Compare Bank & Credit Union Rates
Best savings rates in Santa Fe, 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 Santa Fe, 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 - 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: Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings. To earn the highest Kasasa Saver rate, qualifications on linked Kasasa Cash or Kasasa Cash Back account must be met during each Monthly Qualification Cycle (at least one direct deposit, ACH payment, ACH credit, or bill pay transaction; at least 12 debit card purchases; enrolled in and agree to receive e-Statements; enrolled in and log into online or mobile banking). If qualifications are not met, all balances earn 0.05% APY.
Offer: Requires meeting Kasasa Cash or Kasasa Cash Back monthly qualification requirements.
Qualified rate · 2.99% interest rate · No monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $100,000Your amount 3.00% Over $100,000 0.15% 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 - 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 - 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 - State Employees Credit UnionMoney MarketMoney Market · $0 min · 0.15%–2.25% by balance
Credit union · 3 branches
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 · 2 branches
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 - Del Norte Credit UnionMoney Market Checking AccountMoney Market Checking Account · $2,000 min · 0.75%–1.51% by balance
Credit union · 3 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 - 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 Santa Fe, NM
59 accounts at 17 banks and credit unions · checked Oct 15–22
- Typical
- 0.10%
- Top 10% from
- 2.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.15%
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Santa Fe, NM metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Sandia Area Federal Credit UnionCredit union · 1 branch
- State Employees Credit UnionCredit union · 3 branches
- Guadalupe Credit UnionCredit union · 3 branches