Raton, New Mexico (NM) Savings Rates - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Raton, New Mexico and the surrounding area include UMB BankUMB Bank1104 S 2nd St, Raton, NM 87740A+5.0 ★Texas Ratio: 0.71% UMB Premium Savings at 0.55% APY, First National Bank in TrinidadFirst National Bank in Trinidad1246 S 2nd St, Raton, NM 87740B+4.8 ★Texas Ratio: 17.17% Savings Account at 0.25% APY, Wells FargoWells Fargo1103 S 2nd St, Raton, NM 87740A5.0 ★Texas Ratio: 7.44% Platinum Savings at 0.05% APY, PNC BankPNC Bank1710 Sudderth Dr, Ruidoso, NM 88345A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, and Kirtland Federal Credit UnionKirtland Federal Credit Union6440 Gibson Blvd SE, Albuquerque, NM 87108A5.0 ★Texas Ratio: 6.43% High-Yield Savings Account at 3.04% APY. Savings rates as of March 26, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Raton, 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 Raton, New Mexico (NM) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Raton, New Mexico and the surrounding area. Last Updated and Verified: March 26, 2026
Compare the Best Savings Rates in Raton, New Mexico & Surrounding Communities
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
$25 minimum opening deposit
Qualifying balance up to $50,000.00
Account requires $5.00 minimum opening balance. Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly.
Qualifying balance up to $200,000
Starting at
Account requires $5.00 minimum opening balance. Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly.
Account requires $5.00 minimum opening balance. Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly.
As High As
As High As
$5 opening deposit required
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.
Raton, NM Savings Rate Trends
Compare local Raton, 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.
New Mexico high-yield savings rates fell 1.076 points this week to 0.406% APY, down from 1.482% last week.
New Mexico standard savings rates fell 0.253 points this week to 0.254% APY, down from 0.507% last week.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Raton, 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 Raton, 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 Raton, New Mexico
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Raton, New Mexico safe?
How often do savings rates change in Raton, New Mexico?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Raton, New Mexico?
How do I open a savings account in Raton, New Mexico?
Best Savings Rates in Raton, New Mexico
- UMB Bank
UMB Premium Savings — 0.55% APY - First National Bank in Trinidad
Savings Account — 0.25% APY - Wells Fargo
Platinum Savings — 0.05% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - Kirtland Federal Credit Union
High-Yield Savings Account — 3.04% APY
