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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 1–15 results in Eddy County, NM · Showing Eddy County, NM: too few institutions in Artesia, NM
- 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 - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - 3.80%APY
Requirements
Product: A penalty may be imposed for early withdrawal. APY on certificates of deposit with term lengths indicated in a range of days/months is calculated on the maximum term length.
Offer: Term is 18-29 months. APY calculated on maximum term length. Early withdrawal penalty may apply.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - First National Bank Texas8 Month Fixed Rate CDCD · 8 months · $500 min · 3.75%–4.25% by balance
Bank · 1 branch
3.75%APY$248 over 8 months on $10,000intro rateRequirements
Product: Promotions are for a limited time only. 8-month CDs will automatically renew into a 6-month CD.
Offer: Promotional CD offer. Automatically renews into a 6-month CD at maturity. Early withdrawal penalties apply. Interest compounded and credited quarterly.
Promotional rate · 3.70% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 8 Month Fixed Rate CD Balance APY $500 – $50,000Your amount 3.75% $50,000 – $100,000 4.25% $100,000 and up 4.25% Rate checked
More details - First National Bank Texas7 Month Fixed Rate CDCD · 7 months · $500 min · 3.25%–4.20% by balance
Bank · 1 branch
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 - 3.34%APY$1,036 over 36 months on $10,000
3.30% interest rate · Effective Jul 1, 2026
Rate checked
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 - First National Bank Texas13 Month Fixed Rate CDCD · 13 months · $10,000 min · 3.25%–4.00% by balance
Bank · 1 branch
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 - 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 - 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
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
Rate checked
More details - 2.63%APY$420 over 19 months on $10,000
Requirements
Product: Requires 10 day written notice for no penalty.
Offer: Requires 10 day written notice for no penalty.
2.60% interest rate · Effective Oct 1, 2026
Rate checked
More details - First National Bank Texas1 Year (12 Month) Fixed Rate CDCD · 12 months · $500 min · 2.25%–2.75% by balance
Bank · 1 branch
2.25%APY$225 over 1 year on $10,000Requirements
Offer: Early withdrawal penalties apply. Interest compounded and credited quarterly.
2.23% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 1 Year (12 Month) Fixed Rate CD Balance APY $500 – $50,000Your amount 2.25% $50,000 and up 2.75% Rate checked
More details - 2.00%APY$150 over 9 months on $10,000
Requirements
Offer: Early withdrawal penalties apply. Interest compounded and credited quarterly.
1.99% interest rate · Effective Oct 1, 2026
Rate checked
More details - First National Bank Texas6 Month Fixed Rate CDCD · 6 months · $500 min · 1.85%–2.00% by balance
Bank · 1 branch
1.85%APY$92 over 6 months on $10,000Requirements
Offer: Early withdrawal penalties apply. Interest compounded and credited quarterly.
1.84% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 6 Month Fixed Rate CD Balance APY $500 – $50,000Your amount 1.85% $50,000 and up 2.00% 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 Eddy County, NM
63 CDs at 8 banks and credit unions · checked Oct 16–22
- Typical
- 2.78%
- Top 10% from
- 3.83%
- Banks, typical
- 2.01%
- Credit unions, typical
- 3.04%
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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