Bank · FDIC insured
Centinel Bank of Taos CD Rates
Centinel Bank of Taos’s best CD rate is 3.29% APY on a 3-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Centinel Bank of Taos’s CD rates compare
Compared with banks and credit unions near Taos, NM, where Centinel Bank of Taos has the most branches. $10,000, best rate first.
This bank’s best
Centinel Bank of Taos
3.29%APY
- Term
- 3 months
- Minimum
- $1,000
- Earns on $10,000
- $82
Certificate of Deposit
Top rate
Guadalupe Credit Union
4.34%APY
- Term
- 27 months
- Minimum
- $1,000
- Earns on $10,000
- $1,003
2nd-highest rate
Nusenda Credit Union
3.90%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,108
Centinel Bank of Taos CD score
70
CD score
Higher than 27% of U.S. banks and credit unions
- 3–8 months3–8 mo3.29%
- 9–15 months9–15 mo3.15%
- 16–30 months16–30 mo3.05%
- 31–60 months31–60 mo3.05%
- QualifiedQualified3.29%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Centinel Bank of Taos ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 3.29%APY · 7 terms
A penalty may be imposed for early withdrawal. Monthly service charge: $0.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsA penalty may be imposed for early withdrawal | 3.29% | $82 |
| 6 monthsA penalty may be imposed for early withdrawal | 3.23% | $162 |
| 12 monthsA penalty may be imposed for early withdrawal | 3.15% | $315 |
| 24 monthsA penalty may be imposed for early withdrawal | 3.05% | $619 |
| 36 monthsA penalty may be imposed for early withdrawal | 3.05% | $943 |
| 48 monthsA penalty may be imposed for early withdrawal | 3.00% | $1,255 |
| 60 monthsA penalty may be imposed for early withdrawal | 3.00% | $1,593 |
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.25%APY · 3 terms
Traditional, Roth and SEP Individual Retirement Accounts. Rollovers or transfers from other retirement plans are available. Early withdrawal penalties may apply. Monthly service charge: $0.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsA penalty may be imposed for early withdrawal | 3.15% | $476 |
| 30 monthsA penalty may be imposed for early withdrawal | 3.20% | $819 |
| 60 monthsA penalty may be imposed for early withdrawal | 3.25% | $1,734 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.