Credit union · NCUA insured
Del Norte Credit Union CD Rates
Top CarrotDel Norte Credit Union’s best CD rate is 5.23% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Del Norte Credit Union’s CD rates compare
Compared with banks and credit unions near Santa Fe, NM, where Del Norte Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Del Norte Credit Union
5.18%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $562
Certificates
2nd-highest rate
Northern New Mexico School Employees Federal Credit Union
5.12%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,050
Northern New Mexico School Employees Federal Credit Union rates
3rd-highest rate
State Employees Credit Union
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $247
Del Norte Credit Union CD score
99
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.39%
- 9–15 months9–15 mo5.18%
- 16–30 months16–30 mo4.13%
- 31–60 months31–60 mo4.13%
- QualifiedQualified5.18%
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 Del Norte Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 5.18%APY · 11 terms
Penalty may be imposed for early withdrawal. Fees may reduce earnings. Dividends compounded daily and paid monthly.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 3.56% | 3.61% | 3.67% | 3.56%3.61% from $10k3.67% from $100k | $88 |
| 6 months | 3.82% | 3.87% | 3.92% | 3.82%3.87% from $10k3.92% from $100k | $189 |
| 8 months8 month Special. At maturity will roll over to six-month share certificate at current rates | 4.34% | 4.39% | 4.45% | 4.34%4.39% from $10k4.45% from $100k | $287 |
| 9 months | 3.82% | 3.87% | 3.92% | 3.82%3.87% from $10k3.92% from $100k | $285 |
| 12 months | 3.82% | 3.87% | 3.92% | 3.82%3.87% from $10k3.92% from $100k | $382 |
| 13 months13 month Special | 5.13% | 5.18% | 5.23% | 5.13%5.18% from $10k5.23% from $100k | $557 |
| 18 months | 3.82% | 3.87% | 3.92% | 3.82%3.87% from $10k3.92% from $100k | $578 |
| 24 months | 4.08% | 4.13% | 4.18% | 4.08%4.13% from $10k4.18% from $100k | $833 |
| 36 months | 4.08% | 4.13% | 4.18% | 4.08%4.13% from $10k4.18% from $100k | $1,275 |
| 48 months | 4.08% | 4.13% | 4.18% | 4.08%4.13% from $10k4.18% from $100k | $1,735 |
| 60 months | 4.08% | 4.13% | 4.18% | 4.08%4.13% from $10k4.18% from $100k | $2,213 |
Certificate Builder Share Account
0.25%APY · 1 term
Requires a $50 minimum monthly deposit for nine months. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsRequires a $50 minimum monthly deposit for nine months | 0.25% | $19 |
Sources (1)
- dncu.com/personal/certificates · captured Oct 3, 2026
Special-purpose accounts
IRA Certificates
Up to 5.18%APY · 11 terms
Available to those who meet all IRS IRA eligibility requirements and have earned income in the current tax year. Tax-deferred dividends. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Traditional, ROTH and Education Savings IRAs available.
| Term | APY · $1,000 and up | APY · $10,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 3.56% | 3.61% | 3.67% | 3.56%3.61% from $10k3.67% from $100k | $88 |
| 6 months | 3.82% | 3.87% | 3.92% | 3.82%3.87% from $10k3.92% from $100k | $189 |
| 8 months8 month Special. At maturity will roll over to six-month share certificate at current rates | 4.34% | 4.39% | 4.45% | 4.34%4.39% from $10k4.45% from $100k | $287 |
| 9 months | 3.82% | 3.87% | 3.92% | 3.82%3.87% from $10k3.92% from $100k | $285 |
| 12 months | 3.82% | 3.87% | 3.92% | 3.82%3.87% from $10k3.92% from $100k | $382 |
| 13 months13 month Special | 5.13% | 5.18% | 5.23% | 5.13%5.18% from $10k5.23% from $100k | $557 |
| 18 months | 3.82% | 3.87% | 3.92% | 3.82%3.87% from $10k3.92% from $100k | $578 |
| 24 months | 4.08% | 4.13% | 4.18% | 4.08%4.13% from $10k4.18% from $100k | $833 |
| 36 months | 4.08% | 4.13% | 4.18% | 4.08%4.13% from $10k4.18% from $100k | $1,275 |
| 48 months | 4.08% | 4.13% | 4.18% | 4.08%4.13% from $10k4.18% from $100k | $1,735 |
| 60 months | 4.08% | 4.13% | 4.18% | 4.08%4.13% from $10k4.18% from $100k | $2,213 |
Sources (2)
All captured Oct 3, 2026
Who can join Del Norte Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons in contiguous states living or working within 150 miles of Raton, subject to the rules and regulations of those states.
- Membership is open to persons living or working in all counties of the State of New Mexico.
Employers and groups
- Membership is open to employees of Del Norte Credit Union.
Military, government and schools
- Membership is open to employees of the Los Alamos National Laboratory (LANL) and other personnel assigned to LANL.
Family and household
- Membership is open to immediate family members of employees of Del Norte Credit Union.
Membership information collected October 4, 2026.