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Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Las Cruces, NM metro
- 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 - 3.60%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 - First National Bank Texas7 Month Fixed Rate CDCD · 7 months · $500 min · 3.25%–4.20% by balance
Bank · 3 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$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 - 3.30%APY$330 over 1 year on $10,000
3.25% interest rate · Effective Oct 6, 2026
Rate checked
More details - 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 · 1 branch
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 - First National Bank Texas13 Month Fixed Rate CDCD · 13 months · $10,000 min · 3.25%–4.00% by balance
Bank · 3 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 - 3.15%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
Rate checked
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 - 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
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 Las Cruces, NM metro
212 CDs at 17 banks and credit unions · checked Oct 6–22
- Typical
- 3.04%
- Top 10% from
- 3.85%
- Banks, typical
- 1.76%
- Credit unions, typical
- 3.45%
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Las Cruces, NM metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Navy Federal Credit UnionCredit union · 1 branch
- First Financial Credit UnionCredit union · 1 branch