Credit union · NCUA insured
Rio Grande Credit Union Savings Rates
Rio Grande Credit Union’s best savings rate is 0.15% APY on $10,000, with its Primary Savings. Rates checked October 22, 2026.
How Rio Grande Credit Union’s savings 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
0.15%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $15
Primary Savings
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
Rio Grande Credit Union savings score
67
Savings score
Higher than 18% of U.S. banks and credit unions
By balance
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.15%
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 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.
Primary Savings
0.15%APY
Requires an average daily balance of $5. No monthly service fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Balance refers to Daily Average Balance. All rates and APY are subject to change without notice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. | 0.10% | — | Balance refers to Daily Average Balance. All rates and APY are subject to change without notice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. |
| $1,000 and upBalance refers to Daily Average Balance. All rates and APY are subject to change without notice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. | 0.15% | $15 | Balance refers to Daily Average Balance. All rates and APY are subject to change without notice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. |
Sources (1)
- riograndecu.org/traditional-savings · captured Oct 15, 2026
Secondary Savings
0.15%APY
No minimum daily balance requirement No monthly service fees Dividends accrue on any balance Insured by NCUA
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000APY is an abbreviation of Annual Percentage Yield. Balance refers to Daily Average Balance. All rates and APY are subject to change without notice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. | 0.10% | — | APY is an abbreviation of Annual Percentage Yield. Balance refers to Daily Average Balance. All rates and APY are subject to change without notice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. |
| $1,000 and upAPY is an abbreviation of Annual Percentage Yield. Balance refers to Daily Average Balance. All rates and APY are subject to change without notice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. | 0.15% | $15 | APY is an abbreviation of Annual Percentage Yield. Balance refers to Daily Average Balance. All rates and APY are subject to change without notice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. |
Sources (1)
- riograndecu.org/traditional-savings · captured Oct 15, 2026
Special-purpose accounts
CU Succeed Savings
0.50%APY
Designed specifically for teens ages 13-17.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25Account requires $5.00 minimum opening balance. Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. | 0.00% | — | Account requires $5.00 minimum opening balance. Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. |
| Up to $500Account requires $5.00 minimum opening balance. Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. | 3.04% | — | Account requires $5.00 minimum opening balance. Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. |
| $500 and upAccount requires $5.00 minimum opening balance. Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. | 0.50% | $50 | Account requires $5.00 minimum opening balance. Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. |
Sources (1)
- riograndecu.org/Teen · captured Oct 15, 2026
Youth Savings Account
0.50%APY
Exclusively for kids ages 0-12 (under 13). Must have a joint owner (parent or legal guardian) on the account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25Balance refers to Daily Average Balance. Unless paid otherwise, dividends are compounded monthly. | 0.00% | — | Balance refers to Daily Average Balance. Unless paid otherwise, dividends are compounded monthly. |
| Up to $500Balance refers to Daily Average Balance. Unless paid otherwise, dividends are compounded monthly. | 3.04% | — | Balance refers to Daily Average Balance. Unless paid otherwise, dividends are compounded monthly. |
| $500 and upBalance refers to Daily Average Balance. Unless paid otherwise, dividends are compounded monthly. | 0.50% | $50 | Balance refers to Daily Average Balance. Unless paid otherwise, dividends are compounded monthly. |
Sources (1)
- riograndecu.org/kirby · captured Oct 3, 2026
Investors Club Account
1.51%APY
Tiered dividend rates based on Daily Average Balance. Unless paid otherwise, all dividends are compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $10,000Minimum balance to earn dividends is $1,000.00 - $9,999.99. Balance refers to Daily Average Balance. Dividends compounded monthly. | 0.25% | — | Minimum balance to earn dividends is $1,000.00 - $9,999.99. Balance refers to Daily Average Balance. Dividends compounded monthly. |
| $10,000 – $25,000Minimum balance to earn dividends is $10,000.00 - $24,999.99. Balance refers to Daily Average Balance. Dividends compounded monthly. | 1.51% | $151 | Minimum balance to earn dividends is $10,000.00 - $24,999.99. Balance refers to Daily Average Balance. Dividends compounded monthly. |
| $25,000 – $50,000Minimum balance to earn dividends is $25,000.00 - $49,999.99. Balance refers to Daily Average Balance. Dividends compounded monthly. | 1.51% | — | Minimum balance to earn dividends is $25,000.00 - $49,999.99. Balance refers to Daily Average Balance. Dividends compounded monthly. |
| $50,000 and upMinimum balance to earn dividends is $50,000.00 & More. Balance refers to Daily Average Balance. Dividends compounded monthly. | 1.53% | — | Minimum balance to earn dividends is $50,000.00 & More. Balance refers to Daily Average Balance. Dividends compounded monthly. |
Sources (1)
- riograndecu.org/money-market · captured Oct 3, 2026
Christmas Club
1.00%APY
Set up automatic periodic deposits from your Rio Grande Checking account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upAPY is an abbreviation of Annual Percentage Yield. Balance refers to Daily Average Balance. All rates and APY are subject to change without notice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly.$25 and up | 1.00% | $100 | APY is an abbreviation of Annual Percentage Yield. Balance refers to Daily Average Balance. All rates and APY are subject to change without notice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. |
Sources (1)
- riograndecu.org/traditional-savings · captured Oct 15, 2026
Rainy Day Club
1.00%APY
Automatic transfers from your Rio Grande Credit Union Checking Account and payroll deductions.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upAPY is an abbreviation of Annual Percentage Yield. Balance refers to Daily Average Balance. All rates and APY are subject to change without notice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly.$25 and up | 1.00% | $100 | APY is an abbreviation of Annual Percentage Yield. Balance refers to Daily Average Balance. All rates and APY are subject to change without notice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. |
Sources (1)
- riograndecu.org/traditional-savings · captured Oct 15, 2026
Vacation Club
1.00%APY
Set up automatic deposits from Rio Grande Checking Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upAPY is an abbreviation of Annual Percentage Yield. Balance refers to Daily Average Balance. All rates and APY are subject to change without notice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly.$25 and up | 1.00% | $100 | APY is an abbreviation of Annual Percentage Yield. Balance refers to Daily Average Balance. All rates and APY are subject to change without notice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. |
Sources (1)
- riograndecu.org/traditional-savings · captured Oct 15, 2026
Roth IRA Savings
0.60%APY
Rio Grande CU Membership is required for all accounts. No annual IRA maintenance fee. Earnings tax-free if open 5+ years and withdrawn after age 59 1/2.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upBalance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly.$25 and up | 0.60% | $60 | Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. |
Sources (1)
- riograndecu.org/ira · captured Oct 15, 2026
Traditional IRA Savings
0.60%APY
Rio Grande CU Membership is required for all accounts. No annual IRA maintenance fee. Earnings are tax-deferred; withdrawals taxed as regular income upon retirement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upBalance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly.$25 and up | 0.60% | $60 | Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. |
Sources (1)
- riograndecu.org/ira · captured Oct 15, 2026
Prosperity Kids Savings
0.50%APY
Designed for families participating in Prosperity Works' financial literacy program. Includes matched savings up to $200 per year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upAccount requires $5.00 minimum opening balance. Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly.$25 and up | 0.50% | $50 | Account requires $5.00 minimum opening balance. Balance refers to Daily Average Balance. APY is an abbreviation of Annual Percentage Yield. All rates and APY are subject to change without notifice. Certain restrictions apply. Unless paid otherwise, all dividends are compounded monthly. |
Sources (1)
- riograndecu.org/prosperity-kids · captured Oct 15, 2026
Who can join Rio Grande Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.