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 Alamogordo, NM metro
- 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 - First National Bank TexasMoney Market AccountMoney Market Account · $0 min · 0.02%–3.25% by balance
Bank · 1 branch
2.00%APY$200 a year on $10,000Requirements
Offer: The interest rate and APY on this account are subject to change at any time, without notice, after the account is opened. Interest compounded/credited daily/monthly.
0.02% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.02% $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 2.00% $25,000 – $50,000 2.50% $50,000 – $100,000 3.00% $100,000 – $250,000 3.25% $250,000 and up 3.25% 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 - Otero Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.00%–1.75% by balance
Credit union · 3 branches
1.00%APY$100 a year on $10,000Requirements
Product: Minimum balance to open is $2,500. Minimum balance to earn dividends is $2,500. Monthly fee if balance falls below minimum is $5. Limited transfers and withdrawals per month ($250 minimum per transaction). Membership eligibility requirements apply.
Offer: Monthly fee of $5 if balance falls below $2,500. Minimum balance to earn dividends is $2,500.
0.00% interest rate · $5 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.00% $2,500 – $25,000Your amount 1.00% $25,000 – $50,000 1.45% $50,000 – $100,000 1.70% $100,000 – $250,000 1.70% $250,000 and up 1.75% Rate checked
More details - 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 - LOCO Credit UnionRegular Share SavingsSavings · $100 min · 0.25%–0.35% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Dividends are calculated on a balance of $100.00 daily and paid monthly. ATM Card available.
Offer: Dividends calculated on a daily balance of $100.00 and paid monthly.
0.25% interest rate · Effective Jan 1, 2026
Rate by balance
Rate by balance for Regular Share Savings Balance APY $100 – $9,999 0.25% $10,000 – $24,999Your amount 0.30% $25,000 and up 0.35% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Interest rate and APY may change after account opening. Service charge of $5.00 per quarter if average daily balance falls below $100.00 (no minimum balance requirement for children under 18 or individuals over 55).
Offer: The interest rate and annual percentage yield may change after account opening. Service charge of $5.00 per quarter if average daily balance falls below $100.00 (waived for under 18 or over 55). 6 withdrawals per calendar quarter ($2.00 per excess withdrawal).
0.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - First National BankMoney Market Personal CheckingMoney Market Personal Checking · $2,500 min · 0.15%–0.30% by balance
Bank · 4 branches
0.20%APY$20 a year on $10,000Requirements
Product: Tiered interest rate based on daily balance. $2,500.00 minimum opening deposit. $9.00 monthly service charge applies to balances $0 to $2,499.99 (earns no interest); monthly service charge waived for balances $2,500.00 and over. Interest rate and APY may change after account opening. Limit of 6 preauthorized withdrawals/transfers per statement cycle ($6.00 per excessive debit).
Offer: Rate applies to daily balance of $2,500 to $9,999.99. $2,500.00 minimum balance to obtain APY. Monthly fee of $9.00 is waived for balances of $2,500.00 and over. Variable rate.
0.15% interest rate · $9 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Personal Checking Balance APY $2,500 – $10,000 0.15% $10,000 – $25,000Your amount 0.20% $25,000 – $50,000 0.25% $50,000 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: Initial deposit of $25 is required to establish membership and must remain in the account; refunded upon account closure. You must have a share (savings) account to have other OFCU products or services.
Offer: $1.00 monthly fee assessed if balance falls below the required $25. APY is earned if dividends remain in the account for one year. Dividends are computed daily, compounded, and paid monthly.
0.15% interest rate · $1 monthly fee
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 - 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 - Southwest Heritage BankPersonal Premium Money MarketPersonal Premium Money Market · $1,000 min · 0.00%–1.01% by balance
Bank · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: $1,000 minimum to open. $1,000 average daily balance to avoid a monthly service fee. Starts to earn interest with a $1,000 balance.
Offer: Below $1,000 earns no interest. $1,000 average daily balance to avoid a monthly service fee.
0.00% interest rate · Effective Jan 26, 2026
Rate by balance
Rate by balance for Personal Premium Money Market Balance APY Up to $1,000 0.00% $1,000 – $50,000Your amount 0.05% $50,000 – $100,000 0.05% $100,000 – $250,000 0.75% $250,000 and up 1.01% 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 Alamogordo, NM metro
18 accounts at 7 banks and credit unions · checked Oct 22
- Typical
- 0.18%
- Top 10% from
- 1.48%
- Banks, typical
- 0.15%
- Credit unions, typical
- 0.30%
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Alamogordo, NM metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Otero Federal Credit UnionCredit union · 3 branches