Credit union · NCUA insured
Guadalupe Credit Union CD Rates
Top CarrotGuadalupe Credit Union’s best CD rate is 4.34% APY on a 27-month share certificate (CD). Terms run from 3 months to 4 years. Rates checked October 22, 2026.
How Guadalupe Credit Union’s CD rates compare
Compared with banks and credit unions near Santa Fe, NM, where Guadalupe Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Guadalupe Credit Union
4.34%APY
- Term
- 27 months
- Minimum
- $1,000
- Earns on $10,000
- $1,003
Share Certificates
Top rate
Del Norte Credit Union
5.18%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $562
2nd-highest rate
Northern New Mexico School Employees Federal Credit Union
5.12%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,050
Northern New Mexico School Employees Federal Credit Union rates
Guadalupe Credit Union CD score
86
CD score
Higher than 74% of U.S. banks and credit unions
- 3–8 months3–8 mo3.66%
- 9–15 months9–15 mo3.66%
- 16–30 months16–30 mo4.34%
- 31–60 months31–60 mo3.04%
- QualifiedQualified4.34%
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 Guadalupe 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.
Share Certificates
Up to 4.34%APY · 7 terms
Early surrender penalties apply.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 1.00% | — | 1.00% | $25 |
| 3 monthsRoyalty rate for members age 65 and older | 1.05% | — | 1.05% | $26 |
| 6 months | 3.61% | — | 3.61% | $179 |
| 6 monthsRoyalty rate for members age 65 and older | 3.66% | — | 3.66% | $181 |
| 12 months | 3.61% | — | 3.61% | $361 |
| 12 monthsRoyalty rate for members age 65 and older | 3.66% | — | 3.66% | $366 |
| 24 months | 3.30% | — | 3.30% | $671 |
| 24 monthsRoyalty rate for members age 65 and older | 3.35% | — | 3.35% | $681 |
| 27 months27 Month CD SPECIAL | — | 4.34% | 4.34% | $1,003 |
| 36 months | 2.99% | — | 2.99% | $924 |
| 36 monthsRoyalty rate for members age 65 and older | 3.04% | — | 3.04% | $940 |
| 48 months | 2.36% | — | 2.36% | $978 |
| 48 monthsRoyalty rate for members age 65 and older | 2.41% | — | 2.41% | $999 |
Direct Deposit Certificate
1.76%APY · 1 term
Funding and additions through direct deposit or scheduled ACH deposits.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsFunding & additions through direct deposit or scheduled ACH deposits | 1.76% | $265 |
Sources (1)
- guadalupecu.org/cdrates · captured Oct 22, 2026
Special-purpose accounts
Youth Starter Certificate
1.76%APY · 1 term
Available to members age 18 and under. New money can be added.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable to members age 18 and under. New money can be added | 1.76% | $176 |
Closed to new customers
Individual Retirement Accounts (IRA) CD
Up to 0.60%APY · 3 terms
Traditional & Roth options available for renewal only for either Club or Certificate accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable for renewal only | 0.45% | $45 |
| 18 monthsAvailable for renewal only | 0.55% | $83 |
| 24 monthsAvailable for renewal only | 0.60% | $120 |
Sources (1)
- guadalupecu.org/cdrates · captured Oct 22, 2026
Who can join Guadalupe Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals employed or residing in Santa Fe County, Mora County, Rio Arriba County, San Miguel County, Taos County, Colfax County, or Torrance County.
Military, government and schools
- Employees and family members of employees of the Health and Environment, Human Services, and Children Youth and Family Departments of the State of New Mexico.
Family and household
- Immediate family members of current GCU members.
Cost to join
- A $5.00 minimum balance is required for the account.
- A $1.00 one-time membership fee is required.
Membership information collected October 4, 2026.