Credit union · NCUA insured
Del Norte Credit Union Savings Rates
Top CarrotDel Norte Credit Union’s best savings rate is 0.80% APY on $10,000, with its Money Market Checking Account. Rates checked October 22, 2026.
How Del Norte Credit Union’s savings 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
0.80%APY
- Minimum
- $2,000
- Earns on $10,000 a year
- $80
Money Market Checking Account
Top rate
WaFd Bank
3.82%APY
- Minimum
- $0
- Earns on $10,000 a year
- $382
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
Del Norte Credit Union savings score
83
Savings score
Higher than 63% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.80%
- $100,000 balance$100,0001.51%
- QualifiedQualified0.80%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Checking Account
0.80%APY
$2,000 minimum balance to open. Account uses average daily balance to obtain APY each monthly statement cycle. Variable rate account; rates and fees may change at any time. Money Market Checking Accounts do not qualify for Courtesy Pay and may not be used with Bill Pay. Make up to 6 withdrawals/debits per month to avoid fees, with a maximum of 3 by check or draft (service fee of $10 applies for more than 3 checks per month). May be opened online for new or existing members.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $10,000Minimum average daily balance of $2,000 to $9,999.99 each monthly statement cycle to obtain APY. Variable rate. | 0.75% | — | Minimum average daily balance of $2,000 to $9,999.99 each monthly statement cycle to obtain APY. Variable rate. |
| $10,000 – $25,000Minimum average daily balance of $10,000 to $24,999.99 each monthly statement cycle to obtain APY. Variable rate. | 0.80% | $80 | Minimum average daily balance of $10,000 to $24,999.99 each monthly statement cycle to obtain APY. Variable rate. |
| $25,000 – $50,000Minimum average daily balance of $25,000 to $49,999.99 each monthly statement cycle to obtain APY. Variable rate. | 1.00% | — | Minimum average daily balance of $25,000 to $49,999.99 each monthly statement cycle to obtain APY. Variable rate. |
| $50,000 – $100,000Minimum average daily balance of $50,000 to $99,999.99 each monthly statement cycle to obtain APY. Variable rate. Dividend rate is 1.25%. | 1.26% | — | Minimum average daily balance of $50,000 to $99,999.99 each monthly statement cycle to obtain APY. Variable rate. Dividend rate is 1.25%. |
| $100,000 and upMinimum average daily balance of $100,000 each monthly statement cycle to obtain APY. Variable rate. Dividend rate is 1.50%. | 1.51% | — | Minimum average daily balance of $100,000 each monthly statement cycle to obtain APY. Variable rate. Dividend rate is 1.50%. |
Sources (2)
All captured Oct 22, 2026
Certificate Builder Share Account
0.25%APY
Requires a $50 minimum monthly deposit for nine months. Fee may reduce earnings on the account. A penalty may be imposed for early withdrawal on any share certificate product.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and up$10.00 Minimum Balance to obtain APY. Requires a $50 minimum monthly deposit for nine months. A penalty may be imposed for early withdrawal on any share certificate product.$10 and up | 0.25% | $25 | $10.00 Minimum Balance to obtain APY. Requires a $50 minimum monthly deposit for nine months. A penalty may be imposed for early withdrawal on any share certificate product. |
Sources (1)
- dncu.com/rates-fees · captured Oct 22, 2026
Primary Savings Account
0.10%APY
Variable rate account; rate may change after account opening. Minimum balance to open of $5.00. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Minimum average daily balance to obtain APY is $5.00. | 0.10% | — | Minimum average daily balance to obtain APY is $5.00. |
| $2,000 – $9,999 | 0.10% | — | |
| $10,000 – $24,999 | 0.10% | $10 | |
| $25,000 – $49,999 | 0.15% | — | |
| $50,000 and up | 0.20% | — |
Sources (1)
- dncu.com/personal/savings · captured Oct 22, 2026
Special-purpose accounts
Baxter’s Bunch
0.25%APY
Youth savings account designed for young people. Variable rate account; rate may change after account opening. Minimum balance to open of $5.00. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum average daily balance to obtain APY is $5.00. Primary Savings Dividend Rate 0.25%.$5 and up | 0.25% | $25 | Minimum average daily balance to obtain APY is $5.00. Primary Savings Dividend Rate 0.25%. |
Sources (1)
- dncu.com/rates-fees · captured Oct 22, 2026
Holiday Savings Account
0.25%APY
Variable rate account; rate may change after account opening. Minimum balance to open of $10.00. Automatic transfer or payroll deduction monthly required (member chooses amount). Funds are deposited to member's share account annually during the 1st week of November. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upMinimum average daily balance to obtain APY is $10.00.$10 and up | 0.25% | $25 | Minimum average daily balance to obtain APY is $10.00. |
Sources (1)
- dncu.com/personal/savings · captured Oct 22, 2026
IRA Savings Account
0.25%APY
Traditional, ROTH and Education Savings IRAs available. Variable rate account; rate may change after account opening. Minimum balance to open of $5.00. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (2)
All captured Oct 22, 2026
Score! Teen Program
0.25%APY
Youth savings program designed for teens. Variable rate account; rate may change after account opening. Minimum balance to open of $5.00. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum average daily balance to obtain APY is $5.00. Primary Savings Dividend Rate 0.25%.$5 and up | 0.25% | $25 | Minimum average daily balance to obtain APY is $5.00. Primary Savings Dividend Rate 0.25%. |
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.