Best Money Market Rates in New Mexico (NM) - April 2026
Content reviewed by
Brian McKay
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Editorial 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 New Mexico money market rates include America First Federal Credit UnionAmerica First Federal Credit Union3400 NM 528 NW, Albuquerque, NM 87114A5.0 ★Texas Ratio: 8.12% Money Market at 3.90% APY, Mountain America Federal Credit UnionMountain America Federal Credit Union9200 Golf Course Rd NW, Albuquerque, NM 87114 5891A5.0 ★Texas Ratio: 11.38% Money market at 3.55% APY, Sunflower BankSunflower Bank421 N Water St, Las Cruces, NM 88001A+5.0 ★Texas Ratio: 5.67% Thrive Money Market at 3.45% APY, State Employees Credit UnionState Employees Credit Union813 Saint Michaels Dr, Santa Fe, NM 87505 7607C3.8 ★Texas Ratio: 29.00% Advantage+ Money Market at 2.50% APY, and First Financial Credit UnionFirst Financial Credit Union2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160A5.0 ★Texas Ratio: 10.46% Money Market Account at 2.27% APY. Money market rates as of April 22, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare money market rates across New Mexico side-by-side. New Mexico money market rates currently reach as high as 3.90% APY from America First Federal Credit Union at 3400 NM 528 NW, Albuquerque, NM 87114. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in New Mexico and surrounding area. Last Updated and Verified: April 22, 2026
Compare the Best Money Market Rates Today in New Mexico
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM 87114
Money Market
3.90%
$0
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
9200 Golf Course Rd NW, Albuquerque, NM 87114 5891
Money market
3.55%
$0
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
421 N Water St, Las Cruces, NM 88001
Thrive Money Market
3.45%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Qualifying balance $24,999.01 & Above
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM 87114
Money Market
3.45%
$0
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
9200 Golf Course Rd NW, Albuquerque, NM 87114 5891
Money market
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
421 N Water St, Las Cruces, NM 88001
Thrive Money Market
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Qualifying balance $24,999.00 & Below
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM 87114
Money Market
2.70%
$0
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Business Money Market
2.50%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Advantage+ Money Market
2.50%
$0
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
9200 Golf Course Rd NW, Albuquerque, NM 87114 5891
Money market
2.40%
$0
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Money Market Account
2.27%
$500
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Business Money Market
2.25%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Money Market
2.25%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM 87114
Money Market
2.05%
$0
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
4170 Northrise, Las Cruces, NM 88011
High-Yield Money Market
2.02%
$250,000
▼
Rate2.00%
Min Deposit$250,000
Min Balance—
UpdatedApr 17, 2026
Details
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Money Market Account
2.02%
$500
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Business Money Market
2.00%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Money Market
2.00%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
9200 Golf Course Rd NW, Albuquerque, NM 87114 5891
Money market
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM 87114
Money Market
1.80%
$0
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
Money Market Tier III
1.77%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
First National Bank in Trinidad
Institution Rating:
B+4.8 ★ Texas Ratio: 17.17%
1246 S 2nd St, Raton, NM 87740
Money Market Deposit Account
1.76%
$10
▼
Rate—
Min Deposit$10
Min Balance—
UpdatedApr 16, 2026
Details
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Money Market Account
1.76%
$500
▼
Rate1.75%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
Money Market
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Business Money Market
1.75%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★ Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Money Market
1.75%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
Money Market
1.70%
$0
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
Money Market Tier II
1.52%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
First Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
Money Market Account
1.51%
$500
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedApr 19, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
Business Money Market
1.51%
$2,000
▼
Rate1.50%
Min Deposit$2,000
Min Balance—
UpdatedApr 19, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
Money Market Accounts
1.51%
$2,000
▼
Rate1.50%
Min Deposit$2,000
Min Balance—
UpdatedApr 19, 2026
Details
First National Bank in Trinidad
Institution Rating:
B+4.8 ★ Texas Ratio: 17.17%
1246 S 2nd St, Raton, NM 87740
Money Market Deposit Account
1.51%
$10
▼
Rate—
Min Deposit$10
Min Balance—
UpdatedApr 16, 2026
Details
Main Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
Money Market Account
1.50%
$1,000
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
Money Market
1.45%
$0
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
9200 Golf Course Rd NW, Albuquerque, NM 87114 5891
Money market
1.45%
$0
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Evolve Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
4170 Northrise, Las Cruces, NM 88011
Money Market
1.36%
$2,500
▼
Rate1.35%
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1375 E Boutz Rd, Las Cruces, NM 88001 5305
Money Market Accounts
1.31%
$0
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
Money Market Tier I
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
Money Market Accounts
1.26%
$2,000
▼
Rate1.25%
Min Deposit$2,000
Min Balance—
UpdatedApr 19, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM 87114
Money Market
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
Business Money Market
1.25%
$2,000
▼
Rate1.25%
Min Deposit$2,000
Min Balance—
UpdatedApr 19, 2026
Details
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1375 E Boutz Rd, Las Cruces, NM 88001 5305
Money Market Accounts
1.21%
$0
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
3105 Del Rey Blvd, Las Cruces, NM 88012
Money Market
1.11%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
AVD $100,000 - $249,999.
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1375 E Boutz Rd, Las Cruces, NM 88001 5305
Money Market Accounts
1.11%
$0
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Western Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
230 S Alameda Blvd, Las Cruces, NM 88005
Money Market Accounts
1.10%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM 88001 1149
Money Market
1.10%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM 87114
Money Market
1.10%
$0
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
3400 NM 528 NW, Albuquerque, NM 87114
Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Qualifying balance up to $4,999.99
First National Bank in Trinidad
Institution Rating:
B+4.8 ★ Texas Ratio: 17.17%
1246 S 2nd St, Raton, NM 87740
Money Market Deposit Account
1.00%
$10
▼
Rate—
Min Deposit$10
Min Balance—
UpdatedApr 16, 2026
Details
Jemez Valley Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.94%
17117 HIGHWAY 4, JEMEZ SPRINGS, NM 87025 0120
Money Market/Golden Share Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
Money Market Accounts
1.00%
$2,000
▼
Rate1.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 19, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
Business Money Market
1.00%
$2,000
▼
Rate1.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 19, 2026
Details
The Florist Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
313 W Country Club Rd Ste 11, ROSWELL, NM 88201 5804
Money Market Plus Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
2514 N Main St, Roswell, NM 88201
Money Market Checking
1.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Otero Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
3300 N White Sands Blvd Unit A, Alamogordo, NM 88310
Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1375 E Boutz Rd, Las Cruces, NM 88001 5305
Money Market Accounts
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
1375 E Boutz Rd, Las Cruces, NM 88001 5305
Money Market Accounts
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
2755 N Main St, Las Cruces, NM 88001 1149
Money Market
0.90%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
First National Bank in Trinidad
Institution Rating:
B+4.8 ★ Texas Ratio: 17.17%
1246 S 2nd St, Raton, NM 87740
Money Market Deposit Account
0.35%
$10
▼
Rate—
Min Deposit$10
Min Balance—
UpdatedApr 16, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
414 10th St, Alamogordo, NM 88310
Money Market Personal Checking
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
414 10th St, Alamogordo, NM 88310
Money Market Personal Checking** Daily Balance**** and Over
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
$50,000.00
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
414 10th St, Alamogordo, NM 88310
Money Market Business/ PF Checking
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First National Bank in Trinidad
Institution Rating:
B+4.8 ★ Texas Ratio: 17.17%
1246 S 2nd St, Raton, NM 87740
Money Market Deposit Account
0.25%
$10
▼
Rate—
Min Deposit$10
Min Balance—
UpdatedApr 16, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
414 10th St, Alamogordo, NM 88310
Money Market Personal Checking
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
414 10th St, Alamogordo, NM 88310
Money Market Business/ PF Checking** Daily Balance**** and over
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
$50,000.00
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
414 10th St, Alamogordo, NM 88310
Money Market Personal Checking** Daily Balance****
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
$25,000.00 - $49,999.99
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
414 10th St, Alamogordo, NM 88310
Money Market Business/ PF Checking
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
414 10th St, Alamogordo, NM 88310
Money Market Business/ PF Checking** Daily Balance****
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
$25,000.00 - $49,999.99
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
414 10th St, Alamogordo, NM 88310
Money Market Personal Checking
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
414 10th St, Alamogordo, NM 88310
Money Market Personal Checking** Daily Balance****
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
$10,000.00 - $24,999.99
Lea County State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
1017 N Turner St, Hobbs, NM 88240
Money Market
0.20%
$100
▼
Rate0.20%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details
First National Bank in Trinidad
Institution Rating:
B+4.8 ★ Texas Ratio: 17.17%
1246 S 2nd St, Raton, NM 87740
Money Market Deposit Account
0.15%
$10
▼
Rate—
Min Deposit$10
Min Balance—
UpdatedApr 16, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
414 10th St, Alamogordo, NM 88310
Money Market Personal Checking** Daily Balance****
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
$2,500.00 - $9,999.99
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
414 10th St, Alamogordo, NM 88310
Money Market Personal Checking
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
414 10th St, Alamogordo, NM 88310
Money Market Business/ PF Checking** Daily Balance****
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
$10,000.00 - $24,999.99
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
414 10th St, Alamogordo, NM 88310
Money Market Business/ PF Checking
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First National Bank in Trinidad
Institution Rating:
B+4.8 ★ Texas Ratio: 17.17%
1246 S 2nd St, Raton, NM 87740
Money Market Deposit Account
0.10%
$10
▼
Rate—
Min Deposit$10
Min Balance—
UpdatedApr 16, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
414 10th St, Alamogordo, NM 88310
Money Market Business/ PF Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★ Texas Ratio: 38.20%
414 10th St, Alamogordo, NM 88310
Money Market Business/ PF Checking** Daily Balance****
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
$2,500.00 - $9,999.99
Lea County State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
1017 N Turner St, Hobbs, NM 88240
Money Market
0.10%
$100
▼
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details
Lea County State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
1017 N Turner St, Hobbs, NM 88240
Money Market
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details
Lea County State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
1017 N Turner St, Hobbs, NM 88240
Money Market
0.02%
$100
▼
Rate0.02%
Min Deposit$100
Min Balance—
UpdatedApr 17, 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. Rates reflect recent market quotes and representative offers available to depositors in New Mexico and the surrounding area.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
New Mexico Money Market Rate Trends
Compare local New Mexico money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield MMA — NM Avg
3.063%
▲ 0.026 vs 7 days ago
New Mexico high-yield MMA rates rose 0.026 points over the past 7 days to 3.063% APY.
Standard MMA — NM Avg
0.296%
▼ 0.037 vs 7 days ago
New Mexico standard MMA rates fell 0.037 points over the past 7 days to 0.296% APY.
As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market account 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. Every money market rate displayed 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 mid-sized regional banks to large national institutions available to savers in NM.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in New Mexico
What is a Money Market Account (MMA)?
A Money Market Account (MMA) is a type of savings account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in New Mexico.
Are Money Market accounts in New Mexico safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in New Mexico up to $250,000 per depositor, per institution.
How often do MMA rates change in New Mexico?
Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local New Mexico rate tables daily to ensure you see the most current high-yield options.
Can I write checks from a Money Market Account?
Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.
Best Money Market Rates in New Mexico
Here are some of the highest money market account APYs currently available in New Mexico:
- America First Federal Credit Union
Money Market — 3.90% APY - Mountain America Federal Credit Union
Money market — 3.55% APY - Sunflower Bank
Thrive Money Market — 3.45% APY - State Employees Credit Union
Advantage+ Money Market — 2.50% APY - First Financial Credit Union
Money Market Account — 2.27% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in New Mexico. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 22, 2026
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