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 1–15 results in Española, 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 · 1 branch
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 - 3.00%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 - 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 - 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 - Del Norte Credit UnionMoney Market Checking AccountMoney Market Checking Account · $2,000 min · 0.75%–1.51% by balance
Credit union · 2 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 - 0.25%APY$25 a year on $10,000
Requirements
Product: Requires a $50 minimum monthly deposit for nine months. Fee may reduce earnings on the account. A penalty may be imposed for early withdrawal on any share certificate product.
Offer: $10.00 Minimum Balance to obtain APY. Requires a $50 minimum monthly deposit for nine months. A penalty may be imposed for early withdrawal on any share certificate product.
0.25% interest rate · Effective Oct 22, 2026
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 - Del Norte Credit UnionPrimary Savings AccountSavings · $5 min · 0.10%–0.20% by balance
Credit union · 2 branches
0.10%APY$10 a year on $10,000Requirements
Product: Variable rate account; rate may change after account opening. Minimum balance to open of $5.00. Fees may reduce earnings.
Offer: Minimum average daily balance to obtain APY is $5.00.
0.10% interest rate · Effective Oct 22, 2026
Rate by balance
Rate by balance for Primary Savings Account Balance APY Up to $2,000 0.10% $2,000 – $9,999 0.10% $10,000 – $24,999Your amount 0.10% $25,000 – $49,999 0.15% $50,000 and up 0.20% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Serves as share of ownership in Zia Credit Union. $25 minimum balance required to maintain credit union membership. Dividends are earned on the average daily balance for the month.
0.05% interest rate · No monthly fee · Effective Nov 14, 2022
Rate by balance
Rate by balance for Share Savings Balance APY Up to $1,999 0.05% $1,999 – $3,999 0.05% $3,999 – $39,999Your amount 0.10% Over $39,999 0.15% 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
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 Española, NM
25 accounts at 7 banks and credit unions · checked Oct 22
- Typical
- 0.10%
- Top 10% from
- 2.60%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.10%
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Española, NM metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Guadalupe Credit UnionCredit union · 1 branch
- UMB BankBank · 2 branches
- Del Norte Credit UnionCredit union · 2 branches