Bank · FDIC insured
Citizens Bank of Las Cruces Savings Rates
Citizens Bank of Las Cruces’s best savings rate is 5.12% APY, with its Hero Savings, with extra requirements. Rates checked October 22, 2026.
How Citizens Bank of Las Cruces’s savings rates compare
Compared with banks and credit unions in New Mexico, where Citizens Bank of Las Cruces has the most branches. $10,000, best rate first.
This bank’s best
Citizens Bank of Las Cruces
5.12%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $512
Hero Savings
2nd-highest rate
America First Credit Union
3.95%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $395
3rd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Hero Savings
5.12%APY
Must provide proof of active service (military ID, employee/volunteer ID, paystub, or veterans ID) verifying role as an active first responder, educator, military personnel, healthcare worker, or veteran. At least one account owner must have an open checking account with Citizens Bank.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Earns 5.00% interest (5.12% APY) on balances up to $50,000. Balances in excess of $50,000 earn the regular savings account rate.Up to $50,000 | 5.12% | $512 | Earns 5.00% interest (5.12% APY) on balances up to $50,000. Balances in excess of $50,000 earn the regular savings account rate. |
Sources (1)
- citizenslc.com/personal/hero-savings · captured Sep 16, 2026
Special-purpose accounts
LevelUp21 Savings
5.12%APY
Offered to account holders age 21 or below. At least one adult owner (18 or older) is required on the account and must also have an open checking account with Citizens Bank. Maximum of one LevelUp21 Account per junior account holder.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Earns 5.00% interest (5.12% APY) on balances up to $50,000. Balances in excess of $50,000 earn the regular savings account rate.Up to $50,000 | 5.12% | $512 | Earns 5.00% interest (5.12% APY) on balances up to $50,000. Balances in excess of $50,000 earn the regular savings account rate. |
Sources (1)
- citizenslc.com/personal/levelup21-savings · captured Sep 16, 2026
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.