Credit union · NCUA insured
LOCO Credit Union CD Rates
LOCO Credit Union’s best CD rate is 2.63% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How LOCO Credit Union’s CD rates compare
Compared with banks and credit unions near Alamogordo, NM, where LOCO Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
LOCO Credit Union
2.63%APY
- Term
- 12 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $263
Jumbo Certificate
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
WaFd Bank
4.10%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $445
LOCO Credit Union CD score
64
CD score
Higher than 11% of U.S. banks and credit unions
- 3–8 months3–8 mo2.38%
- 9–15 months9–15 mo2.63%
- 16–30 months16–30 mo2.37%
- 31–60 months31–60 mo2.12%
- QualifiedQualified2.63%
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 LOCO 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.
Jumbo Certificate
Up to 2.63%APY · 7 terms
90 Day penalty for early withdrawal. Interest rates are subject to change without notice based on current market factors.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months90 Day penalty for early withdrawal | 2.38% | $118 |
| 12 months90 Day penalty for early withdrawal | 2.63% | $263 |
| 18 months90 Day penalty for early withdrawal | 2.37% | $358 |
| 24 months90 Day penalty for early withdrawal | 2.37% | $480 |
| 36 months90 Day penalty for early withdrawal | 2.12% | $650 |
| 48 months90 Day penalty for early withdrawal | 2.12% | $875 |
| 60 months90 Day penalty for early withdrawal | 2.12% | $1,106 |
Sources (1)
- lococreditunion.com/rates · captured Sep 24, 2026
Certificate of Deposit
Up to 2.52%APY · 7 terms
90 Day penalty for early withdrawal. Interest rates are subject to change without notice based on current market factors.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months90 Day penalty for early withdrawal | 2.27% | $113 |
| 12 months90 Day penalty for early withdrawal | 2.52% | $252 |
| 18 months90 Day penalty for early withdrawal | 2.27% | $342 |
| 24 months90 Day penalty for early withdrawal | 2.27% | $459 |
| 36 months90 Day penalty for early withdrawal | 2.02% | $618 |
| 48 months90 Day penalty for early withdrawal | 2.02% | $833 |
| 60 months90 Day penalty for early withdrawal | 2.02% | $1,052 |
Sources (1)
- lococreditunion.com/rates · captured Sep 24, 2026
Special-purpose accounts
IRA - Traditional & Roth
Up to 2.52%APY · 7 terms
90 day penalty for early withdrawal. Interest rates are subject to change without notice based on current market factors. IRA Maintenance Fee is $25.00 per year.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months90 day penalty for early withdrawal. IRA Maintenance Fee is $25.00 per year | 2.27% | $113 |
| 12 months90 day penalty for early withdrawal. IRA Maintenance Fee is $25.00 per year | 2.52% | $252 |
| 18 months90 day penalty for early withdrawal. IRA Maintenance Fee is $25.00 per year | 2.27% | $342 |
| 24 months90 day penalty for early withdrawal. IRA Maintenance Fee is $25.00 per year | 2.27% | $459 |
| 36 months90 day penalty for early withdrawal. IRA Maintenance Fee is $25.00 per year | 2.02% | $618 |
| 48 months90 day penalty for early withdrawal. IRA Maintenance Fee is $25.00 per year | 2.02% | $833 |
| 60 months90 day penalty for early withdrawal. IRA Maintenance Fee is $25.00 per year | 2.02% | $1,052 |
Sources (2)
All captured Sep 24, 2026
Who can join LOCO 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 open to residents of Otero County.
Employers and groups
- Membership is open to employees of LOCO Credit Union.
Military, government and schools
- Membership is open to active Board of Regents, School Board members, and School employees in Lincoln, Catron, Socorro, Torrance, Guadalupe, DeBaca, Hidalgo, Union, and Harding Counties.
- Membership is open to Loving School Employees in the State of New Mexico.
Family and household
- Membership is open to immediate family members (defined as any relative by blood or marriage, or foster and adopted children) of qualifying individuals.
Membership information collected October 4, 2026.