Espanola, New Mexico (NM) Savings Rates - March 2026
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The savings 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.
The best savings rates for Espanola, New Mexico and the surrounding area include Century Bank Santa Fe, NMCentury Bank Santa Fe, NM322 N Riverside Dr, Espanola, NM 87532C-3.6 ★Texas Ratio: 31.78% Liberty Savings at 2.00% APY, UMB BankUMB Bank411 Carr Ln, Espanola, NM 87532A+5.0 ★Texas Ratio: 0.71% UMB Premium Savings at 0.55% APY, Del Norte Credit UnionDel Norte Credit Union1216 N Paseo de Onate, Espanola, NM 87532A+5.0 ★Texas Ratio: 3.51% Holiday Savings Account at 0.25% APY, ZIA Credit UnionZIA Credit Union707 S Riverside Dr, Espanola, NM 87532A+5.0 ★Texas Ratio: 4.75% Share Savings Account at 0.15% APY, and Wells FargoWells Fargo645 N Riverside Dr, Espanola, NM 87532A5.0 ★Texas Ratio: 7.44% Platinum Savings at 0.05% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Espanola, New Mexico, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Espanola, New Mexico (NM) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Espanola, New Mexico and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Espanola, New Mexico & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Century Bank Santa Fe, NM
Institution Rating:
C-3.6 ★Texas Ratio: 31.78%
322 N Riverside Dr, Espanola, NM 87532
Liberty Savings
2.00%
$2,000
▼
Rate1.98%
Min Deposit$2,000
Min Balance—
UpdatedMar 28, 2026
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
411 Carr Ln, Espanola, NM 87532
UMB Premium Savings
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
1216 N Paseo de Onate, Espanola, NM 87532
Holiday Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
1216 N Paseo de Onate, Espanola, NM 87532
IRA Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
1216 N Paseo de Onate, Espanola, NM 87532
Primary Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
with Average Daily Balance of $50,000
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
1216 N Paseo de Onate, Espanola, NM 87532
Business Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
with Average Daily Balance of $50,000
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
707 S Riverside Dr, Espanola, NM 87532
Share Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
707 S Riverside Dr, Espanola, NM 87532
Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
707 S Riverside Dr, Espanola, NM 87532
Tiered Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
1216 N Paseo de Onate, Espanola, NM 87532
Business Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
with Average Daily Balance of $25,000 - $49,999
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
1216 N Paseo de Onate, Espanola, NM 87532
Primary Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
with Average Daily Balance of $25,000 - $49,999
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
707 S Riverside Dr, Espanola, NM 87532
Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
707 S Riverside Dr, Espanola, NM 87532
Share Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
707 S Riverside Dr, Espanola, NM 87532
Tiered Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
1216 N Paseo de Onate, Espanola, NM 87532
Business Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
with Average Daily Balance of $5.00 - $1,999.99
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
1216 N Paseo de Onate, Espanola, NM 87532
Primary Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
with Average Daily Balance of $5.00 - $1,999.99
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
707 S Riverside Dr, Espanola, NM 87532
Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
707 S Riverside Dr, Espanola, NM 87532
Share Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
707 S Riverside Dr, Espanola, NM 87532
Tiered Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
645 N Riverside Dr, Espanola, NM 87532
Platinum Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
645 N Riverside Dr, Espanola, NM 87532
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Century Bank Santa Fe, NM
Institution Rating:
C-3.6 ★Texas Ratio: 31.78%
322 N Riverside Dr, Espanola, NM 87532
High Performance Savings
0.03%
$25
▼
Rate0.03%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Century Bank Santa Fe, NM
Institution Rating:
C-3.6 ★Texas Ratio: 31.78%
322 N Riverside Dr, Espanola, NM 87532
Business High Performance Savings
0.03%
$25
▼
Rate0.03%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Century Bank Santa Fe, NM
Institution Rating:
C-3.6 ★Texas Ratio: 31.78%
322 N Riverside Dr, Espanola, NM 87532
Minor Savings
0.03%
$25
▼
Rate0.03%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
411 Carr Ln, Espanola, NM 87532
UMB Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
645 N Riverside Dr, Espanola, NM 87532
Platinum Savings
0.02%
$25
▼
Rate0.02%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
645 N Riverside Dr, Espanola, NM 87532
Way2Save® Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
$25 minimum opening deposit
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
707 S Riverside Dr, Espanola, NM 87532
Share Savings Account
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
645 N Riverside Dr, Espanola, NM 87532
Platinum Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1710 Sudderth Dr, Ruidoso, NM 88345
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
CU Succeed Savings
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
Youth Savings Account
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6440 Gibson Blvd SE, Albuquerque, NM 87108
High-Yield Savings Account
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Qualifying balance up to $50,000.00
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
1850 Wyoming Blvd SE, Albuquerque, NM 87117
Peak PLUS Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Available only to holders of a Peak PLUS High Yield Checking or Peak PLUS Cash Back Checking account; Qualifying balance up to $200,000.00
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
1850 Wyoming Blvd SE, Albuquerque, NM 87117
Peak Plus High-Yield Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $200,000
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
MainStay Savings Account
2.65%
$0
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
210 N 5th St, Artesia, NM 88210 2000
IRA Shares
2.02%
$100,000
▼
Rate2.00%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 2026
Details
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
Health Savings Accounts
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Tucumcari Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
301 S 1st St, Tucumcari, NM 88401
Statement Savings
1.77%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
210 N 5th St, Artesia, NM 88210 2000
IRA Shares
1.76%
$50,000
▼
Rate1.75%
Min Deposit$50,000
Min Balance—
UpdatedMar 25, 2026
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
210 N 5th St, Artesia, NM 88210 2000
IRA Shares
1.51%
$25,000
▼
Rate1.50%
Min Deposit$25,000
Min Balance—
UpdatedMar 25, 2026
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
210 N 5th St, Artesia, NM 88210 2000
IRA Shares
1.26%
$10,000
▼
Rate1.25%
Min Deposit$10,000
Min Balance—
UpdatedMar 25, 2026
Details
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
Health Savings Accounts
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
210 N 5th St, Artesia, NM 88210 2000
IRA Shares
1.00%
$25
▼
Rate1.00%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
210 N 5th St, Artesia, NM 88210 2000
Regular Shares
0.75%
$50,000
▼
Rate0.75%
Min Deposit$50,000
Min Balance—
UpdatedMar 25, 2026
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
210 N 5th St, Artesia, NM 88210 2000
Share Draft / Checking
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Starting at
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
Health Savings Accounts
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
Basic Business Savings
0.50%
$500
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedMar 27, 2026
Details
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
Personal Savings
0.50%
$100
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedMar 27, 2026
Details
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
Health Savings Accounts
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Main Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
7300 Menaul Blvd Ne, Albuquerque, NM 87110
MainStay Savings Account
0.35%
$100
▼
Rate0.35%
Min Deposit$100
Min Balance—
UpdatedMar 27, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★Texas Ratio: 38.20%
414 10th St, Alamogordo, NM 88310
X-Mas Club Savings
0.25%
$10
▼
Rate0.25%
Min Deposit$10
Min Balance—
UpdatedMar 26, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5915 Wyoming Blvd Ne, Albuquerque, NM 87109
Youth Savings
0.25%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
$5 opening deposit required
First National Bank in Trinidad
Institution Rating:
B+4.8 ★Texas Ratio: 17.17%
1246 S 2nd St, Raton, NM 87740
Savings Account
0.25%
$10
▼
Rate0.25%
Min Deposit$10
Min Balance—
UpdatedMar 26, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★Texas Ratio: 38.20%
414 10th St, Alamogordo, NM 88310
Personal Savings
0.25%
$100
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedMar 26, 2026
Details
First National Bank Alamogordo, NM
Institution Rating:
D3.1 ★Texas Ratio: 38.20%
414 10th St, Alamogordo, NM 88310
Personal Savings**
0.25%
$100
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedMar 26, 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.
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.
Espanola, NM Savings Rate Trends
Compare local Espanola, NM savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — NM Avg
0.406%
▼ 1.393 from last week
New Mexico high-yield savings rates fell 1.393 points this week to 0.406% APY, down from 1.799% last week.
Standard Savings — NM Avg
0.255%
▼ 0.361 from last week
New Mexico standard savings rates fell 0.361 points this week to 0.255% APY, down from 0.617% last week.
As of Mar 28, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Espanola, 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 savings 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 Espanola, New Mexico. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in NM.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Espanola, New Mexico
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in New Mexico, help your money grow faster through a higher APY.
Are savings accounts in Espanola, 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 savings rates change in Espanola, New Mexico?
Savings 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.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Espanola, New Mexico may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Espanola, New Mexico?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Espanola, New Mexico offer in-person customer service, which some customers prefer.
How do I open a savings account in Espanola, New Mexico?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Espanola, New Mexico
Here are recent savings rates observed in Espanola, New Mexico and the surrounding area:
- Century Bank Santa Fe, NM
Liberty Savings — 2.00% APY - UMB Bank
UMB Premium Savings — 0.55% APY - Del Norte Credit Union
Holiday Savings Account — 0.25% APY - ZIA Credit Union
Share Savings Account — 0.15% APY - Wells Fargo
Platinum Savings — 0.05% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Espanola, New Mexico. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
