Credit union · NCUA insured
Rio Grande Credit Union CD Rates
Rio Grande Credit Union’s best CD rate is 4.65% APY on a 25-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Rio Grande Credit Union’s CD rates compare
Compared with banks and credit unions near Albuquerque, NM, where Rio Grande Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Rio Grande Credit Union
4.65%APY
- Term
- 25 months
- Minimum
- $500
- Earns on $10,000
- $993
Share Certificates
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
Rio Grande Credit Union CD score
97
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.33%
- 9–15 months9–15 mo4.44%
- 16–30 months16–30 mo4.65%
- 31–60 months31–60 mo3.40%
- QualifiedQualified4.65%
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 Rio Grande 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 Certificates
Up to 4.65%APY · 11 terms
Rio Grande Credit Union membership is required. Assumes principal and interest remain on deposit for the term of the Certificate. Substantial penalties may be imposed for early withdrawal and could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsSubstantial penalties may be imposed for early withdrawal and could reduce earnings | 3.30% | $81 |
| 6 monthsSubstantial penalties may be imposed for early withdrawal and could reduce earnings | 3.40% | $169 |
| 7 monthsSubstantial penalties may be imposed for early withdrawal and could reduce earnings | 4.33% | $250 |
| 12 monthsSubstantial penalties may be imposed for early withdrawal and could reduce earnings | 3.45% | $345 |
| 13 monthsSubstantial penalties may be imposed for early withdrawal and could reduce earnings | 4.44% | $482 |
| 18 monthsSubstantial penalties may be imposed for early withdrawal and could reduce earnings | 4.54% | $689 |
| 24 monthsSubstantial penalties may be imposed for early withdrawal and could reduce earnings | 3.51% | $714 |
| 25 monthsSubstantial penalties may be imposed for early withdrawal and could reduce earnings | 4.65% | $993 |
| 36 monthsSubstantial penalties may be imposed for early withdrawal and could reduce earnings | 3.40% | $1,055 |
| 48 monthsSubstantial penalties may be imposed for early withdrawal and could reduce earnings | 3.35% | $1,409 |
| 60 monthsSubstantial penalties may be imposed for early withdrawal and could reduce earnings | 3.35% | $1,791 |
Sources (1)
- riograndecu.org/certificates · captured Oct 22, 2026
Special-purpose accounts
IRA Share Certificates
Up to 4.65%APY · 11 terms
Rio Grande CU Membership is required for all accounts. Available for Traditional and Roth IRAs. APY assumes principal and interest remain on deposit for the term of the Certificate. Substantial penalties may be imposed for early withdrawal and could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsSubstantial penalties may be imposed for early withdrawal and could reduce earnings | 3.30% | $81 |
| 6 monthsSubstantial penalties may be imposed for early withdrawal and could reduce earnings | 3.40% | $169 |
| 7 monthsSubstantial penalties may be imposed for early withdrawal and could reduce earnings | 4.33% | $250 |
| 12 monthsSubstantial penalties may be imposed for early withdrawal and could reduce earnings | 3.45% | $345 |
| 13 monthsSubstantial penalties may be imposed for early withdrawal and could reduce earnings | 4.44% | $482 |
| 18 monthsSubstantial penalties may be imposed for early withdrawal and could reduce earnings | 4.54% | $689 |
| 24 monthsSubstantial penalties may be imposed for early withdrawal and could reduce earnings | 3.51% | $714 |
| 25 monthsSubstantial penalties may be imposed for early withdrawal and could reduce earnings | 4.65% | $993 |
| 36 monthsSubstantial penalties may be imposed for early withdrawal and could reduce earnings | 3.40% | $1,055 |
| 48 monthsSubstantial penalties may be imposed for early withdrawal and could reduce earnings | 3.35% | $1,409 |
| 60 monthsSubstantial penalties may be imposed for early withdrawal and could reduce earnings | 3.35% | $1,791 |
Sources (1)
- riograndecu.org/ira · captured Oct 22, 2026
Who can join Rio Grande Credit Union
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