Compare Bank & Credit Union Rates
Best savings rates in Gallup, 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 Gallup, 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 - 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 · 1 branch
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 - 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 - 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 - 0.70%APY$70 a year on $10,000
Requirements
Offer: Earns dividends on all balances.
0.70% interest rate · Effective Jun 8, 2026
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Available online or at local branches. Interest calculated daily. Up to 9 withdrawals per quarter free, $1.25 for each additional debit. $9.00 quarterly service fee waived with a minimum balance of $200.
Offer: Rates listed are available for accounts opened online only and may differ for accounts opened at a local branch. Rates are effective as of today's date and are subject to change. $9.00 service charge per statement quarter if balance falls below $200.
Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Establishes membership with First Financial Credit Union. $5 minimum balance required of all members ($2/monthly fee if balance falls below $5). No monthly service fee if minimum balance is maintained.
Offer: Minimum balance of $5 or more to earn dividends. $2 monthly fee applies if balance falls below $5.
0.35% interest rate · Effective Jun 8, 2026
Rate checked
More details - Bank of ColoradoMoney Market AccountMoney Market Account · $1,000 min · 0.20%–1.76% by balance
Bank · 2 branches
0.20%APY$20 a year on $10,000Requirements
Product: $15.00 monthly service charge applies if account balance falls below $1,000 minimum at any time during monthly cycle. Up to 6 withdrawals per month allowed. Rates listed are available for accounts opened online only.
Offer: Opened online only. $15.00 monthly service charge waived if balance stays at or above $1,000.
0.20% interest rate · $15 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $25,000Your amount 0.20% $25,000 – $100,000 0.45% $100,000 – $500,000 0.70% $500,000 – $1,000,000 0.75% $1,000,000 – $3,000,000 1.26% $3,000,000 and up 1.76% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Interest is compounded daily and credited on the last day of the statement cycle for Money Market accounts. Variable-rate account.
Offer: $1,000 minimum balance to earn interest and avoid $10 monthly service charge.
0.15% interest rate · Compounded daily · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $14,999Your amount 0.15% $15,000 and up$1,000 minimum balance to avoid $10 monthly service charge. 0.20% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Save for a special purchase and name account accordingly. No minimum deposit required to open.
Offer: Earns dividends on all balances / entire balance.
0.15% interest rate · Effective Jun 8, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Variable-rate savings account. Monthly fee is $3 (waived with $100 minimum balance; free for minors up to age 18).
Offer: Minimum balance to earn interest is $100. Monthly fee of $3 is waived on balances of $100 or more.
0.10% interest rate · $3 monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000with conditions
Requirements
Product: Requires an active WaFd checking account to open. Maximum of three Start Savings accounts per Taxpayer Identification Number (TIN). Variable blended rate.
Offer: Tier 1 blended rate for balances $0 to $500. Requires an active checking account to open.
Qualified rate · 4.88% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Start Savings Balance APY Up to $500 5.00% $500 – $1,000 2.50% $1,000 and upYour amount 0.10% 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 Gallup, NM
23 accounts at 6 banks and credit unions · checked Oct 16–22
- Typical
- 0.15%
- Top 10% from
- 2.00%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.53%
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Gallup, NM metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- First Financial Credit UnionCredit union · 3 branches