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 16–30 results in Las Cruces, NM
- 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Three qualifiers required for premium rate: at least 1 automatic ACH payment or ACH direct deposit post and clear per qualification cycle, at least 12 debit card transactions post and clear per qualification cycle, and enroll and receive electronic statements. Earns base rate of 0.20% APY on all balances if qualifications are not met.
Offer: Qualifying rate tier for balances up to $50,000 when all 3 qualifiers are met.
Qualified rate · 0.50% interest rate · No monthly fee · Effective Jan 26, 2026
Rate by balance
Rate by balance for Kasasa® Saver Balance APY Up to $50,000Your amount 0.50% Over $50,000 0.20%* Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Establishes membership with First Financial Credit Union. $5 minimum balance required of all members ($2/monthly fee if balance falls below $5). No monthly service fee if minimum balance is maintained.
Offer: Minimum balance of $5 or more to earn dividends. $2 monthly fee applies if balance falls below $5.
0.35% interest rate · Effective Jun 8, 2026
Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 2 branches
0.30%APY$30 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: Standard APY for balances less than $5,000. Monthly maintenance fee waived for first 60 days or with a $5,000 minimum daily balance.
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 0.05% $5,000 – $25,000Your amount 0.30% $25,000 – $100,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 0.65% $100,000 – $250,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 1.70% $250,000 and upMonthly maintenance fee waived with a $5,000 minimum daily balance. 2.50% Rate checked
More details - White Sands Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.30%–1.76% by balance
Credit union · 2 branches
0.30%APY$30 a year on $10,000Requirements
Product: Available to members who live, work, or worship in Dona Ana, Sierra, El Paso, or Hudspeth County, family members of current members, or anyone over age 55 in the community. Requires a one-time $10 membership fee. With a minimum opening balance and maintained minimum daily balance. APY is based on compounded rate. The dividend rate and annual percentage yield may change monthly. There is a minimum average daily balance to avoid a service fee. Dividends calculated on average daily balance; accrued dividends not paid if closed prior to crediting. Maximum of 6 preauthorized, automatic, or telephone transfers per month by check, draft, or debit card to a third party.
Offer: Requires a minimum balance of $2,500 to earn stated rate.
0.30% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 and upYour amount 0.30% $25,000 and up 0.80% $50,000 and up 0.90% $100,000 and up 1.26% $200,000 and up 1.76% Rate checked
More details - Nusenda Credit UnionRegular SavingsSavings · $5 min · 0.00%–0.25% by balance
Credit union · 3 branches
0.25%APY$25 a year on $10,000Requirements
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 - Mountain Star Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.15%–0.30% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Dividends paid monthly. No monthly or transaction fees as long as a minimum balance of $2,500.00 is maintained. Below minimum balance fee is $5.00 monthly. 6 withdrawals per month limit; $2.00 fee for exceeding withdrawal limitation. No ATM or Check Card access allowed. Non-sufficient funds fee is $30.00 per check.
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $9,999 0.15% $10,000 – $24,999Your amount 0.20% $25,000 and up 0.30% Rate checked
More details - 0.20%APY$20 a year on $10,000with conditions
Requirements
Product: Three qualifiers required for premium rate: at least 1 automatic ACH payment or ACH direct deposit post and clear per qualification cycle, at least 12 debit card transactions post and clear per qualification cycle, and enroll and receive electronic statements. Earns base rate of 0.20% APY on all balances if qualifications are not met.
Offer: Base rate on all balances if qualification requirements are not met.
Qualified rate · No monthly fee
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 - 0.15%APY$15 a year on $10,000
Requirements
Product: Membership eligibility is required. Requires opening and maintaining a minimum of $10 to establish GECU membership.
Offer: Minimum average daily balance of $100 to earn dividends. Dividends are compounded and credited quarterly on the last day of March, June, September, and December. Dividends are paid from current earnings available after transfers to reserves and only after formal declaration by the board of directors.
0.15% interest rate · No monthly fee · Effective Oct 6, 2026
Rate checked
More details - FirstLight Federal Credit UnionIndividual Development AccountSavings · $100 min
Credit union · 3 branches
0.15%APY$15 a year on $10,000Requirements
Product: Membership eligibility applies.
Offer: Minimum Average Daily Balance of $100 or more.
0.15% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Membership eligibility applies. Minimum opening deposit is $5. Dividends earned with average daily balance of $100 or more.
Offer: Minimum Average Daily Balance of $100 or more.
0.15% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Key account for membership at White Sands Federal Credit Union; must be kept open to continue active membership.
Offer: Dividend rate (APR) is 0.15%. Minimum average daily balance required to obtain APY and avoid service fee.
0.15% interest rate
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Save for a special purchase and name account accordingly. No minimum deposit required to open.
Offer: Earns dividends on all balances / entire balance.
0.15% interest rate · Effective Jun 8, 2026
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
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