Best 4-Year CD Rates in Los Ranchos de Albuquerque, New Mexico, NM

You are viewing rates from banks across Los Ranchos de Albuquerque

Below are four-year CD Rates from banks in New Mexico . Four-Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four year cd rates are often only marginally above the 3 year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4 year cds are worth a look.

Los Ranchos de Albuquerque, NM - August 2, 2025

4 Year CD National Average : 0.82% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.15%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.15% → 4.05% → 4.00% → 3.90% → 4.15%
Neil \| Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More
Merrick Bank	3.90%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.10% → 4.00% → 3.85% → 4.05% → 3.90%
Frank M \| Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More Reviews (2)
Vio Bank, A Division of MidFirst Bank	2.75%	$500	-	Learn More Add Review
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Citizens	2.75%	$5,000	-	Learn More Add Review
james \| Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More
Zions Bank Farmington Nm Br Branch	2.53%	$1,000	-	Learn More Add Review
Rate History: 3.05% → 2.53%
BOKF, National Association Belen Branch	1.55%	$100,000	-	Learn More
Aku \| May 29, 2020 Dua Read More Reviews (1)
The Citizens Bank of Clovis The Citizens Bank Of Clovis Branch	1.46%	$100,000	-	Learn More Add Review
The Citizens Bank of Clovis The Citizens Bank Of Clovis Branch	1.31%	$10,000	-	Learn More Add Review
Four Corners Community Bank Four Corners Community Bank Branch	1.25%	$10,000	-	Learn More
Unhappy customer definitely NOT THE BANK FOR ME! \| Sep 21, 2020 I am fed up with how poorly this bank is run. I have made deposit and given a receipt with the wrong amount more than once. I have received other customer's cancelled checks. The online bank site is a mess... Read More Reviews (1)
Southwest Capital Bank Southwest Capital Bank Branch	1.25%	$100,000	-	Learn More Add Review
BANK 34 Bank 34 Branch	1.20%	$10,000	-	Learn More
Adam Harrison \| Oct 11, 2017 Our experience was the worst. Our mortgage loan officer was Kathy Funke. That lady was so messed up. She literally drained my savings account to a negative status that I had to take a personal loan from a ... Read More Reviews (1)
First National Bank First National Bank Branch	1.10%	$10,000	-	Learn More Add Review
Southwest Capital Bank Southwest Capital Bank Branch	1.00%	$10,000	-	Learn More Add Review
Century Bank Espanola Branch	0.90%	$10,000	-	Learn More Add Review
American Heritage Bank American Heritage Bank Branch	0.90%	$100,000	-	Learn More Add Review
American Heritage Bank American Heritage Bank Branch	0.80%	$10,000	-	Learn More Add Review
First Savings Bank Deming Branch	0.80%	$10,000	-	Learn More
dionpayne \| Jun 28, 2017 showmefivethousanddollars Read More Reviews (1)
United Business Bank Albuquerque Br Branch	0.75%	$10,000	-	Learn More
Small Company \| Apr 9, 2020 I would stay away from this bank. It was much better run when it was Valley Community Bank, but went into the toilet when it was bought by Bay Commercial Bank. Their online banking terms and conditions cha... Read More Reviews (1)
Valley Bank of Commerce Valley Bank Of Commerce Branch	0.75%	$10,000	-	Learn More Add Review
City Bank City Bank Branch	0.70%	$10,000	-	Learn More Add Review
NBH Bank Taos Peoples Branch	0.70%	$10,000	-	Learn More Add Review
Centinel Bank of Taos Centinel Bank Of Taos Branch	0.60%	$10,000	-	Learn More Add Review
Lea County State Bank Lea County State Bank Branch	0.55%	$1,000	-	Learn More
Dinah T \| Apr 18, 2023 Worst bank ever!!!!!! If your an independent and not a commercial customer they don’t take care of you…..my family has been with LCSB for years and of course it is mostly commercial with my family memb... Read More Reviews (1)
First American Bank First American Bank Branch	0.55%	$10,000	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.50%	$1,000	-	Learn More Add Review
RTN1949 \| Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More
Main Bank Main Bank Branch	0.50%	$10,000	-	Learn More Add Review
First New Mexico Bank of Silver City First New Mexico Bank Of Silver City Branch	0.45%	$10,000	-	Learn More Add Review
First American Bank First American Bank Branch	0.45%	$10,000	-	Learn More Add Review
WestStar Bank Las Cruces Branch	0.40%	$100,000	-	Learn More Add Review
First American Bank First American Bank Branch	0.40%	$10,000	-	Learn More Add Review
WestStar Bank Las Cruces Branch	0.35%	$2,500	-	Learn More Add Review
InBank International Bank Branch	0.35%	$100,000	-	Learn More
Trujillo \| Nov 9, 2023 Unhappy with ATM on Southside. I.bank with wafd they closed. Told wsfd customers can get cash with card. Employees are very nosy with slanderous gossip. I'm treated like a criminal. That why I don't use i... Read More Reviews (1)
InBank International Bank Branch	0.30%	$10,000	-	Learn More
Trujillo \| Nov 9, 2023 Unhappy with ATM on Southside. I.bank with wafd they closed. Told wsfd customers can get cash with card. Employees are very nosy with slanderous gossip. I'm treated like a criminal. That why I don't use i... Read More Reviews (1)
Washington Federal Bank Rio Arriba Main Branch	0.25%	$1,000	-	Learn More
jim \| Sep 28, 2016 After looking around, looks like AlaskaUSA has the better current rate of 2 percent for 5 years. A little more can be obtained at Discover/AAA for a 10 year CD. Read More Reviews (2)
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
UtahJazz1 \| Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
wertlkgt \| Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More
First-Citizens Bank & Trust Company Albuquerque Branch	0.15%	$500	-	Learn More
MrBond \| Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More Reviews (3)
The James Polk Stone Community Bank The James Polk Stone Community Bank Branch	0.15%	$10,000	-	Learn More Add Review
U.S. Bank National Association Taos Main Branch	0.15%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
Bank of America, National Association Albuquerque Main Branch	0.03%	$100,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10116

Branch	Street	City	State
Zions Bank Farmington Nm Br Branch	2000 East 20th Street	Farmington	NM
BOKF, National Association Belen Branch	634 Becker Avenue	Belen	NM
The Citizens Bank of Clovis The Citizens Bank Of Clovis Branch	421 Pile Street	Clovis	NM
The Citizens Bank of Clovis The Citizens Bank Of Clovis Branch	421 Pile Street	Clovis	NM
Four Corners Community Bank Four Corners Community Bank Branch	500 W. Main Street, Suite 101	Farmington	NM
Southwest Capital Bank Southwest Capital Bank Branch	1410 Central Avenue Nw	Albuquerque	NM
Southwest Heritage Bank Bank 34 Branch	500 10th Street	Alamogordo	NM
First National Bank First National Bank Branch	414 Tenth Street	Alamogordo	NM
Southwest Capital Bank Southwest Capital Bank Branch	1410 Central Avenue Nw	Albuquerque	NM
Century Bank Espanola Branch	333 Riverside Drive	Espanola	NM
American Heritage Bank American Heritage Bank Branch	3300 N Prince St	Clovis	NM
American Heritage Bank American Heritage Bank Branch	3300 N Prince St	Clovis	NM
First Savings Bank Deming Branch	520 South Gold	Deming	NM
United Business Bank Albuquerque Br Branch	1500 Mercantile Ave, Ne	Albuquerque	NM
Valley Bank of Commerce Valley Bank Of Commerce Branch	217 West 2nd Street	Roswell	NM
City Bank City Bank Branch	1096 Mechem Drive	Ruidoso	NM
NBH Bank Taos Peoples Branch	1356 Paseo Del Pueblo Sur	Taos	NM
Centinel Bank of Taos Centinel Bank Of Taos Branch	512 Paseo Del Pueblo Sur	Taos	NM
Lea County State Bank Lea County State Bank Branch	1017 North Turner	Hobbs	NM
First American Bank First American Bank Branch	303 W Main Street	Artesia	NM
Main Bank Main Bank Branch	7300 Menaul Blvd, Ne	Albuquerque	NM
First New Mexico Bank of Silver City First New Mexico Bank Of Silver City Branch	1928 Hwy 180 East	Silver City	NM
First American Bank First American Bank Branch	303 W Main Street	Artesia	NM
WestStar Bank Las Cruces Branch	555 South Telshor Blvd., Suite 100a	Las Cruces	NM
First American Bank First American Bank Branch	303 W Main Street	Artesia	NM
WestStar Bank Las Cruces Branch	555 South Telshor Blvd., Suite 100a	Las Cruces	NM
InBank International Bank Branch	200 South 2nd Street	Raton	NM
InBank International Bank Branch	200 South 2nd Street	Raton	NM
Washington Federal Bank Rio Arriba Main Branch	1123 North Riverside Drive	Espanola	NM
First-Citizens Bank & Trust Company Albuquerque Branch	7300 Jefferson Street Northeast	Albuquerque	NM
The James Polk Stone Community Bank The James Polk Stone Community Bank Branch	109 East Second Street	Portales	NM
U.S. Bank National Association Taos Main Branch	120 West Plaza	Taos	NM
Bank of America, National Association Albuquerque Main Branch	303 Roma Avenue, N.W.	Albuquerque	NM

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PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Four year CDs are a longer-term CD and offer a fixed rate for 4 years in return for a commitment to keep the money in the bank for this period of time. While savers can withdraw the money (termed "breaking the CD") high penalties make this undesirable. Generally, an individual should not invest in a four year CD unless they are comfortable parting with the money for this period of time.

Safety

Four year CDs from FDIC insured banks are insured up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure. For this who remain within FDIC limits, the principal threat is inflation. The value of longer-term CDs are especially prone to be eaten away by inflation, especially if the CD is opened in a rising rate environment.

Interest

Four year CDs currently pay between .40-.60 percentage points more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years. To get a sense of rate trends, please visit our BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

4 year CDs provide a fixed rate for the term of the CD
The rate is higher than a savings account or a 1 year CD to compensate for the longer term.
Branch-opened CDs can be done quickly in one day.

Disadvantages of four year CDs

The saver's money is locked away for four years unless they want to break the CD and pay a penalty.
In a rising rate environment, inflation will reduce the value of the money in the CD over time.
Branch CDs require the saver to visit a branch and be subjected to cross-sell pitches and other marketing tactics.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

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Los Ranchos de Albuquerque, New Mexico CD Rates – 4-Year

Branches Info around zip 10116

PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Safety

Interest

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

Disadvantages of four year CDs

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