Compare Bank & Credit Union Rates
Best savings rates in Bernalillo, NM
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Sandoval County, NM · Showing Sandoval County, NM: too few institutions in Bernalillo, NM
- 3.82%APY$382 a year on $10,000
Requirements
Product: Offered exclusively online and may be discontinued at any time without notice. Not available in AZ, CA, ID, NV, OR, TX, UT, NM and WA states. Not available for IRAs or business accounts. Variable-rate account; interest compounded daily and credited monthly. Must fund account and provide required documentation within 20 business days of account opening.
Offer: No minimum opening deposit. No monthly account service charge.
3.75% interest rate · Compounded daily · No monthly fee · Effective May 4, 2026
Rate checked
More details - UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 2 branches
3.71%APY$371 a year on $10,000Requirements
Product: Interest rates and annual percentage yields (APYs) listed are for accounts opened online. Interest paid on tiered balances; debit card access; monthly service fee waiver option.
Offer: Tier I
0.10% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for UMB Retail Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier II 3.71% $25,000 – $50,000Tier III 3.71% $50,000 – $75,000Tier IV 3.71% $75,000 – $100,000Tier V 3.71% $100,000 – $1,000,000Tier VI 3.71% $1,000,000 and upTier VII 3.71% Rate checked
More details - Sandia Area Federal Credit UnionPeak PLUS High-Yield SavingsSavings · $0 min · 0.50%–3.00% by balance
Credit union · 1 branch
3.00%APY$300 a year on $10,000with conditionsRequirements
Product: Available only to holders of a Peak PLUS High Yield Checking or Peak PLUS Cash Back Checking account. Limit of one Peak Plus High-Yield Savings account per membership. There are no recurring monthly maintenance charges or fees to open or close this account. No minimum balance is required to earn or receive rewards.
Offer: Qualifying rate. Applies to portion of balance $200,000.00 and below when minimum qualification requirements for the Peak PLUS Checking account are met during the monthly qualification cycle (15 debit card purchases post/settle, 1 ACH credit or direct deposit settle, and enrolled in e-statements). Rate is variable.
Qualified rate · 2.96% interest rate · No monthly fee · Effective Aug 30, 2024
Rate by balance
Rate by balance for Peak PLUS High-Yield Savings Balance APY Up to $200,000Your amount 3.00% Over $200,000 0.50% Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Pairs with Kasasa Cash or Kasasa Cash Back checking account to auto-transfer rewards. No monthly maintenance fee. Requires qualifying monthly activities (at least 12 debit card purchases of $5.01 or more, e-statements, online/mobile banking login).
Offer: When monthly qualifications are met on linked Kasasa Cash or Kasasa Cash Back checking account.
Qualified rate · 2.96% interest rate · Balance cap $50,000 · No monthly fee · Effective Jun 8, 2026
Rate checked
More details - First National Bank TexasMoney Market AccountMoney Market Account · $0 min · 0.02%–3.25% by balance
Bank · 2 branches
2.00%APY$200 a year on $10,000Requirements
Offer: The interest rate and APY on this account are subject to change at any time, without notice, after the account is opened. Interest compounded/credited daily/monthly.
0.02% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.02% $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 2.00% $25,000 – $50,000 2.50% $50,000 – $100,000 3.00% $100,000 – $250,000 3.25% $250,000 and up 3.25% Rate checked
More details - Sandia Area Federal Credit UnionGrow Money MarketGrow Money Market · $500 min
Credit union · 1 branch
2.00%APY$200 a year on $10,000Requirements
Product: Rates accurate as of 07/26/2023. Unmatched dividend rate for any balance over $500.
1.98% interest rate · Effective Jul 26, 2023
Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - First Financial Credit UnionMoney Market AccountMoney Market Account · $500 min · 0.30%–2.27% by balance
Credit union · 2 branches
1.76%APY$176 a year on $10,000Requirements
Product: Tiered rates where higher balances earn higher rates. Minimum deposit of $500 to open. No monthly service fee and no minimum balance requirement to maintain the account. Enhanced access includes direct check writing (up to 6 transactions per month by check, pre-authorized automatic, or telephone drafts) and unlimited in-person or mail withdrawals.
0.30% interest rate · No monthly fee · Effective Jun 8, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $25 0.30% Up to $2,500 1.51% $2,500 – $10,000 1.76% $10,000 – $25,000Your amount 1.76% $25,000 – $50,000 1.76% $50,000 – $100,000 2.02% $100,000 – $250,000 2.02% $250,000 and up 2.27% Rate checked
More details - State Employees Credit UnionMoney MarketMoney Market · $0 min · 0.15%–2.25% by balance
Credit union · 1 branch
1.75%APY$175 a year on $10,0000.15% interest rate
Rate by balance
Rate by balance for Money Market Balance APY Up to $9,999 0.15% $10,000 – $49,999Your amount 1.75% $50,000 – $249,999 2.00% $250,000 and up 2.25% Rate checked
More details - WaFd BankHigh Yield Money MarketHigh Yield Money Market · $25 min · 1.25%–2.00% by balance
Bank · 1 branch
1.25%APY$125 a year on $10,000Requirements
Product: Promotion may be discontinued at any time. Not available for IRAs or business clients.
Offer: $1,000 minimum balance to avoid $10 monthly service charge.
1.24% interest rate · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for High Yield Money Market Balance APY Up to $89,999Your amount 1.25% $90,000 – $249,999 1.50% $250,000 – $499,999 1.60% $500,000 and up 2.00% Rate checked
More details - Nusenda Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.25%–3.10% by balance
Credit union · 2 branches
1.10%APY$110 a year on $10,000Requirements
Product: Must maintain an average monthly balance of $2,500 to avoid a $7.50 monthly maintenance fee. Variable-rate account; rates are subject to change after opening. Must maintain minimum daily balance each day to obtain disclosed APY.
Offer: Avoid the $7.50 monthly maintenance fee by maintaining an average monthly balance of $2,500. Must maintain minimum daily balance each day to obtain APY.
0.25% interest rate · $7.50 monthly fee · Effective Apr 30, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,499 0.25% $2,500 – $99,999Your amount 1.10% $100,000 – $249,999 1.35% $250,000 – $499,999 1.75% $500,000 – $999,999 2.60% $1,000,000 – $4,999,999 2.85% $5,000,000 and up 3.10% Rate checked
More details - Del Norte Credit UnionMoney Market Checking AccountMoney Market Checking Account · $2,000 min · 0.75%–1.51% by balance
Credit union · 2 branches
0.80%APY$80 a year on $10,000Requirements
Product: $2,000 minimum balance to open. Account uses average daily balance to obtain APY each monthly statement cycle. Variable rate account; rates and fees may change at any time. Money Market Checking Accounts do not qualify for Courtesy Pay and may not be used with Bill Pay. Make up to 6 withdrawals/debits per month to avoid fees, with a maximum of 3 by check or draft (service fee of $10 applies for more than 3 checks per month). May be opened online for new or existing members.
Offer: Minimum average daily balance of $2,000 to $9,999.99 each monthly statement cycle to obtain APY. Variable rate.
0.75% interest rate · Effective Oct 22, 2026
Rate by balance
Rate by balance for Money Market Checking Account Balance APY $2,000 – $10,000 0.75% $10,000 – $25,000Your amount 0.80% $25,000 – $50,000 1.00% $50,000 – $100,000Dividend rate is 1.25%. 1.26% $100,000 and upDividend rate is 1.50%. 1.51% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 1 branch
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% Rate checked
More details - BOK FinancialPremier Money MarketPremier Money Market · $50 min · 0.15%–2.50% by balance
Bank · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: $15 monthly maintenance fee waived by maintaining $10,000 average collected balance for the month. $50 opening deposit required. Earn 0.05% higher interest rate with a Premier or Select Checking account relationship. Free incoming domestic wires and check writing privileges.
0.15% interest rate · $15 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $10,000 0.15% $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 2.00% $50,000 – $100,000 2.25% $100,000 – $250,000 2.50% $250,000 and up 2.50% 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 savings accounts pay in Sandoval County, NM
61 accounts at 19 banks and credit unions · checked Oct 16–22
- Typical
- 0.15%
- Top 10% from
- 2.00%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.20%
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Albuquerque, NM metro
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 · 6 branches
- State Employees Credit UnionCredit union · 4 branches