Best 6-Month CD Rates in Los Ranchos de Albuquerque, New Mexico, NM

You are viewing rates from banks across Los Ranchos de Albuquerque

Below are the best six-month CD Rates from banks with branches in Los Ranchos de Albuquerque, New Mexico . Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

Los Ranchos de Albuquerque, NM - August 2, 2025

6 Month CD National Average : 0.41% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.40%	$10,000	-	Learn More Add Review
Rate History: 4.51% → 4.40% → 4.35% → 4.30% → 4.40%
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
Limelight Bank, A division of Capital Community Bank	4.35%	$1,000	-	Learn More Add Review
Rate History: 3.50% → 4.50% → 4.75% → 4.65% → 4.35%
Savvysaver \| Jun 26, 2020 Rate not current Read More
Merrick Bank	4.35%	$25,000	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.35% → 4.00% → 4.15% → 4.40% → 4.35%
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	4.15%	$2,500	-	Learn More
Rate History: 4.55% → 4.25% → 4.30% → 3.95% → 4.15%
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)
Bank of America, National Association Albuquerque Main Branch	3.75%	$10,000	-	Learn More
Rate History: 4.00% → 3.75%
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)
Zions Bank Farmington Nm Br Branch	3.05%	$1,000	-	Learn More Add Review
Rate History: 4.86% → 3.05%
BMO Alto, a division of Bank of Montreal Harris	3.00%	$0	-	Learn More Add Review
Rate History: 4.70% → 4.50% → 4.30% → 3.90% → 3.00%
Jenny Kingston \| Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More
BOKF, National Association Belen Branch	2.05%	$100,000	-	Learn More
Rate History: 0.15% → 2.55% → 2.45% → 2.30% → 2.05%
Aku \| May 29, 2020 Dua Read More Reviews (1)
Wells Fargo Bank, National Association Deming Branch	2.00%	$25,000	-	Learn More
Rate History: 2.50% → 2.51% → 2.01% → 2.00%
Thy King \| Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More Reviews (7)
The Citizens Bank of Clovis The Citizens Bank Of Clovis Branch	0.70%	$100,000	-	Learn More Add Review
Tucumcari Federal Savings and Loan Association Tucumcari Federal Savings And Loan A Branch	0.60%	$10,000	-	Learn More Add Review
Citizens Bank Tucumcari Branch	0.60%	$10,000	-	Learn More Add Review
The Citizens Bank of Clovis The Citizens Bank Of Clovis Branch	0.60%	$10,000	-	Learn More Add Review
First National Bank First National Bank Branch	0.45%	$10,000	-	Learn More Add Review
BANK 34 Bank 34 Branch	0.45%	$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)
Citizens Bank of Las Cruces Citizens Bank Of Las Cruces Branch	0.40%	$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)
American Heritage Bank American Heritage Bank Branch	0.40%	$100,000	-	Learn More Add Review
Citizens Bank of Las Cruces Citizens Bank Of Las Cruces Branch	0.35%	$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)
WestStar Bank Las Cruces Branch	0.35%	$100,000	-	Learn More Add Review
Southwest Capital Bank Southwest Capital Bank Branch	0.35%	$100,000	-	Learn More Add Review
United Business Bank Albuquerque Br Branch	0.35%	$100,000	-	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)
Western Bank, Artesia, New Mexico Western Bank, Artesia, New Mexico Branch	0.35%	$10,000	-	Learn More Add Review
WestStar Bank Las Cruces Branch	0.30%	$10,000	-	Learn More Add Review
The Bank of Clovis The Bank Of Clovis Branch	0.30%	$10,000	-	Learn More Add Review
American Heritage Bank American Heritage Bank Branch	0.30%	$10,000	-	Learn More Add Review
First American Bank First American Bank Branch	0.30%	$10,000	-	Learn More Add Review
Lea County State Bank Lea County State Bank Branch	0.25%	$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)
Century Bank Espanola Branch	0.25%	$10,000	-	Learn More Add Review
First National Bank Texas Roswell Banking Center Rc-915 Branch	0.25%	$100,000	-	Learn More Add Review
InBank International Bank Branch	0.25%	$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)
United Business Bank Albuquerque Br Branch	0.25%	$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)
Main Bank Main Bank Branch	0.25%	$10,000	-	Learn More Add Review
First American Bank First American Bank Branch	0.25%	$10,000	-	Learn More Add Review
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
City Bank City Bank Branch	0.20%	$10,000	-	Learn More Add Review
Bank of the Southwest Bank Of The Southwest Branch	0.20%	$10,000	-	Learn More Add Review
First National Bank Texas Roswell Banking Center Rc-915 Branch	0.20%	$10,000	-	Learn More Add Review
InBank International Bank Branch	0.20%	$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)
First Savings Bank Deming Branch	0.20%	$10,000	-	Learn More
dionpayne \| Jun 28, 2017 showmefivethousanddollars Read More Reviews (1)
First American Bank First American Bank Branch	0.20%	$10,000	-	Learn More Add Review
Valley Bank of Commerce Valley Bank Of Commerce Branch	0.20%	$10,000	-	Learn More Add Review
Pioneer Bank Pioneer Bank Branch	0.20%	$100,000	-	Learn More Add Review
Purepoint MUFG Union	0.15%	$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
Washington Federal Bank Rio Arriba Main Branch	0.15%	$1,000	-	Learn More
Rate History: 0.15% → 0.15%
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)
First New Mexico Bank First New Mexico Bank Branch	0.15%	$10,000	-	Learn More Add Review
NBH Bank Taos Peoples Branch	0.15%	$10,000	-	Learn More Add Review
Southwest Capital Bank Southwest Capital Bank Branch	0.15%	$10,000	-	Learn More Add Review
Western Commerce Bank Lovington Main Branch	0.15%	$1,000	-	Learn More Add Review
First New Mexico Bank of Silver City First New Mexico Bank Of Silver City Branch	0.15%	$10,000	-	Learn More Add Review
Pioneer Bank Pioneer Bank Branch	0.15%	$10,000	-	Learn More Add Review
First New Mexico Bank, Las Cruces First New Mexico Bank, Las Cruces Branch	0.14%	$10,000	-	Learn More Add Review
Western Bank Western Bank Branch	0.13%	$10,000	-	Learn More Add Review
Four Corners Community Bank Four Corners Community Bank Branch	0.10%	$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)
Centinel Bank of Taos Centinel Bank Of Taos Branch	0.05%	$10,000	-	Learn More Add Review
U.S. Bank National Association Taos Main Branch	0.05%	$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)
The James Polk Stone Community Bank The James Polk Stone Community Bank Branch	0.03%	$10,000	-	Learn More Add Review
First-Citizens Bank & Trust Company Albuquerque Branch	0.01%	$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)

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
Bank of America, National Association Albuquerque Main Branch	303 Roma Avenue, N.W.	Albuquerque	NM
Zions Bank Farmington Nm Br Branch	2000 East 20th Street	Farmington	NM
BOKF, National Association Belen Branch	634 Becker Avenue	Belen	NM
Wells Fargo Bank, National Association Deming Branch	223 South Gold Avenue	Deming	NM
The Citizens Bank of Clovis The Citizens Bank Of Clovis Branch	421 Pile Street	Clovis	NM
Tucumcari Federal Savings and Loan Association Tucumcari Federal Savings And Loan A Branch	301 S First St	Tucumcari	NM
Citizens Bank Tucumcari Branch	211 East Main Street	Tucumcari	NM
The Citizens Bank of Clovis The Citizens Bank Of Clovis Branch	421 Pile Street	Clovis	NM
First National Bank First National Bank Branch	414 Tenth Street	Alamogordo	NM
Southwest Heritage Bank Bank 34 Branch	500 10th Street	Alamogordo	NM
Citizens Bank of Las Cruces Citizens Bank Of Las Cruces Branch	505 S. Main Street	Las Cruces	NM
American Heritage Bank American Heritage Bank Branch	3300 N Prince St	Clovis	NM
Citizens Bank of Las Cruces Citizens Bank Of Las Cruces Branch	505 S. Main Street	Las Cruces	NM
WestStar Bank Las Cruces Branch	555 South Telshor Blvd., Suite 100a	Las Cruces	NM
Southwest Capital Bank Southwest Capital Bank Branch	1410 Central Avenue Nw	Albuquerque	NM
United Business Bank Albuquerque Br Branch	1500 Mercantile Ave, Ne	Albuquerque	NM
Western Bank Western Bank, Artesia, New Mexico Branch	320 West Texas Avenue	Artesia	NM
WestStar Bank Las Cruces Branch	555 South Telshor Blvd., Suite 100a	Las Cruces	NM
The Bank of Clovis The Bank Of Clovis Branch	300 Main Street	Clovis	NM
American Heritage Bank American Heritage Bank Branch	3300 N Prince St	Clovis	NM
First American Bank First American Bank Branch	303 W Main Street	Artesia	NM
Lea County State Bank Lea County State Bank Branch	1017 North Turner	Hobbs	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
InBank International Bank Branch	200 South 2nd Street	Raton	NM
United Business Bank Albuquerque Br Branch	1500 Mercantile Ave, Ne	Albuquerque	NM
Main Bank Main Bank Branch	7300 Menaul Blvd, Ne	Albuquerque	NM
First American Bank First American Bank Branch	303 W Main Street	Artesia	NM
City Bank City Bank Branch	1096 Mechem Drive	Ruidoso	NM
Bank of the Southwest Bank Of The Southwest Branch	226 North Main Street	Roswell	NM
First National Bank Texas Roswell Banking Center Rc-915 Branch	4500 North Main Street	Roswell	NM
InBank International Bank Branch	200 South 2nd Street	Raton	NM
First Savings Bank Deming Branch	520 South Gold	Deming	NM
First American Bank First American Bank Branch	303 W Main Street	Artesia	NM
Valley Bank of Commerce Valley Bank Of Commerce Branch	217 West 2nd Street	Roswell	NM
Pioneer Bank Pioneer Bank Branch	3000 North Main Street	Roswell	NM
Washington Federal Bank Rio Arriba Main Branch	1123 North Riverside Drive	Espanola	NM
First New Mexico Bank First New Mexico Bank Branch	300 South Gold Avenue	Deming	NM
NBH Bank Taos Peoples Branch	1356 Paseo Del Pueblo Sur	Taos	NM
Southwest Capital Bank Southwest Capital Bank Branch	1410 Central Avenue Nw	Albuquerque	NM
Western Commerce Bank Lovington Main Branch	18 West Adams Street	Lovington	NM
First New Mexico Bank of Silver City First New Mexico Bank Of Silver City Branch	1928 Hwy 180 East	Silver City	NM
Pioneer Bank Pioneer Bank Branch	3000 North Main Street	Roswell	NM
First New Mexico Bank, Las Cruces First New Mexico Bank, Las Cruces Branch	3000 East Lohman Avenue	Las Cruces	NM
Western Bank Western Bank Branch	140 East Motel Drive	Lordsburg	NM
Four Corners Community Bank Four Corners Community Bank Branch	500 W. Main Street, Suite 101	Farmington	NM
Centinel Bank of Taos Centinel Bank Of Taos Branch	512 Paseo Del Pueblo Sur	Taos	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

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PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2025

Six month certificates of deposit (CDs) provide depositors with a short term vehicle for keeping money safe and earning interest. With a six month CD, depositors agree to leave their money in the account for six months in return for a fixed rate of interest over this period. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

In general, almost all brick-and-mortar banks provide CDs to their consumers. Opening one involves taking a trip to the branch although some banks allow CDs to be opened via the phone or online. In general, local banks discourage depositors from out-of-state to open accounts, although this is not a hard rule and if you see an attractive rate from a bank in another state, it is worth investigating the account opening policy. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

The advantages of six month CDs opened via a traditional bank are:

Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
CDs provide a predictable, set rate of return.
Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of six month CDs are:

Six month CDs currently pay interest rates significantly below many online and branch-based savings and money market accounts.
The deposited money is committed for six months.
Six month CDs from traditional banks often pay less interest than from online banks.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

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 – 6-Month

Branches Info around zip 10007

PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2025

The advantages of six month CDs opened via a traditional bank are:

The disadvantages of six month CDs are:

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