minimum Balance 48 month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
$100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at anytime without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
48-Month F55 Certificate
$500
2.84%
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
Citizens Bank of Clovis
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Time Deposit Certificate of Deposit
$1,000
2.53%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details
Lea County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
IRA 48 mo - 59 mo
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
48 Month CD
$1,000
2.01%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
48 Month CD
$1,000
1.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details
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: 11.38%
9200 Golf Course Rd NW, Albuquerque, NM 87114 5891
Youth certificate 60-month youth certificate
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4100 Pan American FWY NE, Albuquerque, NM 87107
60-Month IRA Certificates
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
3521 Montgomery Blvd NE, Albuquerque, NM 87107
60 Month Share Certificates
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Bonus Rate
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
1st Certificates 60 Month
$250
3.04%
▼
Rate3.00%
Min Deposit$250
Min Balance—
UpdatedApr 9, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
IRA/Share Certificates & Business Share Certificates 5 year
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
$100,000+
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
5 Year Boost Term Share
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
60 month Share Certificate
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
60 Month Certificate of Deposit
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
Certificates and IRA Certificates Minimum Balance 60 month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
$100,000+; $100,000+ Minimum Balance to obtain APY. Minimum Balance to Open of $100,000. Deposit Rates are current as of April 8, 2026. Rates and Fees may change at anytime without notice. Please contact a member services representative for details. A Penalty May be Imposed for Early Withdrawal on any Share Certificate product.
Four Corners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
IRA Certificates 5 Year
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
Northern New Mexico School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
60-Month F55 Certificate
$500
2.94%
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedApr 9, 2026
Details
The Florist Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
60 Month CD
$1,000
2.01%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details
Cannon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.10%
60 Month CD
$1,000
1.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 9, 2026
Details
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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.
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Albuquerque, NM CD Rate Trends
Compare local Albuquerque, NM CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — NM Avg
3.092%
▼ 0.072 vs 7 days ago
New Mexico 12-month CD rates fell 0.072 points over the past 7 days to 3.092% APY.
6-Month CD — NM Avg
3.356%
▼ 0.034 vs 7 days ago
New Mexico 6-month CD rates fell 0.034 points over the past 7 days to 3.356% APY.
As of Apr 9, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about CD Rates in Albuquerque, New Mexico
Are CD rates in Albuquerque, New Mexico FDIC insured?
Yes, most established banks in Albuquerque, 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 Albuquerque, 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 Albuquerque, 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 Albuquerque, 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 Albuquerque, New Mexico?
Here are recent top rates found for this area:
- State Employees Credit Union: 4.50% APY (6 Month Share Certificates)
- Mountain America Federal Credit Union: 4.15% APY (Youth certificate 60-month youth certificate)
- Sandia Area Federal Credit Union: 3.65% APY (6 Month Certificate)
- Nusenda Federal Credit Union: 3.60% APY (3-Month IRA Certificates)
- Century Bank Santa Fe, NM: 3.50% APY (3 Month CD)
- Santa Fe Federal Credit Union: 3.45% APY (12 Month CD)
- Sunflower Bank: 3.40% APY (6-Month CD Special)
- First Financial Credit Union: 3.30% APY (1st Certificates 12 Month)
- US Eagle Federal Credit Union: 3.15% APY (12-Month Certificate)
- BOK Financial: 0.10% APY (IRA CD 1 Year)
Rates reflect recent verified offers available in Albuquerque, New Mexico. Last Updated: April 9, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Albuquerque, 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 pulling data straight 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 Albuquerque, 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: April 9, 2026
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