Credit union · NCUA insured
High Desert Community Credit Union CD Rates
High Desert Community Credit Union’s best CD rate is 3.82% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How High Desert Community Credit Union’s CD rates compare
Compared with banks and credit unions near Farmington, NM, where High Desert Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
High Desert Community Credit Union
3.82%APY
- Term
- 12 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $382
Certificate of Deposit
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
Sunward Credit Union
4.11%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $839
High Desert Community Credit Union CD score
81
CD score
Higher than 56% of U.S. banks and credit unions
- 3–8 months3–8 mo3.51%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo3.61%
- 31–60 months31–60 mo3.51%
- QualifiedQualified3.82%
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 High Desert Community 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.
Certificate of Deposit
Up to 3.82%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.51% | $174 |
| 12 months | 3.82% | $382 |
| 18 months | 3.61% | $546 |
| 24 months | 3.61% | $735 |
| 36 months | 3.51% | $1,089 |
| 48 months | 3.40% | $1,432 |
| 60 months | 3.30% | $1,762 |
Sources (1)
- highdesertcu.org/rates · captured Sep 16, 2026
Special-purpose accounts
IRA CD
Up to 3.82%APY · 2 terms
IRA Accounts ($1,000 or more)
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months$1,000 or more | 3.82% | $382 |
| 24 months$1,000 or more | 3.61% | $735 |
Sources (1)
- highdesertcu.org/rates · captured Sep 16, 2026
Who can join High Desert Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members and employees of the Aztec Chamber of Commerce are eligible for membership.
- Employees of Kelly A. Eaves-Webb Farmers Insurance Agency are eligible for membership.
- Employees of HDCCU and their immediate family members are eligible for membership.
- Members of the Aztec Kiwanis Club are eligible for membership.
- Members of the Aztec Lions Club are eligible for membership.
- Members, volunteers, staff, and directors of the Aztec Museum (spelled 'Aztec Museaum' on website) are eligible for membership.
5 more ways to join
Employers and groups
- Employees, board volunteers, and members of the Southside Domestic Water Association are eligible for membership.
Military, government and schools
- Employees, retirees, and elected officials of the City of Aztec and City of Bloomfield are eligible for membership.
- Current employees, retirees, and elected officials of San Juan County are eligible for membership.
- Employees, retirees, and contracted employees of Aztec and Bloomfield Schools are eligible for membership.
Family and household
- Immediate family members of existing members are eligible for membership.
Membership information collected October 4, 2026.