Compare Bank & Credit Union Rates
Best savings rates in Las Cruces, 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 Las Cruces, NM
- 5.12%APY$512 a year on $10,000with conditions
Requirements
Product: Must provide proof of active service (military ID, employee/volunteer ID, paystub, or veterans ID) verifying role as an active first responder, educator, military personnel, healthcare worker, or veteran. At least one account owner must have an open checking account with Citizens Bank.
Offer: Earns 5.00% interest (5.12% APY) on balances up to $50,000. Balances in excess of $50,000 earn the regular savings account rate.
Qualified rate · 5.00% interest rate · Balance cap $50,000
Rate checked
More details - 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 - 3.02%APY$302 a year on $10,000
Rate by balance
Rate by balance for Velocity Money Market Balance APY Up to $24,999Your amount 3.02% Over $24,999 3.85% 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 · 3 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 - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Must maintain or open a consumer Century Bank checking account with at least one recurring monthly payroll or direct deposit from an outside source of at least $500. Minimum opening deposit must be from an external source. If eligibility requirements are not maintained, account earns 0.01% APY.
Offer: Opening deposit must be new money from an external source. $2,000 minimum daily balance required to avoid $10 monthly service fee and earn stated APY. Requires qualifying Century Bank checking account relationship; otherwise earns 0.01% APY.
Qualified rate · 1.98% interest rate · $10 monthly fee · Effective Sep 24, 2026
Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Must maintain or open a consumer Century Bank checking account with at least one recurring monthly payroll or direct deposit from an outside source of at least $500. Minimum opening deposit must be from an external source. If eligibility requirements are not maintained, account earns 0.01% APY.
Offer: Variable rate. $10 service fee per statement cycle if daily balance falls below $2,000. Must maintain $2,000 minimum daily balance and checking eligibility requirements to obtain stated APY; otherwise earns 0.01% APY.
Qualified rate · 1.98% interest rate · $10 monthly fee · Effective Sep 24, 2026
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 · 1 branch
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 - Nusenda Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.25%–3.10% by balance
Credit union · 3 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 - One Source Federal Credit UnionMoney Market AccountMoney Market Account · $2,000 min · 0.80%–1.31% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: No account service fee. Maintaining at least $2,000 account balance pays higher dividend rates. Interest is paid monthly.
Offer: Terms are 30 - 31 Days. Interest is paid monthly.
0.80% interest rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,000 – $4,999 0.80% $5,000 – $9,999 0.90% $10,000 – $24,999Your amount 1.00% $25,000 – $49,999 1.11% $50,000 – $99,999 1.21% $100,000 and up 1.31% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 2 branches
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 - 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
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 Las Cruces, NM
51 accounts at 18 banks and credit unions · checked Oct 16–22
- Typical
- 0.15%
- Top 10% from
- 2.00%
- Banks, typical
- 0.09%
- Credit unions, typical
- 0.15%
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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