Compare Bank & Credit Union Rates
Best CD rates in New Mexico
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in New Mexico
- Del Norte Credit UnionCertificatesCD · 13 months · $1,000 min · 5.13%–5.23% by balance
Credit union · 9 branches
5.18%APY$562 over 13 months on $10,000intro rateRequirements
Product: Penalty may be imposed for early withdrawal. Fees may reduce earnings. Dividends compounded daily and paid monthly.
Offer: 13 month Special
Promotional rate · 5.00% interest rate · Compounded daily · Effective Oct 3, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and up 5.13% $10,000 and upYour amount 5.18% $100,000 and up 5.23% Rate checked
More details - 5.12%APY$778 over 18 months on $10,000
Requirements
Product: Membership eligibility required. Must open and maintain at least one share (savings) account with a minimum balance before any other account may be opened. Dividends compound monthly unless otherwise paid. Paid and accrued dividends may be withdrawn at any time during certificate term without penalty; premature withdrawal incurs penalty. 10 calendar days renewal grace period.
Offer: Limited-time offer. See kirtlandcu.org/18 and kirtlandcu.org/30 for complete details.
5.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - Northern New Mexico School Employees Federal Credit UnionShare CertificateCD · 24 months · $500 min
Credit union · 1 branch
5.12%APY$1,050 over 24 months on $10,000intro rateRequirements
Offer: SPECIAL RATE
Promotional rate · 5.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - 5.00%APY$247 over 6 months on $10,000with conditions
Requirements
Product: Quarterly dividends. Dividend transfer available on 24-60 month terms. Rising Rate Option available on 48 and 60 month terms allowing dividend rate and APY to change once during original term to current rate for same term. Bonus rate condition adds +0.10% each for active checking account, full direct deposit, active SECU credit card, active consumer loan, and current mortgage (+0.50% max).
Offer: Bonus Rate APY requires relationship bonus conditions (active checking +0.10%, full direct deposit +0.10%, active SECU credit card +0.10%, active consumer loan +0.10%, current mortgage +0.10%). Early withdrawal penalty: 90 days interest.
Qualified rate
Rate checked
More details - 4.65%APY$993 over 25 months on $10,000
Requirements
Product: 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.
Offer: Substantial penalties may be imposed for early withdrawal and could reduce earnings.
4.55% interest rate · Effective Oct 22, 2026
Rate checked
More details - America First Credit UnionLadder Certificate AccountsCD · 60 months · $500 min
Credit union · 1 branch
4.60%APY$2,522 over 60 months on $10,000Requirements
Product: Laddering certificate accounts across terms. Matured accounts renew to longest ladder term.
Offer: Early-withdrawal penalties may apply. Dividends credited monthly.
4.51% interest rate · Effective Oct 21, 2026
Rate checked
More details - America First Credit UnionBump-Rate Certificate AccountsCD · 60 months · $500 min
Credit union · 1 branch
4.45%APY$2,432 over 60 months on $10,000Requirements
Product: Allows adjusting/increasing the interest rate one time during the certificate term.
Offer: Increase rate one time during term. Early-withdrawal penalties may apply. Dividends credited monthly.
4.36% interest rate · Effective Oct 21, 2026
Rate checked
More details - 4.44%APY$444 over 1 year on $10,000
Requirements
Product: Credit Builder certificate accounts offer the option of requesting a loan in which the proceeds of the loan are deposited to this certificate account. This product allows unlimited deposits of any amount. The funds remain on deposit while payments are made to the loan. Timely payments to the loan may be used to help build your credit score. At maturity, the certificate account will automatically renew to a fixed-rate 12-month certificate account. Dividends may only be withdrawn during the grace period prior to renewal. Withdrawals are not allowed until maturity. Membership eligibility is required; $10 share account deposit required. All loans subject to approval.
Offer: Monthly Crediting. 12-month Credit Builder. Average daily balance requirement of $500.
4.35% interest rate · Effective Oct 14, 2026
Rate checked
More details - GECUPersonal Certificate Accounts (Fixed rate)CD · 12 months · $50 min · 4.44%–4.54% by balance
Credit union · 2 branches
4.44%APY$444 over 1 year on $10,000Requirements
Product: Membership eligibility is required. Must have a GECU share account ($10 deposit) to open a certificate account. Dividends are accurate as of October 14, 2026. Early-withdrawal penalties apply.
Offer: Monthly Crediting. Average daily balance requirement of $50.
4.35% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Personal Certificate Accounts (Fixed rate) Balance APY $50 and upYour amount 4.44% $50,000 and up12-month Jumbo. 4.54% Rate checked
More details - 4.34%APY$1,003 over 27 months on $10,000intro rate
Requirements
Product: Early surrender penalties apply.
Offer: 27 Month CD SPECIAL.
Promotional rate · 4.25% interest rate · Effective Oct 22, 2026
Rate checked
More details - 4.32%APY$432 over 1 year on $10,000
Requirements
Product: Dividends are compounded daily and applied quarterly. $5,000.00 minimum deposit. Early withdrawal penalty: 90 days. Certificates which are automatically renewed will receive the rate in effect on the renewal date. Fees could reduce earnings.
Offer: Early withdrawal penalty: 90 days.
4.25% interest rate · Compounded daily · Effective Apr 1, 2025
Rate checked
More details - 4.29%APY$876 over 24 months on $10,000
Requirements
Product: Fixed rates. Minimum deposit $1,000. Early withdrawal penalty applies. ZAP loyalty rewards can increase certificate rates by up to 0.50% APY (0.10% per qualifying product/service).
Offer: 24 Months term. Balance $1,000 & Greater tier.
4.20% interest rate · Effective Sep 1, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 12 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.25%APY$498 over 14 months on $10,000intro rate
Requirements
Product: No monthly fee. Early withdrawal penalties may apply. Pair with Premier Checking to receive a 0.10% interest rate bonus upon request.
Offer: 14 Month Promo; $1,000 opening deposit required / $1,000,000 max.
Promotional rate · 4.19% interest rate · Balance cap $1,000,000 · Effective Oct 1, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in New Mexico
634 CDs at 63 banks and credit unions · checked Oct 15–22
- Typical
- 3.04%
- Top 10% from
- 4.00%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.40%
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New Mexico
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- Sandia Area Federal Credit UnionCredit union · 7 branches
- State Employees Credit UnionCredit union · 8 branches