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 61–75 results in New Mexico
- 3.30%APY$330 over 1 year on $10,000
Requirements
Product: All share certificate rates and APYs are stated as annual rates and are paid monthly or compounded monthly and paid at maturity. Penalty for early withdrawal.
Offer: Paid monthly or compounded monthly and paid at maturity.
3.25% interest rate · Compounded monthly · Effective Oct 6, 2026
Rate checked
More details - First Financial Credit UnionTerm Share Certificates (TSC)CD · 12 months · $1,000 min
Credit union · 19 branches
3.30%APY$330 over 1 year on $10,000Requirements
Product: Available from 3 months to 5 years. No setup or maintenance fees. Substantial penalty for early withdrawal of principal.
Offer: Substantial penalty for early withdrawal of principal.
3.25% interest rate · Effective Jun 8, 2026
Rate checked
More details - One Source Federal Credit UnionBump-it-Up Share CertificateCD · 24 months · $2,000 min
Credit union · 1 branch
3.30%APY$671 over 24 months on $10,0003.25% interest rate · Effective Oct 6, 2026
Rate checked
More details - 3.29%APY$82 over 3.033333333333333 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Monthly service charge: $0.
Offer: A penalty may be imposed for early withdrawal.
3.25% interest rate · Effective Sep 1, 2026
Rate checked
More details - Los Alamos Schools Credit Union24 Month Certificate of DepositCD · 24 months · $500 min
Credit union · 1 branch
3.29%APY$669 over 24 months on $10,0003.25% interest rate · Effective Sep 16, 2026
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More details - 3.29%APY$843 over 30 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. The interest rate and annual percentage yield may change after account opening.
Offer: Early withdrawal penalty may apply. Interest rate and APY may change after account opening.
3.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - Los Alamos Schools Credit Union36 Month Certificate of DepositCD · 36 months · $500 min
Credit union · 1 branch
3.29%APY$1,020 over 36 months on $10,0003.25% interest rate · Effective Sep 16, 2026
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More details - Los Alamos Schools Credit Union48 Month Certificate of DepositCD · 48 months · $500 min
Credit union · 1 branch
3.29%APY$1,382 over 48 months on $10,0003.25% interest rate · Effective Sep 16, 2026
Rate checked
More details - Los Alamos Schools Credit Union60 Month Certificate of DepositCD · 60 months · $500 min
Credit union · 1 branch
3.29%APY$1,757 over 60 months on $10,0003.25% interest rate · Effective Sep 16, 2026
Rate checked
More details - First National Bank Texas13 Month Fixed Rate CDCD · 13 months · $10,000 min · 3.25%–4.00% by balance
Bank · 19 branches
3.25%APY$353 over 13 months on $10,000Requirements
Product: 13-month CDs will automatically renew into a 12-month CD.
Offer: Automatically renews into a 12-month CD at maturity. Early withdrawal penalties apply.
3.21% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 13 Month Fixed Rate CD Balance APY $10,000 – $50,000Your amount 3.25% $50,000 – $100,000 3.75% $100,000 and up 4.00% Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.20%APY$320 over 1 year on $10,000
Requirements
Product: Penalty may be imposed for withdrawals before maturity. Dividends paid quarterly on certificates up to $100,000 and monthly on certificates $100,000 and up. After opening, deposits into or withdrawals from the account are not permitted until maturity.
3.15% interest rate · Effective Apr 1, 2026
Rate checked
More details - 3.15%APY$156 over 6 months on $10,000
Requirements
Product: $1,000 minimum opening deposit ($0 min daily balance to avoid fee). Automatically renews at maturity for the same term. Early withdrawal penalties apply. Interest compounded at maturity if 1 year or less; compounded annually if greater than 1 year. Rates effective as of 10/16/2026.
3.13% interest rate · Compounded annually · Effective Oct 16, 2026
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More details - FirstLight Federal Credit UnionDream Builder Share CertificateCD · 12 months · $5 min
Credit union · 3 branches
3.15%APY$315 over 1 year on $10,000Requirements
Product: Requires timely monthly deposits/periodic payments. Failure to make 3 timely deposits/periodic payments will result in certificate termination and possible early withdrawal penalty, with principal balance transferred into a share account. Does not apply to business accounts.
Offer: Requires timely monthly deposits/periodic payments.
3.11% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% 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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Find your bank or credit union to see all its rates and how they compare near you.
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