Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 31–45 results in Santa Fe, NM metro
- 0.10%APY$10 a year on $10,000
Requirements
Product: Unlimited transactions and free withdrawals.
Offer: No Minimum Amount To Open. No Low Balance Fee. Free Withdraws. Must have a minimum $100.00 balance in order to accumulate dividends. Rates are variable and may change after the account is opened.
0.10% interest rate · No monthly fee · Effective Jan 6, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Offer: No Minimum Amount To Open. No Low Balance Fee. Free Withdraws. Must have a minimum $100.00 balance in order to accumulate dividends. Rates are variable and may change after the account is opened.
0.10% interest rate · No monthly fee · Effective Jan 6, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Subject to membership eligibility. One-time fee of $1.
Offer: Must have a minimum $100.00 balance in order to accumulate dividends. Rates are variable and may change after the account is opened.
0.10% interest rate · Effective Jan 6, 2026
Rate checked
More details - Guadalupe Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.10%–0.30% by balance
Credit union · 3 branches
0.10%APY$10 a year on $10,000Requirements
Product: Subject to membership eligibility. Minimum daily balance of $1,000 required. Up to 3 free check withdrawals or 6 total withdrawals/transfers per month ($5.00 fee per additional withdrawal). $100 minimum per withdrawal ($5.00 fee for withdrawals under this amount). Low balance fee applies if minimum balance is not met.
Offer: Rates are variable and may change after the account is opened. Minimum $100.00 withdrawal. Maintain minimum balance to avoid monthly low balance fee.
0.10% interest rate · Effective Jan 6, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $10,000Your amount 0.10% $10,000 – $25,000 0.15% $25,000 – $50,000 0.25% Over $50,000 0.30% 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 - Sandia Area Federal Credit UnionTraditional SavingsSavings · $100 min · 0.05%–0.15% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Sandia Area membership is required. No monthly maintenance fees. Required to establish membership. A low minimum balance of $5 is required.
Offer: Dividends are compounded and credited monthly.
0.05% interest rate · No monthly fee · Effective Jul 27, 2022
Rate by balance
Rate by balance for Traditional Savings Balance APY $100 – $999 0.05% $1,000 – $49,999Your amount 0.10% $50,000 and up 0.15% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Exclusively available online. No monthly service charge. Interest compounded daily and credited monthly.
Offer: Minimum opening balance of $50 in new funds to First Citizens, maximum of $1,000,000, required to receive advertised APY. Variable rate subject to change. First two withdrawals or transfers per month are free, then $3 each.
Compounded daily · Balance cap $1,000,000 · No monthly fee
Rate checked
More details - 0.05%APY$5 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: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 2026
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More details - 0.05%APY$5 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: Standard interest rate and APY across all balance levels without qualifying relationship product.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - U.S. Eagle Federal Credit UnionSpecial Share Savings AccountSavings · $100 min
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Save for a special purpose. Add to balance anytime. Unlimited withdrawals with no penalties.
Offer: Minimum $100 balance to earn dividend.
0.05% interest rate · No monthly fee
Rate checked
More details - U.S. Eagle Federal Credit UnionPrimary Share Savings AccountSavings · $100 min
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Requirement for US Eagle membership. Must qualify for US Eagle membership, including $5 share deposit. Restricted Primary Share Savings Option available for those who have a challenged credit history (restrictions apply).
Offer: Minimum $100 balance to earn dividend.
0.05% interest rate · No monthly fee
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Must link to Kasasa Cash or Kasasa Cash Back checking account to make saving easy. Qualifying for Kasasa Cash or Kasasa Cash Back rewards automatically qualifies for highest Kasasa Saver rate; otherwise base dividend rate applies.
Offer: All balances if monthly qualifications in linked Kasasa Cash or Kasasa Cash Back checking account are not met.
Qualified rate · 0.05% interest rate
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Relationship rate; requires linking to a Premier Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.05% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate by balance
Rate by balance for Wells Fargo Platinum Savings Balance APY Any balanceYour amount 0.05% $25,000 and upPromotional rate accurate as of 2026-10-07 for new Platinum Savings accounts for customers who do not have an existing Wells Fargo consumer savings account (or ownership in past 30 days). $12 monthly fee avoided with $3,500 minimum daily balance. 3.25% Rate checked
More details - 0.05%APY$5 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: Base rate applied to all balances when Kasasa Cash or Kasasa Cash Back monthly qualifications are not met.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Sep 1, 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 Santa Fe, NM metro
60 accounts at 18 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