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 1–13 results in Taos, NM metro · Few institutions in Taos, NM metro: choose a wider area in the filters
- 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 - Nusenda Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.25%–3.10% by balance
Credit union · 1 branch
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 - 0.65%APY$65 a year on $10,000
Requirements
Product: $500 minimum daily balance to avoid $14.00 quarterly service charge. First 3 withdrawals per quarter are free; subsequent withdrawals are $2.00 each. Interest compounded and credited quarterly.
Offer: $500 minimum daily balance to avoid $14.00 quarterly service charge. First 3 withdrawals per quarter are free; subsequent withdrawals are $2.00 each. Interest compounded and credited quarterly.
0.65% interest rate · Effective Sep 1, 2026
Rate checked
More details - Centinel Bank of TaosMoney Market Deposit AccountMoney Market Deposit Account · $100 min · 0.60%–1.91% by balance
Bank · 2 branches
0.60%APY$60 a year on $10,000Requirements
Product: Fees could reduce the earning on the account. Rate may change after account opening.
Offer: Monthly fee of $14.00 applies only if under minimum balance of $5,000.
0.60% interest rate · $14 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Deposit Account Balance APY Up to $25,000Your amount 0.60% $25,000 and up 1.00% $75,000 and up 1.16% $150,000 and up 1.26% $250,000 and up 1.76% $500,000 and up 1.86% $1,000,000 and up 1.91% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Dividends are compounded daily and paid monthly. No monthly fees. Minimum opening deposit is $5. Must maintain the minimum daily balance each day to obtain the disclosed APY.
Offer: Non-Transaction Share/Dividend tier for minimum balance of $5.
0.00% interest rate · Compounded daily · No monthly fee · Effective Apr 30, 2026
Rate by balance
Rate by balance for Regular Savings Balance APY Up to $100 0.00% $100 – $9,999 0.25% $10,000 and upYour amount 0.25% Rate checked
More details - 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 · 1 branch
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 - 0.05%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
Rate checked
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. BankU.S. Bank Elite Money MarketU.S. Bank Elite Money Market · $0 min · 0.01%–3.40% by balance
Bank · 1 branch
0.01%APY$1 a year on $10,0000.01% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for U.S. Bank Elite Money Market Balance APY Up to $10,000 0.01% $10,000 – $25,000Your amount 0.01% $25,000 – $50,000 3.40% $50,000 – $100,000 3.40% $100,000 – $500,000 3.40% $500,000 – $10,000,000,000 3.40% 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 Taos, NM metro
13 accounts at 4 banks and credit unions · checked Oct 16–22
- Typical
- 0.10%
- Top 10% from
- 1.82%
- Banks, typical
- 0.60%
- Credit unions, typical
- 0.10%
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Taos, NM metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Guadalupe Credit UnionCredit union · 1 branch