Bank · FDIC insured
The Bank of Clovis CD Rates
The Bank of Clovis’s best CD rate is 3.66% APY on a 5-year CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How The Bank of Clovis’s CD rates compare
Compared with banks and credit unions near Clovis, NM, where The Bank of Clovis has the most branches. $10,000, best rate first.
This bank’s best
The Bank of Clovis
3.66%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $1,969
Certificates of Deposit
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
UMB Bank
4.25%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $534
The Bank of Clovis CD score
77
CD score
Higher than 44% of U.S. banks and credit unions
- 3–8 months3–8 mo3.14%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.35%
- 31–60 months31–60 mo3.66%
- QualifiedQualified3.66%
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 The Bank of Clovis 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.
5-year CD Ladder
Up to 3.66%APY · 5 terms
Total minimum to open CD Ladder is $25,000 evenly distributed across 5 CDs. Each CD automatically renews as a 5-year CD at 0.25% above current Bank of Clovis 5-year CD rate at maturity. Blended first year APY of 3.48%. Early withdrawal penalty of 6 months interest on balance withdrawn with 10-day grace period upon maturity. Daily balance method applies daily periodic rate to principal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsInitial term 12 months; renews for 60 months from initial maturity at 0.25% above regularly offered 60 month rate at maturity. Early withdrawal penalty of 6 months interest penalty on balance withdrawn | 3.25% | $325 |
| 24 monthsInitial term 24 months; renews for 60 months from initial maturity at 0.25% above regularly offered 60 month rate at maturity. Early withdrawal penalty of 6 months interest penalty on balance withdrawn | 3.35% | $681 |
| 36 monthsInitial term 36 months; renews for 60 months from initial maturity at 0.25% above regularly offered 60 month rate at maturity. Early withdrawal penalty of 6 months interest penalty on balance withdrawn | 3.56% | $1,106 |
| 48 monthsInitial term 48 months; renews for 60 months from initial maturity at 0.25% above regularly offered 60 month rate at maturity. Early withdrawal penalty of 6 months interest penalty on balance withdrawn | 3.61% | $1,524 |
| 60 monthsInitial term 60 months; renews for 60 months from initial maturity at 0.25% above regularly offered 60 month rate at maturity. Early withdrawal penalty of 6 months interest penalty on balance withdrawn | 3.66% | $1,969 |
Sources (1)
- bankofclovis.bank/personal/cds-iras · captured Oct 22, 2026
Certificates of Deposit
Up to 3.66%APY · 5 terms
Minimum daily balance must be maintained in order to obtain the disclosed annual percentage yield. Additional terms and conditions may apply. Fees may reduce earnings. Daily balance method applies daily periodic rate to principal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty of 1 month interest on amount withdrawn | 3.14% | $156 |
| 12 monthsEarly withdrawal penalty of 3 months interest on amount withdrawn | 3.25% | $325 |
| 24 monthsEarly withdrawal penalty of 3 months interest on amount withdrawn | 3.35% | $681 |
| 36 monthsEarly withdrawal penalty of 3 months interest on amount withdrawn | 3.56% | $1,106 |
| 60 monthsEarly withdrawal penalty of 6 months interest on amount withdrawn | 3.66% | $1,969 |
Sources (1)
- bankofclovis.bank/personal/cds-iras · captured Oct 22, 2026
Special-purpose accounts
Individual Retirement Accounts
Up to 3.76%APY · 5 terms
Minimum daily balance must be maintained in order to obtain the disclosed annual percentage yield. Additional terms and conditions may apply. Fees may reduce earnings. Daily balance method applies daily periodic rate to principal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty of 1 month interest on amount withdrawn | 3.25% | $161 |
| 12 monthsEarly withdrawal penalty of 3 months interest on amount withdrawn | 3.35% | $335 |
| 24 monthsEarly withdrawal penalty of 3 months interest on amount withdrawn | 3.56% | $725 |
| 36 monthsEarly withdrawal penalty of 3 months interest on amount withdrawn | 3.66% | $1,139 |
| 60 monthsEarly withdrawal penalty of 6 months interest on amount withdrawn | 3.76% | $2,027 |
Sources (1)
- bankofclovis.bank/personal/cds-iras · 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.