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
- 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 Dividends may only be withdrawn during the grace period prior to renewal.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 - 4.35%APY$435 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 Dividends may only be withdrawn during the grace period prior to renewal.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: Annual/Maturity 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 · 4.35%–4.45% by balance
Credit union · 2 branches
4.35%APY$435 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: Annual/Maturity 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 4.35% $50,000 and up12-month Jumbo. 4.45% 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 - Navy Federal Credit UnionStandard CertificateCD · 12 months · $1,000 min · 4.05%–4.10% by balance
Credit union · 2 branches
4.05%APY$405 over 1 year on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.05% $20,000 and up 4.05% $100,000 and up 4.10% Rate checked
More details - America First Credit UnionLadder Certificate AccountsCD · 12–17 months · $500 min
Credit union · 1 branch
4.05%APYRequirements
Product: Laddering certificate accounts across terms. Matured accounts renew to longest ladder term.
Offer: Early-withdrawal penalties may apply. Dividends credited monthly.
3.98% interest rate · Effective Oct 21, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
Rate checked
More details - 4.00%APY$400 over 1 year 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.
3.94% interest rate · Effective Oct 8, 2026
Rate checked
More details - Estacado Federal Credit UnionShare CertificatesCD · 12–17 months · $1,000 min · 4.00%–4.10% by balance
Credit union · 3 branches
4.00%APYRequirements
Product: Early withdrawal penalty may apply.
3.93% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $100,000Your amount 4.00% $100,000 and upJumbo Certificates over $100,000 4.10% Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Standard Term Certificates are available to personal and business members. Penalty may be imposed for early withdrawal. APY if dividends are not withdrawn during the term.
3.93% interest rate · Effective Sep 16, 2026
Rate checked
More details - America First Credit UnionBump-Rate Certificate AccountsCD · 12–17 months · $500 min
Credit union · 1 branch
3.90%APYRequirements
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.
3.83% interest rate · Effective Oct 21, 2026
Rate checked
More details - FirstLight Federal Credit UnionShare CertificateCD · 12 months · $500 min · 3.90%–4.00% by balance
Credit union · 3 branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Membership eligibility applies. Federally insured by NCUA. Rates subject to change without notice. Early withdrawal penalties apply. Fees may reduce earnings.
3.83% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $24,999Your amount 3.90% $25,000 – $99,999 3.95% $100,000 and up 4.00% Rate checked
More details - Del Norte Credit UnionCertificatesCD · 12 months · $1,000 min · 3.82%–3.92% by balance
Credit union · 9 branches
3.87%APY$387 over 1 year on $10,000intro rateRequirements
Product: Penalty may be imposed for early withdrawal. Fees may reduce earnings. Dividends compounded daily and paid monthly.
Promotional rate · 3.75% interest rate · Compounded daily · Effective Oct 3, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and up 3.82% $10,000 and upYour amount 3.87% $100,000 and up 3.92% Rate checked
More details - Santa Fe Federal Credit UnionCertificates of DepositCD · 12 months · $500 min
Credit union · 1 branch
3.87%APY$387 over 1 year on $10,0003.80% interest rate · Effective Sep 29, 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 1-year CDs pay in New Mexico
81 CDs at 58 banks and credit unions · checked Oct 16–22
- Typical
- 3.25%
- Top 10% from
- 4.00%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.48%
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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