Compare Bank & Credit Union Rates
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 Española, NM
- Del Norte Credit UnionCertificatesCD · 13 months · $1,000 min · 5.13%–5.23% by balance
Credit union · 2 branches
5.18%APY$562 over 13 months on $10,000intro rateRequirements
Product: Penalty may be imposed for early withdrawal. Fees may reduce earnings. Dividends compounded daily and paid monthly.
Offer: 13 month Special
Promotional rate · 5.00% interest rate · Compounded daily · Effective Oct 3, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and up 5.13% $10,000 and upYour amount 5.18% $100,000 and up 5.23% Rate checked
More details - 4.34%APY$1,003 over 27 months on $10,000intro rate
Requirements
Product: Early surrender penalties apply.
Offer: 27 Month CD SPECIAL.
Promotional rate · 4.25% interest rate · Effective Oct 22, 2026
Rate checked
More details - 4.29%APY$876 over 24 months on $10,000
Requirements
Product: Fixed rates. Minimum deposit $1,000. Early withdrawal penalty applies. ZAP loyalty rewards can increase certificate rates by up to 0.50% APY (0.10% per qualifying product/service).
Offer: 24 Months term. Balance $1,000 & Greater tier.
4.20% interest rate · Effective Sep 1, 2026
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 - 4.25%APY$534 over 15 months on $10,000intro rate
Requirements
Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.
Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.
Promotional rate · 4.24% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
Rate checked
More details - 4.10%APY$445 over 13 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 · 4.01% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.70%APY$339 over 11 months on $10,000with conditions
Requirements
Product: Requires opening or maintaining an existing Century Bank checking account ($25 opening deposit for Century Checking, $5/mo for paper statements or no charge for eStatements). Promotional rates cannot be combined with other offers. Early withdrawal penalty applies. Daily balance of $1,000 required to obtain stated APY ($5,000 for 3 Month CD). At maturity, 7-month CD renews into 182-day CD, 11-month CD renews into 12-month CD, and 3-month CD renews into 90 Day Classic CD. No public funds. Personal CDs have no maximum deposit; business CDs limited to $200,000.
Offer: Must open or own an existing Century Bank personal checking account. Daily balance of $1,000 required to obtain stated APY. Interest credited at maturity and not compounded. Renews into 12-month CD at maturity. Rates effective as of 9/24/2026.
Qualified rate · Effective Sep 24, 2026
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 - 3.50%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 - 3.15%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 - 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 - 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
Rate checked
More details - 1.76%APY$265 over 18 months on $10,000
Requirements
Product: Funding and additions through direct deposit or scheduled ACH deposits.
Offer: Funding & additions through direct deposit or scheduled ACH deposits.
1.75% interest rate · Effective Oct 22, 2026
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 0.30%APY$181 over 72 months on $10,000
Requirements
Product: Time Deposits under $100,000. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. If the account term is greater than 12 months, interest cannot remain on deposit and payout of interest is mandatory.
Offer: Interest cannot remain on deposit; payout of interest is mandatory.
0.30% interest rate · Balance cap $99,999.99 · Effective Oct 5, 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 Española, NM
99 CDs at 7 banks and credit unions · checked Oct 15–22
- Typical
- 2.36%
- Top 10% from
- 4.13%
- Banks, typical
- 1.51%
- Credit unions, typical
- 3.61%
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Española, NM metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Guadalupe Credit UnionCredit union · 1 branch
- UMB BankBank · 2 branches
- Del Norte Credit UnionCredit union · 2 branches