Las Vegas, New Mexico Best CD Rates October 2026

Dividend Rate 3.06%; APY if dividends are not withdrawn during the term

IRA certificate; May be tax deductible, please consult your tax advisor

Kirby Kids certificate available to members enrolled in the Kirby Kids program (ages 12 & under)

Minimum to Open: $1,000

Early Withdrawal Penalty: 90 Days

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Balance: $90,000 +; Renewal Term: 3 Months; $1,000 minimum to open ($500 minimum for minors); A penalty may be assessed for early withdrawal

Balance: $90,000 and over; Renewal Term: 3 Months

Balance: $100,000 or more; $1,000 opening deposit required

Balance: $1,000 - $89,999; Renewal Term: 3 Months; $1,000 minimum to open ($500 minimum for minors); A penalty may be assessed for early withdrawal

Balance: $1,000 - $89,999; Renewal Term: 3 Months

Minimum Balance To Obtain APY: $1,000; rates based on zip code

Balance: up to $100,000.00; Rates for ZIP code 60603

Balance: $25,000.00 and above; Standard Rates

Balance: $1,000.00 - $24,999.99; Standard Rates

Balance: $1.00 - $999.99; Standard Rates

Term Certificates of Deposit (CD)

Dividend Rate 3.59%; APY if dividends are not withdrawn during the term

APY of; Today's Rates section

Balances Over $1,000

Effective August 21, 2026; Early withdrawal penalties apply

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

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

IRA

Regular

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

Early withdrawal penalty: 1 month interest on amount withdrawn

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

Effective Date: February 28, 2023

Early withdrawal penalty: 1 month interest on amount withdrawn; Rates current as of 10/13/2026; Minimum daily balance required to obtain disclosed APY

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

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

IRA certificate; May be tax deductible, please consult your tax advisor

Kirby Kids certificate available to members enrolled in the Kirby Kids program (ages 12 & under)

Minimum to Open: $1,000

Maximum amount accepted $250,000.00

Early withdrawal penalties apply.

Early Withdrawal Penalty: 90 Days