Credit union · NCUA insured
Guadalupe Credit Union Savings Rates
Top CarrotGuadalupe Credit Union’s best savings rate is 0.10% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Guadalupe Credit Union’s savings 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
0.10%APY
- Minimum
- $0
- Earns on $10,000 a year
- $10
Special Savings
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
Guadalupe Credit Union savings score
65
Savings score
Higher than 15% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.35%
- QualifiedQualified0.10%
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 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.
Premier Money Market Account
Up to 0.40%APY
Subject to membership eligibility. Minimum balance of $10,000 required. Up to 3 free check withdrawals or 6 total withdrawals/transfers per month ($5.00 fee per additional transaction after sixth withdrawal). Minimum withdrawal amount is $1,000 ($10.00 fee for withdrawals below threshold). Low balance fee applies if minimum balance is not met.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $25,000Rates are variable and may change after the account is opened. Minimum $1,000.00 withdrawal. Maintain minimum balance to avoid monthly low balance fee. | 0.15% | — | Rates are variable and may change after the account is opened. Minimum $1,000.00 withdrawal. Maintain minimum balance to avoid monthly low balance fee. |
| $25,000 – $50,000Rates are variable and may change after the account is opened. Minimum $1,000.00 withdrawal. Maintain minimum balance to avoid monthly low balance fee. | 0.25% | — | Rates are variable and may change after the account is opened. Minimum $1,000.00 withdrawal. Maintain minimum balance to avoid monthly low balance fee. |
| $50,000 – $75,000Rates are variable and may change after the account is opened. Minimum $1,000.00 withdrawal. Maintain minimum balance to avoid monthly low balance fee. | 0.30% | — | Rates are variable and may change after the account is opened. Minimum $1,000.00 withdrawal. Maintain minimum balance to avoid monthly low balance fee. |
| $75,000 – $100,000Rates are variable and may change after the account is opened. Minimum $1,000.00 withdrawal. Maintain minimum balance to avoid monthly low balance fee. | 0.35% | — | Rates are variable and may change after the account is opened. Minimum $1,000.00 withdrawal. Maintain minimum balance to avoid monthly low balance fee. |
| Over $100,000Rates are variable and may change after the account is opened. Minimum $1,000.00 withdrawal. Maintain minimum balance to avoid monthly low balance fee. | 0.40% | — | Rates are variable and may change after the account is opened. Minimum $1,000.00 withdrawal. Maintain minimum balance to avoid monthly low balance fee. |
Sources (2)
- guadalupecu.org/moneymarket · captured Sep 16, 2026
- guadalupecu.org/savingsandcheckingrates · captured Oct 8, 2026
Money Market Account
0.10%APY
Subject to membership eligibility. Minimum daily balance of $1,000 required. Up to 3 free check withdrawals or 6 total withdrawals/transfers per month ($5.00 fee per additional withdrawal). $100 minimum per withdrawal ($5.00 fee for withdrawals under this amount). Low balance fee applies if minimum balance is not met.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $10,000Rates are variable and may change after the account is opened. Minimum $100.00 withdrawal. Maintain minimum balance to avoid monthly low balance fee. | 0.10% | $10 | Rates are variable and may change after the account is opened. Minimum $100.00 withdrawal. Maintain minimum balance to avoid monthly low balance fee. |
| $10,000 – $25,000Rates are variable and may change after the account is opened. Minimum $100.00 withdrawal. Maintain minimum balance to avoid monthly low balance fee. | 0.15% | — | Rates are variable and may change after the account is opened. Minimum $100.00 withdrawal. Maintain minimum balance to avoid monthly low balance fee. |
| $25,000 – $50,000Rates are variable and may change after the account is opened. Minimum $100.00 withdrawal. Maintain minimum balance to avoid monthly low balance fee. | 0.25% | — | Rates are variable and may change after the account is opened. Minimum $100.00 withdrawal. Maintain minimum balance to avoid monthly low balance fee. |
| Over $50,000Rates are variable and may change after the account is opened. Minimum $100.00 withdrawal. Maintain minimum balance to avoid monthly low balance fee. | 0.30% | — | Rates are variable and may change after the account is opened. Minimum $100.00 withdrawal. Maintain minimum balance to avoid monthly low balance fee. |
Sources (2)
- guadalupecu.org/moneymarket · captured Sep 16, 2026
- guadalupecu.org/savingsandcheckingrates · captured Oct 8, 2026
Car Maintenance
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upNo Minimum Amount To Open. No Low Balance Fee. Free Withdraws. Must have a minimum $100.00 balance in order to accumulate dividends. Rates are variable and may change after the account is opened.$100 and up | 0.10% | $10 | No Minimum Amount To Open. No Low Balance Fee. Free Withdraws. Must have a minimum $100.00 balance in order to accumulate dividends. Rates are variable and may change after the account is opened. |
Sources (2)
All captured Oct 15, 2026
Members Savings Account
0.10%APY
Subject to membership eligibility. One-time fee of $1.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMust have a minimum $100.00 balance in order to accumulate dividends. Rates are variable and may change after the account is opened.$100 and up | 0.10% | $10 | Must have a minimum $100.00 balance in order to accumulate dividends. Rates are variable and may change after the account is opened. |
Sources (2)
All captured Oct 15, 2026
Round-Up Savings
0.10%APY
Requires a GCU checking account with debit card.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upNo Minimum Amount To Open. No Low Balance Fee. Free Withdraws. Must have a minimum $100.00 balance in order to accumulate dividends. Rates are variable and may change after the account is opened.$100 and up | 0.10% | $10 | No Minimum Amount To Open. No Low Balance Fee. Free Withdraws. Must have a minimum $100.00 balance in order to accumulate dividends. Rates are variable and may change after the account is opened. |
Sources (2)
All captured Oct 15, 2026
Special Savings
0.10%APY
Unlimited transactions and free withdrawals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upNo Minimum Amount To Open. No Low Balance Fee. Free Withdraws. Must have a minimum $100.00 balance in order to accumulate dividends. Rates are variable and may change after the account is opened.$100 and up | 0.10% | $10 | No Minimum Amount To Open. No Low Balance Fee. Free Withdraws. Must have a minimum $100.00 balance in order to accumulate dividends. Rates are variable and may change after the account is opened. |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
Christmas Club
0.10%APY
Funds accumulated are transferred into membership savings account on November 1st. Fee-free withdrawals from October to January 1; $5 fee per withdrawal outside specified months.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upNo minimum amount to open. No low balance fee. Must have a minimum $100.00 balance in order to accumulate dividends. Fee-free withdrawals Oct. - Jan. Rates are variable and may change after the account is opened.$100 and up | 0.10% | $10 | No minimum amount to open. No low balance fee. Must have a minimum $100.00 balance in order to accumulate dividends. Fee-free withdrawals Oct. - Jan. Rates are variable and may change after the account is opened. |
Sources (2)
All captured Oct 15, 2026
Systematic Club
0.10%APY
Allows free withdrawals only in April (or one chosen month); $15.00 fee per early withdrawal outside the designated period.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upNo minimum amount to open. No low balance fee. Free withdrawals in April, otherwise $15.00 each. Must have a minimum $100.00 balance in order to accumulate dividends. Rates are variable and may change after the account is opened.$100 and up | 0.10% | $10 | No minimum amount to open. No low balance fee. Free withdrawals in April, otherwise $15.00 each. Must have a minimum $100.00 balance in order to accumulate dividends. Rates are variable and may change after the account is opened. |
Sources (2)
All captured Oct 15, 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.