Everyone's Federal Credit Union Savings & Money Market Rates

How Everyone's Federal Credit Union’s savings rates compare

Compared with banks and credit unions in New Mexico, where Everyone's Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Everyone's Federal Credit Union
0.45%APY
Requires
None
Minimum
$25
Earns on $10,000 a year
$45
Regular Share Savings
Top rate
Citizens Bank of Las Cruces
5.12%APY
Requires
Another account
Minimum
$25
Earns on $10,000 a year
$512
Citizens Bank of Las Cruces rates
2nd-highest rate
America First Credit Union
3.95%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$395
America First Credit Union rates

Compare savings rates near you →

Savings score

Higher than 45% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.40%
$10,000 balance$10,0000.45%
$100,000 balance$100,0000.55%
QualifiedQualified0.45%

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.

How the score works →

Where Everyone's Federal Credit Union ranks

By savings score, in each area where it has branches

#31 of 62New Mexico3

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Regular Share Savings

0.45%APY$25 to open

Variable-rate account. Requires completion of payment of five shares ($5.00 par value each, totaling $25.00) in the Share Savings Account as a condition of admission to membership. A minimum balance of $25.00 must be maintained to participate in credit union products and services.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $1,000Must maintain a minimum average daily balance of $100.00 in the account to obtain the disclosed annual percentage yield.	0.35%	—	Must maintain a minimum average daily balance of $100.00 in the account to obtain the disclosed annual percentage yield.
$1,000 – $5,000	0.40%	—
$5,000 – $20,000	0.45%	$45
$20,000 – $50,000	0.50%	—
$50,000 and up	0.55%	—

Sources (3)

All captured Sep 24, 2026

Special-purpose accounts

Individual Retirement Account (IRA Share Account)

2.50%APYIRA

Variable-rate IRA share account with monthly dividend period and monthly compounding/crediting.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$50 and upMust maintain a minimum average daily balance of $50.00 in the account to obtain the disclosed annual percentage yield. Minimum deposit to open.$50 and up	2.50%	$250	Must maintain a minimum average daily balance of $50.00 in the account to obtain the disclosed annual percentage yield. Minimum deposit to open.

Sources (3)

All captured Sep 24, 2026

Holiday Club Account

0.55%APYClub

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$10 and up	0.55%	$55

Sources (1)

everyonesfcu.com/ps-acct-rates.html · captured Sep 24, 2026

Kirby Kangaroo Club Share Account

0.25%APYKids and teens$5 to open

Available to children ages 0-12 years old. At 13 years old, the designation changes to a regular share account. Requires a $0.25 membership fee. A $5.00 penalty fee applies if closed within 60 days.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Up to $99Applies to deposit balances between $5.00 and $99.00.Up to $99	0.25%	—	Applies to deposit balances between $5.00 and $99.00.

Sources (1)

everyonesfcu.com/ps-acct.html · captured Sep 24, 2026

Who can join Everyone's Federal 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 available to individuals who live, work, or worship within Quay, Union, and Guadalupe Counties of the State of New Mexico.

Cost to join

A minimum deposit of $25.00 in a share-savings account is required to open an account.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

← Everyone's Federal Credit Union overview