Credit union · NCUA insured
Jemez Valley CU Savings Rates
Jemez Valley CU’s best savings rate is 0.30% APY on $10,000, with its Money Market/Golden Share Account. Rates checked October 22, 2026.
How Jemez Valley CU’s savings rates compare
Compared with banks and credit unions near Albuquerque, NM, where Jemez Valley CU has the most branches. $10,000, best rate first.
This credit union’s best
Jemez Valley CU
0.30%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $30
Money Market/Golden Share Account
Top rate
Citizens Bank of Las Cruces
5.12%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $512
2nd-highest rate
America First Credit Union
3.95%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $395
Jemez Valley CU savings score
75
Savings score
Higher than 38% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.30%
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 Jemez Valley CU 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/Golden Share Account
0.30%APY
Minimum balance of $500.00. No monthly maintenance fees on balances above $500.00. 3 free withdrawals per month (additional withdrawals assess a fee).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $10,000Calculations based on quarterly compounding and $500.00 balance. | 0.30% | $30 | Calculations based on quarterly compounding and $500.00 balance. |
| $10,000 – $50,000Calculations based on quarterly compounding and $500.00 balance. | 0.70% | — | Calculations based on quarterly compounding and $500.00 balance. |
| Over $50,000Calculations based on quarterly compounding and $500.00 balance. | 1.00% | — | Calculations based on quarterly compounding and $500.00 balance. |
Share Savings
0.10%APY
Establishes membership with JVCU. Earn dividends on balances of $1000.01 or more, paid quarterly. 6 free online withdrawals per month, unlimited in-branch withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,000Calculations based on quarterly compounding. | 0.00% | — | Calculations based on quarterly compounding. |
| Over $1,000Calculations based on quarterly compounding. | 0.10% | $10 | Calculations based on quarterly compounding. |
Sources (1)
- jvcu.org/accounts/savings- · captured Sep 16, 2026
Special-purpose accounts
Christmas Club
0.10%APY
Allows setup of payroll deduction or monthly transfer. Can be opened any time of the year. Fees apply for early withdrawal. Funds saved roll over to checking account on November 1st of each year. Automatic deposit options available at member's request.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,000Calculations based on quarterly compounding. | 0.00% | — | Calculations based on quarterly compounding. |
| Over $1,000Calculations based on quarterly compounding. | 0.10% | $10 | Calculations based on quarterly compounding. |
Payday Alternative Savings
0.10%APY
Allows setup of payroll deduction into the account. Can be opened anytime of year. Fees apply to early withdrawal. Funds saved become available at a pre-determined date. Automatic deposit options available at member's request.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,000Calculations based on quarterly compounding. | 0.00% | — | Calculations based on quarterly compounding. |
| Over $1,000Calculations based on quarterly compounding. | 0.10% | $10 | Calculations based on quarterly compounding. |
Vacation Club
0.10%APY
Allows setup of payroll deduction or monthly transfer. Can be opened any time of the year. Fees apply for early withdrawals. Funds saved can be withdrawn twice a year with no penalty. Automatic deposit options available at member's request.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,000Calculations based on quarterly compounding. | 0.00% | — | Calculations based on quarterly compounding. |
| Over $1,000Calculations based on quarterly compounding. | 0.10% | $10 | Calculations based on quarterly compounding. |
Who can join Jemez Valley CU
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 anyone who lives in the Jemez Valley.
- Membership is open to anyone who owns property in the Jemez Valley.
- Membership is open to anyone who works in the Jemez Valley.
- Membership is open to anyone who lives in the Rio Rancho school district.
- Membership is open to anyone who owns property in the Rio Rancho school district.
- Membership is open to anyone who works in the Rio Rancho school district.
1 more way to join
Family and household
- Membership is open to anyone who has a relative who is a member.
Cost to join
- Members must maintain a $25.00 par share deposit in their Regular Share Account at all times.
Membership information collected October 4, 2026.