Roswell, 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 Roswell, New Mexico and the surrounding area include Artesia Credit UnionArtesia Credit Union1401 N Lea Ave, Roswell, NM 88201 5038A+5.0 ★Texas Ratio: 2.57% IRA Shares at 2.02% APY, Roswell Community Federal Credit UnionRoswell Community Federal Credit Union2514 N Main St, Roswell, NM 88201A+5.0 ★Texas Ratio: 3.98% Christmas Club Savings at 0.50% APY, The Florist Federal Credit UnionThe Florist Federal Credit Union313 W Country Club Rd Ste 11, ROSWELL, NM 88201 5804A5.0 ★Texas Ratio: 6.28% Regular Savings (Avg. Daily Balance above at 0.30% APY, Otero Federal Credit UnionOtero Federal Credit Union1900 S Main St, Roswell, NM 88203 1837A+5.0 ★Texas Ratio: 1.15% Share IRAs at 0.15% APY, and Wells FargoWells Fargo400 N Pennsylvania Ave, Roswell, NM 88201A5.0 ★Texas Ratio: 7.44% Retirement High Yield Savings at 0.05% APY. Savings rates as of March 26, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Roswell, 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 Roswell, New Mexico (NM) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Roswell, New Mexico and the surrounding area. Last Updated and Verified: March 26, 2026
Compare the Best Savings Rates in Roswell, New Mexico & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1401 N Lea Ave, Roswell, NM 88201 5038
IRA Shares
2.02%
$100,000
▼
Rate2.00%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 2026
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1401 N Lea Ave, Roswell, NM 88201 5038
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%
1401 N Lea Ave, Roswell, NM 88201 5038
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%
1401 N Lea Ave, Roswell, NM 88201 5038
IRA Shares
1.26%
$10,000
▼
Rate1.25%
Min Deposit$10,000
Min Balance—
UpdatedMar 25, 2026
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1401 N Lea Ave, Roswell, NM 88201 5038
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%
1401 N Lea Ave, Roswell, NM 88201 5038
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%
1401 N Lea Ave, Roswell, NM 88201 5038
Share Draft / Checking
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Starting at
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1401 N Lea Ave, Roswell, NM 88201 5038
Regular Shares
0.60%
$35,000
▼
Rate0.60%
Min Deposit$35,000
Min Balance—
UpdatedMar 25, 2026
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1401 N Lea Ave, Roswell, NM 88201 5038
Regular Shares
0.50%
$10,000
▼
Rate0.50%
Min Deposit$10,000
Min Balance—
UpdatedMar 25, 2026
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1401 N Lea Ave, Roswell, NM 88201 5038
Share Draft / Checking
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM 88201
Savings
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1401 N Lea Ave, Roswell, NM 88201 5038
Regular Shares
0.40%
$5,000
▼
Rate0.40%
Min Deposit$5,000
Min Balance—
UpdatedMar 25, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM 88201
Savings
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 24, 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
Regular Savings (Avg. Daily Balance above
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
$2,500
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM 88201
Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1401 N Lea Ave, Roswell, NM 88201 5038
Regular Shares
0.20%
$100
▼
Rate0.20%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2514 N Main St, Roswell, NM 88201
Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
1900 S Main St, Roswell, NM 88203 1837
Share IRAs
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 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
Regular Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Otero Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
1900 S Main St, Roswell, NM 88203 1837
Regular Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
400 N Pennsylvania Ave, Roswell, NM 88201
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
400 N Pennsylvania Ave, Roswell, NM 88201
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%
400 N Pennsylvania Ave, Roswell, NM 88201
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%
400 N Pennsylvania Ave, Roswell, NM 88201
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%
400 N Pennsylvania Ave, Roswell, NM 88201
Way2Save® Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
$25 minimum opening deposit
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
675 Holcomb Bridge Rd, Roswell, GA 30076
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 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%
$5
▼
Rate3.00%
Min Deposit$5
Min Balance—
UpdatedMar 21, 2026
Details
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.
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 21, 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 20, 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 High-Yield Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 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 20, 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 21, 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 20, 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
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 20, 2026
Details
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
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
Roth IRA Savings
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 21, 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 20, 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 21, 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
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
709 Pile St, Clovis, NM 88101
UMB Premium Savings
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 22, 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 20, 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 20, 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 20, 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 20, 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
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
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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.
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.
Roswell, NM Savings Rate Trends
Compare local Roswell, 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%
▼ 1.076 from last week
New Mexico high-yield savings rates fell 1.076 points this week to 0.406% APY, down from 1.482% last week.
Standard Savings — NM Avg
0.254%
▼ 0.253 from last week
New Mexico standard savings rates fell 0.253 points this week to 0.254% APY, down from 0.507% last week.
As of Mar 26, 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 Roswell, 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 Roswell, 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 Roswell, 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 Roswell, 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 Roswell, 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 Roswell, 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 Roswell, New Mexico?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Roswell, New Mexico offer in-person customer service, which some customers prefer.
How do I open a savings account in Roswell, 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 Roswell, New Mexico
Here are recent savings rates observed in Roswell, New Mexico and the surrounding area:
- Artesia Credit Union
IRA Shares — 2.02% APY - Roswell Community Federal Credit Union
Christmas Club Savings — 0.50% APY - The Florist Federal Credit Union
Regular Savings (Avg. Daily Balance above — 0.30% APY - Otero Federal Credit Union
Share IRAs — 0.15% APY - Wells Fargo
Retirement High Yield Savings — 0.05% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Roswell, New Mexico. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 26, 2026
