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 76–90 results in New Mexico
- 3.05%APY$75 over 3 months on $10,000
Requirements
Product: For CDs from $1,000 up to and including $99,999. Fixed interest rate, compounded daily. Online account opening requires minimum 3 month term and deposit less than $100,000 funded via existing Zions Bank account or wire transfer. Early withdrawal penalties apply.
Offer: Term 3 MONTHS. Fixed rate. Rates displayed for Idaho and Utah.
3.00% interest rate · Compounded daily · Balance cap $99,999 · Effective Oct 3, 2026
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More details - 3.05%APY
Requirements
Product: $1,000 minimum to open ($500 minimum for minors). A penalty may be assessed for early withdrawal.
Offer: Term: 6 - 11 Months. Renewal Term: 6 - 11 Months. A penalty may be assessed for early withdrawal.
3.00% interest rate · Effective Oct 14, 2026
Rate checked
More details - Internationalites Federal Credit UnionCertificates of DepositCD · 6 months · $1,000 min
Credit union · 1 branch
3.04%APY$151 over 6 months on $10,000Requirements
Product: Requires credit union membership with a minimum purchase of 6 shares at $5.00 par value ($30.00 total). Dividends are compounded and credited monthly using the average daily balance method. Additional deposits are not allowed after opening. Partial withdrawals are not allowed; early withdrawal penalty is 90 days' dividends. Automatically renewable with a 10-day grace period after maturity.
Offer: Fixed rate for the 6-month term. Dividends compounded and credited monthly.
3.00% interest rate · Effective Feb 28, 2023
Rate checked
More details - Los Alamos Schools Credit Union12 Month Certificate of DepositCD · 12 months · $500 min
Credit union · 1 branch
3.03%APY$303 over 1 year on $10,0003.00% interest rate · Effective Sep 16, 2026
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More details - U-1st Community Federal Credit UnionCertificates of DepositCD · 12 months · $1,000 min
Credit union · 2 branches
3.03%APY$303 over 1 year on $10,000Requirements
Product: Competitive dividend rates paid quarterly. Fixed rate guaranteed for term of deposit. Automatic renewals available. Statements mailed quarterly. 6 to 36 month terms available.
3.00% interest rate · Balance cap $250,000
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More details - 3.00%APY$174 over 7 months on $10,000
Requirements
Product: No monthly fee. Withdraw your money at any time and pay no penalties.
Offer: 7 Month No Penalty; $1,000 opening deposit required / $250,000 max; under $100,000 and $100,000 or more tiers earn 3.00% APY.
2.97% interest rate · Balance cap $250,000 · Effective Oct 1, 2026
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More details - 3.00%APY$376 over 15 months on $10,000
Requirements
Product: No monthly fee. Months 0-7: withdraw all money including interest earned without penalties any time after first 7 days following funding date. Months 8-15: early withdrawal fee is $25 plus 3% of amount withdrawn.
Offer: 15 Month Flex; $1,000 opening deposit required / $500,000 max; under $100,000 and $100,000 or more tiers earn 3.00% APY.
2.97% interest rate · Balance cap $500,000 · Effective Oct 1, 2026
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More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
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More details - 2.95%APY$754 over 30 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 · 2.90% interest rate · Effective Oct 14, 2026
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More details - 2.90%APY$290 over 1 year on $10,000
Requirements
Product: Minimum deposit to open the account is also the minimum balance to obtain the APY. APY assumes principal and interest remain on deposit for the entire term. Early withdrawal penalty may apply.
Offer: 1 Year term.
2.90% interest rate · Effective Sep 8, 2026
Rate checked
More details - 2.77%APY$138 over 6 months on $10,000intro rate
Requirements
Product: $1,000 minimum balance required to open an account. Fixed interest rates. Accrued interest compounded quarterly for terms over 12 months. Auto-renewing CDs available. Penalties apply for early withdrawal.
Offer: Special Rate Time Deposits 182 day time deposit. Minimum balance to open is $1,000 and minimum to earn APY is $.01. A penalty may be imposed for early withdrawal and fees may reduce earnings on the account.
Promotional rate · Compounded quarterly · Effective Oct 21, 2026
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More details - Los Alamos Schools Credit Union6 Month Certificate of DepositCD · 6 months · $500 min
Credit union · 1 branch
2.77%APY$138 over 6 months on $10,0002.75% interest rate · Effective Sep 16, 2026
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More details - NBH BankFixed Rate 15 Month Time Deposit (Online Account Opening)CD · 15 months · $500 min
Bank · 4 branches
2.76%APY$346 over 15 months on $10,000Requirements
Product: Online Account Opening schedule for 15 Month Certificate of Deposit Time Account.
Offer: Must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. Interest compounded annually and credited annually and at maturity.
2.75% interest rate · Compounded annually
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More details - 2.75%APY$558 over 24 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.
2.72% interest rate
Rate checked
More details - 2.65%APY$816 over 36 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.
2.62% interest rate · Effective Oct 8, 2026
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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