Best 5-Year CD Rates in Los Ranchos de Albuquerque, New Mexico, NM

You are viewing rates from banks across Los Ranchos de Albuquerque

Below are 5-year CD Rates from banks that are located in Los Ranchos de Albuquerque, { New Mexico}. Five Year Certificates of Deposit (CD) are generally the longest term CD that most banks will offer. They tend to offer the highest rates but require the longest commitment. Five year CDs are especially popular in a declining interest rate environment as depositors can lock money in at the highest rate possible for the longest period of time. They are also popular with depositors who are willing to lock up money for five years in return for extra yield.

Los Ranchos de Albuquerque, NM - August 2, 2025

5 Year CD National Average : 0.92% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.20%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 730 days interest. Rate History: 4.10% → 4.20% → 4.15% → 4.05% → 4.20%
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
TotalDirect, a division of City National Bank of Florida	4.00%	$25,000	-	Learn More Add Review
Rate History: 3.05% → 3.50% → 4.11% → 4.00%
79Thru \| Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More
Merrick Bank	3.95%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.15% → 4.10% → 3.95% → 4.05% → 3.95%
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)
Sallie Mae Bank	3.80%	$2,500	-	Learn More
Rate History: 4.00% → 3.85% → 3.75% → 3.80%
HAL1975 \| Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More Reviews (40)
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
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)
First National Bank First National Bank Branch	1.51%	$10,000	-	Learn More Add Review
Western Bank, Artesia, New Mexico Western Bank, Artesia, New Mexico Branch	1.51%	$10,000	-	Learn More Add Review
Southwest Capital Bank Southwest Capital Bank Branch	1.40%	$100,000	-	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)
BANK 34 Bank 34 Branch	1.25%	$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)
Southwest Capital Bank Southwest Capital Bank Branch	1.20%	$10,000	-	Learn More Add Review
Citizens Bank of Las Cruces Citizens Bank Of Las Cruces Branch	1.10%	$100,000	-	Learn More
badbusiness \| Feb 26, 2020 Recently closed my accounts with Citizens. Front line tellers very discourteous. Most of my transactions were deposits however, each check I tried to deposit required 2nd and supervisor approval. Not askin... Read More Reviews (1)
Citizens Bank of Las Cruces Citizens Bank Of Las Cruces Branch	1.05%	$1,000	-	Learn More
badbusiness \| Feb 26, 2020 Recently closed my accounts with Citizens. Front line tellers very discourteous. Most of my transactions were deposits however, each check I tried to deposit required 2nd and supervisor approval. Not askin... Read More Reviews (1)
United Business Bank Albuquerque Br Branch	1.01%	$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)
Bank of the Southwest Bank Of The Southwest Branch	1.00%	$10,000	-	Learn More Add Review
Century Bank Espanola Branch	1.00%	$10,000	-	Learn More Add Review
First National Bank Texas Roswell Banking Center Rc-915 Branch	1.00%	$100,000	-	Learn More Add Review
First Savings Bank Deming Branch	1.00%	$10,000	-	Learn More
dionpayne \| Jun 28, 2017 showmefivethousanddollars Read More Reviews (1)
First National Bank Texas Roswell Banking Center Rc-915 Branch	0.90%	$10,000	-	Learn More Add Review
NBH Bank Taos Peoples Branch	0.85%	$10,000	-	Learn More Add Review
Valley Bank of Commerce Valley Bank Of Commerce Branch	0.85%	$10,000	-	Learn More Add Review
City Bank City Bank Branch	0.75%	$10,000	-	Learn More Add Review
The Bank of Clovis The Bank Of Clovis Branch	0.75%	$10,000	-	Learn More Add Review
Centinel Bank of Taos Centinel Bank Of Taos Branch	0.70%	$10,000	-	Learn More Add Review
Pioneer Bank Pioneer Bank Branch	0.65%	$100,000	-	Learn More Add Review
First American Bank First American Bank Branch	0.65%	$10,000	-	Learn More Add Review
Main Bank Main Bank Branch	0.60%	$10,000	-	Learn More Add Review
Lea County State Bank Lea County State Bank Branch	0.60%	$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
Western Bank Western Bank Branch	0.51%	$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
First New Mexico Bank of Silver City First New Mexico Bank Of Silver City Branch	0.50%	$10,000	-	Learn More Add Review
First American Bank First American Bank Branch	0.50%	$10,000	-	Learn More Add Review
Pioneer Bank Pioneer Bank 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
U.S. Bank National Association Taos Main Branch	0.40% 0.25%	$1,000 $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)
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	0.30%	$10,000	-	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
The James Polk Stone Community Bank The James Polk Stone Community Bank Branch	0.15%	$10,000	-	Learn More Add Review
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)
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 10007

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
First National Bank First National Bank Branch	414 Tenth Street	Alamogordo	NM
Western Bank Western Bank, Artesia, New Mexico Branch	320 West Texas Avenue	Artesia	NM
Southwest Capital Bank Southwest Capital Bank Branch	1410 Central Avenue Nw	Albuquerque	NM
Four Corners Community Bank Four Corners Community Bank Branch	500 W. Main Street, Suite 101	Farmington	NM
Southwest Heritage Bank Bank 34 Branch	500 10th Street	Alamogordo	NM
Southwest Capital Bank Southwest Capital Bank Branch	1410 Central Avenue Nw	Albuquerque	NM
Citizens Bank of Las Cruces Citizens Bank Of Las Cruces Branch	505 S. Main Street	Las Cruces	NM
Citizens Bank of Las Cruces Citizens Bank Of Las Cruces Branch	505 S. Main Street	Las Cruces	NM
United Business Bank Albuquerque Br Branch	1500 Mercantile Ave, Ne	Albuquerque	NM
Bank of the Southwest Bank Of The Southwest Branch	226 North Main Street	Roswell	NM
Century Bank Espanola Branch	333 Riverside Drive	Espanola	NM
First National Bank Texas Roswell Banking Center Rc-915 Branch	4500 North Main Street	Roswell	NM
First Savings Bank Deming Branch	520 South Gold	Deming	NM
First National Bank Texas Roswell Banking Center Rc-915 Branch	4500 North Main Street	Roswell	NM
NBH Bank Taos Peoples Branch	1356 Paseo Del Pueblo Sur	Taos	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
The Bank of Clovis The Bank Of Clovis Branch	300 Main Street	Clovis	NM
Centinel Bank of Taos Centinel Bank Of Taos Branch	512 Paseo Del Pueblo Sur	Taos	NM
Pioneer Bank Pioneer Bank Branch	3000 North Main Street	Roswell	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
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
Western Bank Western Bank Branch	140 East Motel Drive	Lordsburg	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
Pioneer Bank Pioneer Bank Branch	3000 North Main Street	Roswell	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
U.S. Bank National Association Taos Main Branch	120 West Plaza	Taos	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
U.S. Bank National Association Taos Main Branch	120 West Plaza	Taos	NM
The James Polk Stone Community Bank The James Polk Stone Community Bank Branch	109 East Second Street	Portales	NM
First-Citizens Bank & Trust Company Albuquerque Branch	7300 Jefferson Street Northeast	Albuquerque	NM
Bank of America, National Association Albuquerque Main Branch	303 Roma Avenue, N.W.	Albuquerque	NM

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PRODUCT INFORMATION

Five Year CDs - Branch Banks 2025

Five-year CDs are the big kahuna of the CD world. While banks may offer six-year, seven-year, or even 10-year CDs, the five-year is the longest of the most commonly offered terms. The 5-year CD is therefore often the highest offer at your local bank. Therefore, the temptation for those looking for yield is to open one, deposit money, and forget about it for five years. This could be a mistake. In rising rate environments a five-year CD may not be a good investment.

Safety

Like every other CD term, five year CDs from FDIC insured banks are protected 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.

Inflation

The principle threat to a a five year CD is inflation. If the CD is opened in a low rate environment, and rates and inflation subsequently rise, then inflation will erode the value of the certificate of deposit over its five years. For example, if a depositor opened a five year CD in year 1 with a yield of 2.05% APY and inflation at 1.5%, then the real return is .55 percentage points. But if inflation rises the next year to 2.5% and stays there for the next four years, then the CD in real terms is losing money every year: 2.05% - 2.5% = -.45%.

While it is impossible for anyone to predict too far into the future, savers should be cognizant of the economic environment before locking up money for a five year time-period. Our rate analysis page provides some insight into where we think rates will go.

On the other hand, if rates are falling and will continue to do so for some time due to an economic recession then it makes sense to lock in a higher rate with a five year CD. Savers who opened five year CDs in 2008 immediately after the financial crisis were able to lock in rates in the 6% range, a great move considering two years later a five year CD paid below 3%.

Interest

Five-year CDs currently pay about 1.00% 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.

Opening a Five Year CD

Opening a five year CD in a branch is relatively easy and similar to every other CD term. Most banks require the customer be a resident of the United States and most branch-based banks ask that the account be opened in the bank. Funding can be performed by transferring money that is already located at that bank or by check or ACH transfer from another bank. The CD can be opened that day and the rate locked.

With longer term CDs, savers should make sure they put a record of the CD in a safe place and that if they move, they forward their new address to the bank. In cases where the bank cannot find the CD holder, the bank may hand the funds over to a state authority as a lost deposit, and it will require onerous paperwork to reclaim the money.

ADVANTAGES AND DISADVANTAGES OF FIVE YEAR CDs

Advantages of five year CDs

5 year CDs provide the highest rate of the common CD terms.
The return is fixed for five years, which is an advantage in a flat or falling rate environment.

Disadvantages of five year CDs

The money is locked away for five years and cannot be withdrawn without a substantial 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 – 5-Year

Branches Info around zip 10007

PRODUCT INFORMATION

Five Year CDs - Branch Banks 2025

Safety

Inflation

Interest

Opening a Five Year CD

ADVANTAGES AND DISADVANTAGES OF FIVE YEAR CDs

Advantages of five year CDs

Disadvantages of five year CDs

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