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 46–60 results in New Mexico
- GECUPersonal Bump-up Certificate Accounts (Variable rate)CD · 18 months · $5,000 min · 3.66%–3.76% by balance
Credit union · 2 branches
3.66%APY$554 over 18 months on $10,000Requirements
Product: Variable rate. Bump-up certificate accounts offer an option to increase the dividend rate once during each term to the current rate in effect upon written request. Unlimited funds may be deposited at any time during the term. Does not qualify for Senior Privilege 15 additional basis points. Membership eligibility is required; $10 share account deposit required.
Offer: Monthly Crediting. 18-month term. Average daily balance requirement of $5,000. One option to increase rate during term.
3.60% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Personal Bump-up Certificate Accounts (Variable rate) Balance APY $5,000 and upYour amount 3.66% $50,000 and up18-month Jumbo. 3.76% Rate checked
More details - 3.66%APY$1,969 over 60 months on $10,000
Requirements
Product: 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.
Offer: Early withdrawal penalty of 6 months interest on amount withdrawn.
3.60% interest rate
Rate checked
More details - 3.66%APY$1,969 over 60 months on $10,000intro rate
Requirements
Product: 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 Early withdrawal penalty of 6 months interest on balance withdrawn with 10-day grace period upon maturity.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.
Offer: Initial 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 Early withdrawal penalty of 6 months interest penalty on balance withdrawn.
Promotional rate · 3.60% interest rate
Rate checked
More details - 3.60%APY$208 over 7 months on $10,000intro rate
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.
Promotional rate · 3.53% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.55%APY$176 over 6 months on $10,000
Requirements
Product: Membership at Questa Credit Union is open to anyone living, working, or owning property within the Questa School District, including Questa, Cerro, Red River, Costilla, Amalia, and nearby areas. Early surrender penalties apply. Rates subject to change without notice.
Offer: Early surrender penalties apply. Stated APR is 3.50%.
3.50% interest rate · Effective May 13, 2025
Rate checked
More details - 3.51%APY$471 over 16 months on $10,000
Requirements
Product: During the term, account owner may withdraw up to 50% of account balance once per calendar month without penalty. Withdrawals over 50% incur a penalty equivalent to 180 days' worth of dividends on the remaining amount. Early withdrawal penalty may apply. Available to personal and business members.
Offer: Standard rate tier. APY if dividends are not withdrawn during the term.
3.45% interest rate · Balance cap $99,999.99 · Effective Sep 16, 2026
Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal. Minimum daily balance required to obtain APY is $1,000.00. Fees could reduce earnings. Bank reserves the right to require at least 7 days' notice in writing before withdrawals.
Offer: Balances Over $1,000. Minimum daily balance required to obtain the APY is $1,000.00. Early withdrawal penalty may apply.
3.45% interest rate · Effective Oct 8, 2026
Rate checked
More details - First National Bank Texas7 Month Fixed Rate CDCD · 7 months · $500 min · 3.25%–4.20% by balance
Bank · 19 branches
3.50%APY$203 over 7 months on $10,000intro rateRequirements
Product: Promotional CD. Automatically renews into a 6-month CD at maturity.
Offer: Automatically renews into a 6-month CD at maturity. Early withdrawal penalties apply.
Promotional rate · 3.21% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for 7 Month Fixed Rate CD Balance APY $500 – $10,000 3.25% $10,000 – $50,000Your amount 3.50% $50,000 – $100,000Promotional CD offer; visit branch to open. 4.00% $100,000 and up 4.20% Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
3.50% interest rate
Rate checked
More details - 3.50%APY$560 over 19 months on $10,000intro rate
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.
Promotional rate · 3.44% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.41%APY$169 over 6 months on $10,000
Requirements
Product: No setup or maintenance fees. Early closure/withdrawals subject to penalty. Rates are fixed for term and until maturity.
Offer: Must maintain a minimum daily balance of $1,000 in the account each day to obtain the disclosed annual percentage yield.
3.35% interest rate · Effective Jan 26, 2026
Rate checked
More details - 3.40%APY$84 over 3 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal. Minimum daily balance required to obtain APY is $1,000.00. Fees could reduce earnings. Bank reserves the right to require at least 7 days' notice in writing before withdrawals.
Offer: Balances Over $1,000. Minimum daily balance required to obtain the APY is $1,000.00. Early withdrawal penalty may apply.
3.34% interest rate · Effective Oct 8, 2026
Rate checked
More details - 3.34%APY$1,036 over 36 months on $10,000
3.30% interest rate · Effective Jul 1, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.30%APY$330 over 1 year on $10,000
3.25% interest rate · Effective Oct 6, 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