Los Lunas, 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 Los Lunas, New Mexico and the surrounding area include Kirtland Federal Credit UnionKirtland Federal Credit Union2270 Main St NW Ste D, Los Lunas, NM 87031A5.0 ★Texas Ratio: 6.43% High-Yield Savings Account at 3.04% APY, UMB BankUMB Bank1810 Main St Nw, Los Lunas, NM 87031A+5.0 ★Texas Ratio: 0.71% UMB Premium Savings at 0.55% APY, BOK FinancialBOK Financial645 Main Street NE, Los Lunas, NM 87031A+5.0 ★Texas Ratio: 3.85% Youth Savings at 0.25% APY, Nusenda Federal Credit UnionNusenda Federal Credit Union320 Main St NW, Los Lunas, NM 87031A+5.0 ★Texas Ratio: 4.72% IRA Savings at 0.25% APY, and State Employees Credit UnionState Employees Credit Union280 Emilio Lopez Rd NW, Los Lunas, NM 87031C3.8 ★Texas Ratio: 29.00% Special Savings at 0.15% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Los Lunas, 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 Los Lunas, New Mexico (NM) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Los Lunas, New Mexico and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Los Lunas, New Mexico & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
2270 Main St NW Ste D, Los Lunas, NM 87031
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
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1810 Main St Nw, Los Lunas, NM 87031
UMB Premium Savings
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
645 Main Street NE, Los Lunas, NM 87031
Youth Savings
0.25%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
$5 opening deposit required
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
320 Main St NW, Los Lunas, NM 87031
IRA Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
320 Main St NW, Los Lunas, NM 87031
Non-Transaction Share/Dividend
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
280 Emilio Lopez Rd NW, Los Lunas, NM 87031
Special Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
280 Emilio Lopez Rd NW, Los Lunas, NM 87031
Member Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
320 Main St NW, Los Lunas, NM 87031
Transaction Share
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
2270 Main St NW Ste D, Los Lunas, NM 87031
Share (Savings) Accounts
0.10%
$5
▼
Rate0.10%
Min Deposit$5
Min Balance—
UpdatedMar 27, 2026
Details
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
2270 Main St NW Ste D, Los Lunas, NM 87031
High-Yield Savings Account
0.10%
$50,001
▼
Rate0.10%
Min Deposit$50,001
Min Balance—
UpdatedMar 27, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
320 Main St NW, Los Lunas, NM 87031
Transaction Share
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
645 Main Street NE, Los Lunas, NM 87031
Personal Savings
0.10%
$50
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMar 25, 2026
Details
$50 opening deposit required
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1027 Main St Sw, Los Lunas, NM 87031
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Kirtland Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
2270 Main St NW Ste D, Los Lunas, NM 87031
Share Draft (Checking) Accounts
0.05%
$500
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedMar 27, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1027 Main St Sw, Los Lunas, NM 87031
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
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1810 Main St Nw, Los Lunas, NM 87031
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%
1027 Main St Sw, Los Lunas, NM 87031
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%
1027 Main St Sw, Los Lunas, NM 87031
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
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1027 Main St Sw, Los Lunas, NM 87031
Way2Save® Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
$25 minimum opening deposit
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
320 Main St NW, Los Lunas, NM 87031
Non-Transaction Share/Dividend
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
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
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
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
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
First Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.46%
2700 San Mateo Blvd NE, Albuquerque, NM 87110 3160
IDA Savings Account
0.70%
$0
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
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
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
210 N 5th St, Artesia, NM 88210 2000
Regular Shares
0.60%
$35,000
▼
Rate0.60%
Min Deposit$35,000
Min Balance—
UpdatedMar 25, 2026
Details
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
Roth IRA Savings
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
2220 N DAL PASO St, HOBBS, NM 88240 3048
Regular Share Account
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Rio Grande Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
301 Rio Bravo Blvd SE, Albuquerque, NM 87105
Traditional IRA Savings
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Everyones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
505 E Route 66 Blvd, Tucumcari, NM 88401 3137
Regular Shares (Savings)
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Everyones Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
505 E Route 66 Blvd, Tucumcari, NM 88401 3137
Regular Shares (Savings)
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 23, 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
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM 88201
Christmas Club Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 24, 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
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
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
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
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
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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.
Los Lunas, NM Savings Rate Trends
Compare local Los Lunas, 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 Los Lunas, 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 Los Lunas, 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 Los Lunas, 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 Los Lunas, 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 Los Lunas, 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 Los Lunas, 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 Los Lunas, New Mexico?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Los Lunas, New Mexico offer in-person customer service, which some customers prefer.
How do I open a savings account in Los Lunas, 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 Los Lunas, New Mexico
Here are recent savings rates observed in Los Lunas, New Mexico and the surrounding area:
- Kirtland Federal Credit Union
High-Yield Savings Account — 3.04% APY - UMB Bank
UMB Premium Savings — 0.55% APY - BOK Financial
Youth Savings — 0.25% APY - Nusenda Federal Credit Union
IRA Savings — 0.25% APY - State Employees Credit Union
Special Savings — 0.15% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Los Lunas, New Mexico. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
