Credit union · NCUA insured
Artesia Credit Union CD Rates
Artesia Credit Union’s best CD rate is 4.32% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Artesia Credit Union’s CD rates compare
Compared with banks and credit unions near Roswell, NM, where Artesia Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Artesia Credit Union
4.32%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $432
Share Certificates
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
3rd-highest rate
WaFd Bank
4.10%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $445
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.32%APY · 6 terms
Dividends are compounded daily and applied quarterly. $5,000.00 minimum deposit. Early withdrawal penalty: 90 days. Certificates which are automatically renewed will receive the rate in effect on the renewal date. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty: 90 days | 3.04% | $151 |
| 12 monthsEarly withdrawal penalty: 90 days | 4.32% | $432 |
| 24 monthsEarly withdrawal penalty: 90 days | 4.16% | $849 |
| 36 monthsEarly withdrawal penalty: 90 days | 3.49% | $1,084 |
| 48 monthsEarly withdrawal penalty: 90 days | 3.49% | $1,471 |
| 60 monthsEarly withdrawal penalty: 90 days | 3.49% | $1,871 |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
IRA Certificates
Up to 4.58%APY · 2 terms
Fixed rate account (not variable). $5,000.00 minimum to open account. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFixed rate account | 4.32% | $432 |
| 24 monthsFixed rate account | 4.58% | $937 |
Who can join Artesia Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Residents of New Mexico are eligible for membership.
Employers and groups
- Residents of New Mexico who are executive officers, board members, committee members, and employees of credit unions, or executive officers, directors, and employees of qualifying employers without a separate credit union, are eligible for membership.
- Employees and retirees of specified employer and corporate groups in the area, as well as employees of this credit union, are eligible for membership.
Military, government and schools
- Employees of the Artesia Public Schools, members of the Board of Education of the Artesia Public Schools, members of the Artesia Association of Educational Retirees, and any retired school employee residing in Eddy County are eligible for membership.
- Employees of the City of Artesia and employees of the Eddy County Sheriff's Department are eligible for membership.
Family and household
- Members of the immediate families of members qualified under Subsection A or B are eligible for membership.
3 more ways to join
Family and household
- Members of the immediate families of qualifying eligible persons are eligible for membership.
Other ways
- Residents of New Mexico in the field of membership of liquidated credit unions entering voluntary or involuntary liquidation proceedings are eligible for membership.
- Organizations of eligible persons are eligible for membership.
Membership information collected October 4, 2026.