Santa Fe, New Mexico (NM) Savings Rates - March 2026
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Editorial Disclosure
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 Santa Fe, New Mexico and the surrounding area include Sandia Area Federal Credit UnionSandia Area Federal Credit Union4881 Main Street, Santa Fe, NM 87507A+5.0 ★Texas Ratio: 1.03% Peak PLUS High-Yield Savings at 3.00% APY, Century Bank Santa Fe, NMCentury Bank Santa Fe, NM100 S Federal Pl, Santa Fe, NM 87501C-3.6 ★Texas Ratio: 31.78% Liberty Savings at 2.00% APY, UMB BankUMB Bank1592 Saint Michaels Dr, Santa Fe, NM 87505A+5.0 ★Texas Ratio: 0.71% UMB Premium Savings at 0.55% APY, Del Norte Credit UnionDel Norte Credit Union3286 Cerrillos Rd, Santa Fe, NM 87507A+5.0 ★Texas Ratio: 3.51% Holiday Savings Account at 0.25% APY, and Nusenda Federal Credit UnionNusenda Federal Credit Union1710 Saint Michaels Dr, Santa Fe, NM 87505 7617A+5.0 ★Texas Ratio: 4.72% Non-Transaction Share/Dividend at 0.25% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Santa Fe, 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 Santa Fe, New Mexico (NM) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Santa Fe, New Mexico and the surrounding area. Last Updated and Verified: March 25, 2026
Compare the Best Savings Rates in Santa Fe, New Mexico & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
4881 Main Street, Santa Fe, NM 87507
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
Century Bank Santa Fe, NM
Institution Rating:
C-3.6 ★Texas Ratio: 31.78%
100 S Federal Pl, Santa Fe, NM 87501
Liberty Savings
2.00%
$2,000
▼
Rate1.98%
Min Deposit$2,000
Min Balance—
UpdatedMar 21, 2026
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1592 Saint Michaels Dr, Santa Fe, NM 87505
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%
3286 Cerrillos Rd, Santa Fe, NM 87507
Holiday Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1710 Saint Michaels Dr, Santa Fe, NM 87505 7617
Non-Transaction Share/Dividend
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1710 Saint Michaels Dr, Santa Fe, NM 87505 7617
IRA Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
IRA Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
706 Saint Michaels Dr, Santa Fe, NM 87505
Youth Savings
0.25%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
$5 opening deposit required
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
Business 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%
3286 Cerrillos Rd, Santa Fe, NM 87507
Primary Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
with Average Daily Balance of $50,000
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
4881 Main Street, Santa Fe, NM 87507
Traditional Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
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%
111 N Saint Francis Dr, Santa Fe, NM 87501 1441
Tiered 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%
111 N Saint Francis Dr, Santa Fe, NM 87501 1441
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%
111 N Saint Francis Dr, Santa Fe, NM 87501 1441
Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Member Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1710 Saint Michaels Dr, Santa Fe, NM 87505 7617
Transaction Share
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
State Employees Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.00%
813 Saint Michaels Dr, Santa Fe, NM 87505 7607
Special Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
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
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
4881 Main Street, Santa Fe, NM 87507
Traditional Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
111 N Saint Francis Dr, Santa Fe, NM 87501 1441
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%
111 N Saint Francis Dr, Santa Fe, NM 87501 1441
Share Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
706 Saint Michaels Dr, Santa Fe, NM 87505
Personal Savings
0.10%
$50
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMar 25, 2026
Details
$50 opening deposit required
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
111 N Saint Francis Dr, Santa Fe, NM 87501 1441
Tiered Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Los Alamos Schools Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
3286 Cerrillos Rd, Santa Fe, NM 87507 2925
Primary Shares-Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Del Norte Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
3286 Cerrillos Rd, Santa Fe, NM 87507
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%
3286 Cerrillos Rd, Santa Fe, NM 87507
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
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1710 Saint Michaels Dr, Santa Fe, NM 87505 7617
Transaction Share
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
241 Washington Ave, Santa Fe, NM 87501
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%
241 Washington Ave, Santa Fe, NM 87501
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
Sandia Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
4881 Main Street, Santa Fe, NM 87507
Traditional Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
111 N Saint Francis Dr, Santa Fe, NM 87501 1441
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%
111 N Saint Francis Dr, Santa Fe, NM 87501 1441
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%
111 N Saint Francis Dr, Santa Fe, NM 87501 1441
Tiered Savings Account
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%
100 S Federal Pl, Santa Fe, NM 87501
High Performance Savings
0.03%
$25
▼
Rate0.03%
Min Deposit$25
Min Balance—
UpdatedMar 21, 2026
Details
Century Bank Santa Fe, NM
Institution Rating:
C-3.6 ★Texas Ratio: 31.78%
100 S Federal Pl, Santa Fe, NM 87501
Minor Savings
0.03%
$25
▼
Rate0.03%
Min Deposit$25
Min Balance—
UpdatedMar 21, 2026
Details
Century Bank Santa Fe, NM
Institution Rating:
C-3.6 ★Texas Ratio: 31.78%
100 S Federal Pl, Santa Fe, NM 87501
Business High Performance Savings
0.03%
$25
▼
Rate0.03%
Min Deposit$25
Min Balance—
UpdatedMar 21, 2026
Details
Variable
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1592 Saint Michaels Dr, Santa Fe, NM 87505
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%
241 Washington Ave, Santa Fe, NM 87501
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%
241 Washington Ave, Santa Fe, NM 87501
Way2Save® Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
$25 minimum opening deposit
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
241 Washington Ave, Santa Fe, NM 87501
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
ZIA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
111 N Saint Francis Dr, Santa Fe, NM 87501 1441
Share Savings Account
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
1710 Saint Michaels Dr, Santa Fe, NM 87505 7617
Non-Transaction Share/Dividend
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
13402 Highway 6, Santa Fe, TX 77510
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
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
MainStay Savings Account
2.65%
$0
▼
Rate2.62%
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
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
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
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
Basic Business Savings
0.50%
$500
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedMar 20, 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.
Santa Fe, NM Savings Rate Trends
Compare local Santa Fe, 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 Santa Fe, 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 Santa Fe, 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 Santa Fe, 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 Santa Fe, 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 Santa Fe, 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 Santa Fe, 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 Santa Fe, New Mexico?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Santa Fe, New Mexico offer in-person customer service, which some customers prefer.
How do I open a savings account in Santa Fe, 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 Santa Fe, New Mexico
Here are recent savings rates observed in Santa Fe, New Mexico and the surrounding area:
- Sandia Area Federal Credit Union
Peak PLUS High-Yield Savings — 3.00% APY - 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 - Nusenda Federal Credit Union
Non-Transaction Share/Dividend — 0.25% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Santa Fe, New Mexico. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026
