Credit union · NCUA insured
Otero Federal Credit Union CD Rates
Top CarrotOtero Federal Credit Union’s best CD rate is 3.70% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Otero Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Alamogordo, NM, where Otero Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Otero Federal Credit Union
3.70%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,992
Share 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
Otero Federal Credit Union CD score
80
CD score
Higher than 52% of U.S. banks and credit unions
- 3–8 months3–8 mo3.40%
- 9–15 months9–15 mo3.45%
- 16–30 months16–30 mo3.55%
- 31–60 months31–60 mo3.70%
- QualifiedQualified3.70%
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 Otero Federal 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.
Share Certificate
Up to 3.70%APY · 7 terms
Membership eligibility requirements apply. Early withdrawal penalties apply. Fees could reduce earnings. APY is earned if dividends remain in the account for one year.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.40% | $169 |
| 12 months | 3.45% | $345 |
| 18 months | 3.50% | $530 |
| 24 months | 3.55% | $723 |
| 36 months | 3.60% | $1,119 |
| 48 months | 3.65% | $1,542 |
| 60 months | 3.70% | $1,992 |
Sources (1)
- oterofcu.org/accounts/iras · captured Sep 16, 2026
Special-purpose accounts
IRA Certificate
Up to 3.70%APY · 7 terms
Traditional and Roth IRAs available. No set up fees, no annual fees. Membership eligibility requirements apply. Early withdrawal penalties apply. Fees could reduce earnings. APY is earned if dividends remain in the account for one year.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.40% | $169 |
| 12 months | 3.45% | $345 |
| 18 months | 3.50% | $530 |
| 24 months | 3.55% | $723 |
| 36 months | 3.60% | $1,119 |
| 48 months | 3.65% | $1,542 |
| 60 months | 3.70% | $1,992 |
Sources (1)
- oterofcu.org/accounts/iras · captured Sep 16, 2026
Who can join Otero Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in the counties of Chaves, Eddy, Lincoln, and Otero, New Mexico are eligible for membership.
Employers and groups
- Employees of this credit union are eligible for membership.
- Volunteers within the community are eligible for membership.
Family and household
- Members of the immediate families of eligible persons are eligible for membership.
Other ways
- Organizations of persons within the field of membership are eligible for membership.
- Spouses of persons who died while within the field of membership of this credit union are eligible to join.
Membership information collected October 4, 2026.