Bank · FDIC insured
Centinel Bank of Taos Savings Rates
Centinel Bank of Taos’s best savings rate is 0.65% APY on $10,000, with its Simple Savings. Rates checked October 22, 2026.
How Centinel Bank of Taos’s savings 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
0.65%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $65
Simple Savings
Top rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
2nd-highest rate
Nusenda Credit Union
1.10%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $110
Centinel Bank of Taos savings score
82
Savings score
Higher than 59% of U.S. banks and credit unions
- $1,000 balance$1,0000.65%
- $10,000 balance$10,0000.65%
- $100,000 balance$100,0001.16%
- QualifiedQualified0.65%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market Deposit Account
0.60%APY
Fees could reduce the earning on the account. Rate may change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Monthly fee of $14.00 applies only if under minimum balance of $5,000. | 0.60% | $60 | Monthly fee of $14.00 applies only if under minimum balance of $5,000. |
| $25,000 and upMonthly fee of $14.00 applies only if under minimum balance of $5,000. | 1.00% | — | Monthly fee of $14.00 applies only if under minimum balance of $5,000. |
| $75,000 and upMonthly fee of $14.00 applies only if under minimum balance of $5,000. | 1.16% | — | Monthly fee of $14.00 applies only if under minimum balance of $5,000. |
| $150,000 and upMonthly fee of $14.00 applies only if under minimum balance of $5,000. | 1.26% | — | Monthly fee of $14.00 applies only if under minimum balance of $5,000. |
| $250,000 and upMonthly fee of $14.00 applies only if under minimum balance of $5,000. | 1.76% | — | Monthly fee of $14.00 applies only if under minimum balance of $5,000. |
| $500,000 and upMonthly fee of $14.00 applies only if under minimum balance of $5,000. | 1.86% | — | Monthly fee of $14.00 applies only if under minimum balance of $5,000. |
| $1,000,000 and upMonthly fee of $14.00 applies only if under minimum balance of $5,000. | 1.91% | — | Monthly fee of $14.00 applies only if under minimum balance of $5,000. |
Sources (2)
- centinelbank.com/assets/files/…20Sheet%2009.01.2026.pdf
- centinelbank.com/personal/compare-checking-accounts
All captured Sep 16, 2026
Simple Savings
0.65%APY
$500 minimum daily balance to avoid $14.00 quarterly service charge. First 3 withdrawals per quarter are free; subsequent withdrawals are $2.00 each. Interest compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$500 minimum daily balance to avoid $14.00 quarterly service charge. First 3 withdrawals per quarter are free; subsequent withdrawals are $2.00 each. Interest compounded and credited quarterly.Any balance | 0.65% | $65 | $500 minimum daily balance to avoid $14.00 quarterly service charge. First 3 withdrawals per quarter are free; subsequent withdrawals are $2.00 each. Interest compounded and credited quarterly. |
Special-purpose accounts
Minor Savings
0.65%APY
Must be under 21 years of age. Birth certificate and/or social security card required at account opening. No monthly service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFor youth under 21 years of age. No monthly service charge.Any balance | 0.65% | $65 | For youth under 21 years of age. No monthly service charge. |
Sources (2)
- centinelbank.com/assets/files/…20Sheet%2009.01.2026.pdf
- centinelbank.com/personal/savings-cd--ira-accounts
All captured Sep 16, 2026
Health Savings Account (HSA)
0.20%APY
Must be used with a High Deductible Health Care Plan. $500 minimum daily balance to avoid $5.78 monthly service charge. Unlimited check writing.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust be used with a High Deductible Health Care Plan. $500 minimum daily balance to avoid $5.78 monthly service charge.Any balance | 0.20% | $20 | Must be used with a High Deductible Health Care Plan. $500 minimum daily balance to avoid $5.78 monthly service charge. |
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.