Best CD rates in Santa Fe, NM

Requirements

Product: Penalty may be imposed for early withdrawal. Fees may reduce earnings. Dividends compounded daily and paid monthly.

Offer: 13 month Special

Requirements

Offer: SPECIAL RATE

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.

Requirements

Product: Early surrender penalties apply.

Offer: 27 Month CD SPECIAL.

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.

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.

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.

Requirements

Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.

Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.

Requirements

Product: Sandia Area Federal Credit Union membership required. Dividends are compounded and credited monthly. Assumes principal and interest remain on deposit for the term selected. Early withdrawal of up to 50% without penalty is permitted once per term for certificates opened on or after 10/23/2023.

Requirements

Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Requirements

Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.

Offer: Earn up to 4.00% APY on a 5-month CD.

Requirements

Product: Dividends compound monthly. Penalty for early withdrawal of principal. Must maintain minimum daily balance to earn disclosed APY. 36-Month Bump certificate allows a one-time rate increase if rates rise during the term and additional deposit at that time.

Requirements

Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.

Requirements

Product: Requires opening or maintaining an existing Century Bank checking account ($25 opening deposit for Century Checking, $5/mo for paper statements or no charge for eStatements). Promotional rates cannot be combined with other offers. Early withdrawal penalty applies. Daily balance of $1,000 required to obtain stated APY ($5,000 for 3 Month CD). At maturity, 7-month CD renews into 182-day CD, 11-month CD renews into 12-month CD, and 3-month CD renews into 90 Day Classic CD. No public funds. Personal CDs have no maximum deposit; business CDs limited to $200,000.

Offer: Must open or own an existing Century Bank personal checking account. Daily balance of $1,000 required to obtain stated APY. Interest credited at maturity and not compounded. Renews into 12-month CD at maturity. Rates effective as of 9/24/2026.

Requirements

Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.

Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.