Bank · FDIC insured
Main Bank CD Rates
Main Bank’s best CD rate is 4.00% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Main Bank’s CD rates compare
Compared with banks and credit unions near Albuquerque, NM, where Main Bank has the most branches. $10,000, best rate first.
This bank’s best
Main Bank
4.00%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $400
12-Month Certificate of Deposit
Top rate
Del Norte Credit Union
5.18%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $562
2nd-highest rate
Kirtland Credit Union
5.12%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $778
Main Bank CD score
82
CD score
Higher than 58% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.70%
- 31–60 months31–60 mo2.65%
- QualifiedQualified4.00%
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 Main Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
12-Month Certificate of Deposit
4.00%APY · 1 term
Penalty may be imposed for early withdrawal. Minimum daily balance required to obtain APY is $1,000.00. Fees could reduce earnings. Bank reserves the right to require at least 7 days' notice in writing before withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsBalances Over $1,000. Minimum daily balance required to obtain the APY is $1,000.00. Early withdrawal penalty may apply | 4.00% | $400 |
Sources (1)
- main.bank/time-deposits · captured Oct 22, 2026
18-Month Certificate of Deposit
3.70%APY · 1 term
Penalty may be imposed for early withdrawal. Minimum daily balance required to obtain APY is $1,000.00. Fees could reduce earnings. Bank reserves the right to require at least 7 days' notice in writing before withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsBalances Over $1,000. Minimum daily balance required to obtain the APY is $1,000.00. Early withdrawal penalty may apply | 3.70% | $560 |
Sources (1)
- main.bank/time-deposits · captured Oct 22, 2026
6-Month Certificate of Deposit
3.50%APY · 1 term
Penalty may be imposed for early withdrawal. Minimum daily balance required to obtain APY is $1,000.00. Fees could reduce earnings. Bank reserves the right to require at least 7 days' notice in writing before withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsBalances Over $1,000. Minimum daily balance required to obtain the APY is $1,000.00. Early withdrawal penalty may apply | 3.50% | $173 |
Sources (1)
- main.bank/time-deposits · captured Oct 22, 2026
3-Month Certificate of Deposit
3.40%APY · 1 term
Penalty may be imposed for early withdrawal. Minimum daily balance required to obtain APY is $1,000.00. Fees could reduce earnings. Bank reserves the right to require at least 7 days' notice in writing before withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsBalances Over $1,000. Minimum daily balance required to obtain the APY is $1,000.00. Early withdrawal penalty may apply | 3.40% | $84 |
Sources (1)
- main.bank/time-deposits · captured Oct 22, 2026
24-Month Certificate of Deposit
2.75%APY · 1 term
Penalty may be imposed for early withdrawal. Minimum daily balance required to obtain APY is $1,000.00. Fees could reduce earnings. Bank reserves the right to require at least 7 days' notice in writing before withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsBalances Over $1,000. Minimum daily balance required to obtain the APY is $1,000.00. Early withdrawal penalty may apply | 2.75% | $558 |
Sources (1)
- main.bank/time-deposits · captured Oct 22, 2026
36-Month Certificate of Deposit
2.65%APY · 1 term
Penalty may be imposed for early withdrawal. Minimum daily balance required to obtain APY is $1,000.00. Fees could reduce earnings. Bank reserves the right to require at least 7 days' notice in writing before withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsBalances Over $1,000. Minimum daily balance required to obtain the APY is $1,000.00. Early withdrawal penalty may apply | 2.65% | $816 |
Sources (1)
- main.bank/time-deposits · captured Oct 22, 2026
48-Month Certificate of Deposit
2.65%APY · 1 term
Penalty may be imposed for early withdrawal. Minimum daily balance required to obtain APY is $1,000.00. Fees could reduce earnings. Bank reserves the right to require at least 7 days' notice in writing before withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 monthsBalances Over $1,000. Minimum daily balance required to obtain the APY is $1,000.00. Early withdrawal penalty may apply | 2.65% | $1,103 |
Sources (1)
- main.bank/time-deposits · captured Oct 22, 2026
60-Month Certificate of Deposit
2.65%APY · 1 term
Penalty may be imposed for early withdrawal. Minimum daily balance required to obtain APY is $1,000.00. Fees could reduce earnings. Bank reserves the right to require at least 7 days' notice in writing before withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsBalances Over $1,000. Minimum daily balance required to obtain the APY is $1,000.00. Early withdrawal penalty may apply | 2.65% | $1,397 |
Sources (1)
- main.bank/time-deposits · captured Oct 22, 2026
30-Month Certificate of Deposit
2.35%APY · 1 term
Penalty may be imposed for early withdrawal. Minimum daily balance required to obtain APY is $1,000.00. Fees could reduce earnings. Bank reserves the right to require at least 7 days' notice in writing before withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 monthsBalances Over $1,000. Minimum daily balance required to obtain the APY is $1,000.00. Early withdrawal penalty may apply | 2.35% | $598 |
Sources (1)
- main.bank/time-deposits · captured Oct 22, 2026
Special-purpose accounts
12-Month IRA Certificate of Deposit
4.00%APY · 1 term
Penalty may be imposed for early withdrawal. Minimum daily balance required to obtain APY is $1,000.00 for IRA Accounts. Fees could reduce earnings. Bank reserves the right to require at least 7 days' notice in writing before withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsBalances Over $1,000. Minimum daily balance required to obtain the APY is $1,000.00 for IRA Accounts. Early withdrawal penalty may apply | 4.00% | $400 |
Sources (1)
- main.bank/time-deposits · captured Oct 22, 2026
24-Month IRA Certificate of Deposit
2.75%APY · 1 term
Penalty may be imposed for early withdrawal. Minimum daily balance required to obtain APY is $1,000.00 for IRA Accounts. Fees could reduce earnings. Bank reserves the right to require at least 7 days' notice in writing before withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsBalances Over 1,000. Minimum daily balance required to obtain the APY is $1,000.00 for IRA Accounts. Early withdrawal penalty may apply | 2.75% | $558 |
Sources (1)
- main.bank/time-deposits · captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.