CD Rates Edgewood, 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 Edgewood, New Mexico CD rates include Artesia Credit UnionArtesia Credit UnionA+5.0 ★Texas Ratio: 2.57% offering IRA Certificates 24 Month at 4.58% APY, State Employees Credit UnionState Employees Credit UnionC3.8 ★Texas Ratio: 29.00% offering 6 Month Share Certificates at 4.50% APY, Mountain America Federal Credit UnionMountain America Federal Credit UnionA5.0 ★Texas Ratio: 11.38% offering Youth certificate 60-month youth certificate at 4.15% APY, Los Alamos Schools Credit UnionLos Alamos Schools Credit UnionA+5.0 ★Texas Ratio: 1.28% offering 12 Month Youth Certificate of Deposit at 4.06% APY, and FIRSTLIGHTFIRSTLIGHTA+5.0 ★Texas Ratio: 1.79% offering IRA/Share Certificates & Business Share Certificates 1 year at 4.05% APY. CD rates as of April 11, 2026 according to verified data from MonitorBankRates.
Edgewood is a smaller community with no bank or credit union branches currently in our database. 108 institutions serving the New Mexico area are available to Edgewood residents, with CD rates as high as 4.58% APY from Artesia Credit Union. 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 11, 2026
Compare Best CD Rates in Edgewood, New Mexico & the Surrounding Area
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: 3.51%
Certificates and IRA Certificates Minimum Balance 3 month
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 11, 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.
Century Bank Santa Fe, NM
Institution Rating:
C-3.6 ★Texas Ratio: 31.78%
3 Month CD
$5,000
3.50%
▼
Rate3.45%
Min Deposit$5,000
Min Balance—
UpdatedApr 11, 2026
Details
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
1st Certificates 3 Month
$250
3.04%
▼
Rate3.00%
Min Deposit$250
Min Balance—
UpdatedApr 11, 2026
Details
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 11, 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 11, 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 11, 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 11, 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%
6 Month Share Certificates
$0
4.50%
▼
Rate4.43%
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 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 11, 2026
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Jumbo Share and IRA Certificate 6 Month
$0
3.71%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Loyalty Rate
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 11, 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 11, 2026
Details
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
6 Month Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Internationalites Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
6 Month Certificates of Deposit
$1,000
3.04%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 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 11, 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 11, 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 11, 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 11, 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 11, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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 11, 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 11, 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 11, 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 11, 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 11, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
12 Month Share Certificates
$0
3.69%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Bonus Rate
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 11, 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.
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Jumbo Share and IRA Certificate 1 Year
$0
3.61%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Loyalty Rate
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 11, 2026
Details
*
Santa Fe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
12 Month CD
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
As High As
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
1st Certificates 12 Month
$250
3.30%
▼
Rate3.25%
Min Deposit$250
Min Balance—
UpdatedApr 11, 2026
Details
US Eagle Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 56.62%
12-Month Certificate
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $49,000.00
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%
Standard certificate 18-month certificate
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 2026
Details
*
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Jumbo Share and IRA Certificate 18 Month
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Loyalty Rate
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 11, 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 11, 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 Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
1st Certificates 18 Month
$250
3.20%
▼
Rate3.15%
Min Deposit$250
Min Balance—
UpdatedApr 11, 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 11, 2026
Details
On Deposits up to $100,000
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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 11, 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 11, 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 11, 2026
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Jumbo Share and IRA Certificate 2 Year
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Loyalty Rate
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 11, 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 11, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
24 Month Share Certificates
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Bonus Rate
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
1st Certificates 24 Month
$250
3.20%
▼
Rate3.15%
Min Deposit$250
Min Balance—
UpdatedApr 11, 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 11, 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 11, 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 11, 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 11, 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 11, 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 11, 2026
Details
On Deposits up to $100,000
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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 11, 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 11, 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 11, 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 11, 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 11, 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.
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Jumbo Share and IRA Certificate 3 Year
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Loyalty Rate
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 11, 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 11, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
36 Month Share Certificates
$0
3.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Bonus Rate
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
1st Certificates 36 Month
$250
2.99%
▼
Rate2.95%
Min Deposit$250
Min Balance—
UpdatedApr 11, 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 11, 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 11, 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 11, 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 11, 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 11, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Jumbo Share and IRA Certificate 4 Year
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Loyalty Rate
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 11, 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 11, 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 11, 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 11, 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 11, 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 Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
1st Certificates 48 Month
$250
3.04%
▼
Rate3.00%
Min Deposit$250
Min Balance—
UpdatedApr 11, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
48 Month Share Certificates
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
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 11, 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 11, 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 11, 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 11, 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 11, 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%
Youth certificate 60-month youth certificate
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 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 11, 2026
Details
$100,000+
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Jumbo Share and IRA Certificate 5 Year
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Loyalty Rate
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 11, 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 11, 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 11, 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.
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
60 Month Share Certificates
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Bonus Rate
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
1st Certificates 60 Month
$250
3.04%
▼
Rate3.00%
Min Deposit$250
Min Balance—
UpdatedApr 11, 2026
Details
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 11, 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 11, 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 11, 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 11, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Edgewood, NM CD Rate Trends
Compare local Edgewood, 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
3.052%
▲ 0.033 vs 7 days ago
New Mexico 12-month CD rates rose 0.033 points over the past 7 days to 3.052% APY.
6-Month CD — NM Avg
2.941%
▲ 0.003 vs 7 days ago
New Mexico 6-month CD rates rose 0.003 points over the past 7 days to 2.941% APY.
As of Apr 11, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about CD Rates in Edgewood, New Mexico
Are CD rates in Edgewood, New Mexico FDIC insured?
Yes, most established banks in Edgewood, 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 Edgewood, 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 Edgewood, 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 Edgewood, 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 Edgewood, New Mexico?
Here are recent top rates found for this area:
- Artesia Credit Union: 4.58% APY (IRA Certificates 24 Month)
- 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)
- Los Alamos Schools Credit Union: 4.06% APY (12 Month Youth Certificate of Deposit)
- FIRSTLIGHT: 4.05% APY (IRA/Share Certificates & Business Share Certificates 1 year)
- Evolve Federal Credit Union: 3.82% APY (6 Month Boost Term Share)
- Northern New Mexico School Employees Federal Credit Union: 3.81% APY (12-Month F55 Certificate)
- First National Bank Alamogordo, NM: 3.79% APY (IRA 18 Month)
- White Sands Federal Credit Union: 3.71% APY (Jumbo Share and IRA Certificate 6 Month)
- Del Norte Credit Union: 3.67% APY (Certificates and IRA Certificates Minimum Balance 12 month)
Rates reflect recent verified offers available in Edgewood, New Mexico. Last Updated: April 11, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Edgewood, 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 Edgewood, 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 11, 2026
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