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 Los Alamos, NM
- 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 - 3.02%APY$302 a year on $10,000
Rate by balance
Rate by balance for Velocity Money Market Balance APY Up to $24,999Your amount 3.02% Over $24,999 3.85% 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 - Del Norte Credit UnionMoney Market Checking AccountMoney Market Checking Account · $2,000 min · 0.75%–1.51% by balance
Credit union · 1 branch
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 - Los Alamos Schools Credit UnionMoney Market AccountMoney Market Account · $2,000 min · 0.76%–1.52% by balance
Credit union · 1 branch
0.76%APY$76 a year on $10,000Requirements
Product: Amounts above $2,000 earn interest, with more interest being earned at Tier 2 and Tier 3, respectively. Once a particular balance range is met, the Dividend Rates & APY for that balance range will apply to the full balance of your account. Membership eligibility applies (school association or relative/family member).
Offer: Money Market Tier I (2k to 25k). Once a particular balance range is met, the Dividend Rates & APY for that balance range will apply to the full balance of your account.
0.75% interest rate · Effective Sep 16, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,000 – $25,000Your amount 0.76% $25,000 – $75,000Money Market Tier II (25k to 75k). 1.26% $75,000 and upMoney Market Tier III (75k or more). 1.52% 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 - Del Norte Credit UnionPrimary Savings AccountSavings · $5 min · 0.10%–0.20% by balance
Credit union · 1 branch
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: Open to current and retired Los Alamos Public Schools employees and their families; requires a valid government photo ID, school association verification, and a minimum of $25.
0.10% interest rate · Effective Sep 16, 2026
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 - 0.03%APY$3 a year on $10,000
Requirements
Product: Monthly service fee of $2 is avoided with a minimum daily balance of $100.
Offer: Variable rate. $2 monthly service fee avoided with $100 minimum daily balance.
0.03% interest rate · $2 monthly fee · Effective Sep 24, 2026
Rate checked
More details - 0.02%APY$2 a year on $10,000
Requirements
Product: Rates listed are for accounts opened online. Must be 18 or older, a U.S. citizen or resident alien, and reside in AZ, CA, CO, IL, IA, KS, MN, MO, NE, NM, OK, TX, UT, or WI to open online.
Offer: Monthly service fee waived with $100 minimum daily ledger balance.
0.02% interest rate · $3 monthly fee · Effective Sep 17, 2026
Rate checked
More details - Century BankHigh Performance Money MarketHigh Performance Money Market · $5,000 min · 0.01%–0.18% by balance
Bank · 1 branch
0.01%APY$1 a year on $10,000Requirements
Product: Variable rate may change at the bank's discretion at any time without limitation or notice. Account Closure Fee of $25 if closed within first 90 days. Complimentary E-statements, paper statements available for $5/month.
Offer: Variable rate. Min daily balance to obtain APY is $1,000.
0.01% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for High Performance Money Market Balance APY $1,000 and up 0.01% $10,000 and upYour amount 0.01% $25,000 and up 0.02% $50,000 and up 0.02% $100,000 and up 0.18% 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 Los Alamos, NM
15 accounts at 6 banks and credit unions · checked Oct 16–22
- Typical
- 0.25%
- Top 10% from
- 3.01%
- Banks, typical
- 2.00%
- Credit unions, typical
- 0.18%
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Los Alamos, NM metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- UMB BankBank · 1 branch
- Del Norte Credit UnionCredit union · 2 branches