Best 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 one-year CD Rates from banks in Los Ranchos de Albuquerque, New Mexico. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

Los Ranchos de Albuquerque, NM - July 31, 2025

1 Year CD National Average : 0.55% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.40%	$10,000	-	Learn More Add Review
Warning: Early Withdrawal Penalty is 270 days interest. Rate History: 4.50% → 4.40% → 4.30% → 4.25% → 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
TotalDirect, a division of City National Bank of Florida	4.25%	$25,000	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 5.35% → 4.50% → 4.46% → 4.41% → 4.25%
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
Limelight Bank, A division of Capital Community Bank	4.25%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.90% → 4.75% → 4.50% → 4.40% → 4.25%
Savvysaver \| Jun 26, 2020 Rate not current Read More
Sallie Mae Bank	4.20%	$2,500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.10% → 4.00% → 4.25% → 4.40% → 4.20%
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	3.85%	$500	-	Learn More Add Review
Rate History: 4.20% → 4.00% → 4.15% → 4.00% → 3.85%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Bank of America, National Association Albuquerque Main Branch	3.25%	$100,000	-	Learn More
Rate History: 3.75% → 4.25% → 3.75% → 3.51% → 3.25%
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: 4.76% → 3.05%
BMO Alto, a division of Bank of Montreal Harris	3.00%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.50% → 4.30% → 4.20% → 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
Wells Fargo Bank, National Association Deming Branch	2.00%	$25,000	-	Learn More
Rate History: 2.00% → 1.50% → 3.25% → 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	0.90%	$100,000	-	Learn More Add Review
Four Corners Community Bank Four Corners Community Bank Branch	0.75%	$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)
The Citizens Bank of Clovis The Citizens Bank Of Clovis Branch	0.75%	$10,000	-	Learn More Add Review
BANK 34 Bank 34 Branch	0.75%	$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)
Tucumcari Federal Savings and Loan Association Tucumcari Federal Savings And Loan A Branch	0.70%	$10,000	-	Learn More Add Review
Citizens Bank Tucumcari Branch	0.70%	$10,000	-	Learn More Add Review
Citizens Bank of Las Cruces Citizens Bank Of Las Cruces Branch	0.60%	$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)
Century Bank Espanola Branch	0.60%	$10,000	-	Learn More Add Review
First National Bank First National Bank Branch	0.60%	$10,000	-	Learn More Add Review
Citizens Bank of Las Cruces Citizens Bank Of Las Cruces Branch	0.55%	$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)
Western Bank, Artesia, New Mexico Western Bank, Artesia, New Mexico Branch	0.55%	$10,000	-	Learn More Add Review
Southwest Capital Bank Southwest Capital Bank Branch	0.52%	$100,000	-	Learn More Add Review
City Bank City Bank Branch	0.50%	$10,000	-	Learn More Add Review
American Heritage Bank American Heritage Bank Branch	0.50%	$100,000	-	Learn More Add Review
WestStar Bank Las Cruces Branch	0.40%	$100,000	-	Learn More Add Review
The Bank of Clovis The Bank Of Clovis Branch	0.40%	$10,000	-	Learn More Add Review
American Heritage Bank American Heritage Bank Branch	0.40%	$10,000	-	Learn More Add Review
Pioneer Bank Pioneer Bank 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
First New Mexico Bank First New Mexico Bank Branch	0.35%	$10,000	-	Learn More Add Review
First National Bank Texas Roswell Banking Center Rc-915 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)
First Savings Bank Deming Branch	0.35%	$10,000	-	Learn More
dionpayne \| Jun 28, 2017 showmefivethousanddollars Read More Reviews (1)
Southwest Capital Bank Southwest Capital Bank Branch	0.32%	$10,000	-	Learn More Add Review
NBH Bank Taos Peoples Branch	0.30%	$10,000	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.30%	$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
Lea County State Bank Lea County State Bank Branch	0.30%	$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)
Valley Bank of Commerce Valley Bank Of Commerce Branch	0.30%	$10,000	-	Learn More Add Review
First American Bank First American Bank Branch	0.30%	$10,000	-	Learn More Add Review
First New Mexico Bank, Las Cruces First New Mexico Bank, Las Cruces Branch	0.30%	$100,000	-	Learn More Add Review
Main Bank Main Bank Branch	0.27%	$10,000	-	Learn More Add Review
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 181 days interest.
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
Bank of the Southwest Bank Of The Southwest Branch	0.25%	$10,000	-	Learn More Add Review
First National Bank Texas Roswell Banking Center Rc-915 Branch	0.25%	$10,000	-	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)
Western Commerce Bank Lovington Main Branch	0.25%	$1,000	-	Learn More Add Review
First New Mexico Bank of Silver City First New Mexico Bank Of Silver City Branch	0.25%	$10,000	-	Learn More Add Review
Pioneer Bank Pioneer Bank Branch	0.25%	$10,000	-	Learn More Add Review
First New Mexico Bank, Las Cruces First New Mexico Bank, Las Cruces 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
Washington Federal Bank Rio Arriba Main Branch	0.20%	$1,000	-	Learn More
Rate History: 0.20% → 0.20%
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)
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 American Bank First American Bank Branch	0.20%	$10,000	-	Learn More Add Review
Western Bank Western Bank Branch	0.18%	$10,000	-	Learn More Add Review
Banco Bilbao Vizcaya Argenteria	0.15%	$500	-	Learn More Add Review
The Duffster \| May 21, 2018 I wish I had never heard of or seen BBVA. It has been a disaster. Came to this site to find something else. Read More
BOKF, National Association Belen Branch	0.15%	$100,000	-	Learn More
Aku \| May 29, 2020 Dua Read More Reviews (1)
Centinel Bank of Taos Centinel Bank Of Taos Branch	0.15%	$10,000	-	Learn More Add Review
The James Polk Stone Community Bank The James Polk Stone Community Bank 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)
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
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
Four Corners Community Bank Four Corners Community Bank Branch	500 W. Main Street, Suite 101	Farmington	NM
The Citizens Bank of Clovis The Citizens Bank Of Clovis Branch	421 Pile Street	Clovis	NM
Southwest Heritage Bank Bank 34 Branch	500 10th Street	Alamogordo	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
Citizens Bank of Las Cruces Citizens Bank Of Las Cruces Branch	505 S. Main Street	Las Cruces	NM
Century Bank Espanola Branch	333 Riverside Drive	Espanola	NM
First National Bank First National Bank Branch	414 Tenth Street	Alamogordo	NM
Citizens Bank of Las Cruces Citizens Bank Of Las Cruces Branch	505 S. Main Street	Las Cruces	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
City Bank City Bank Branch	1096 Mechem Drive	Ruidoso	NM
American Heritage Bank American Heritage Bank Branch	3300 N Prince St	Clovis	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
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
First New Mexico Bank First New Mexico Bank Branch	300 South Gold Avenue	Deming	NM
First National Bank Texas Roswell Banking Center Rc-915 Branch	4500 North Main Street	Roswell	NM
United Business Bank Albuquerque Br Branch	1500 Mercantile Ave, Ne	Albuquerque	NM
First Savings Bank Deming Branch	520 South Gold	Deming	NM
Southwest Capital Bank Southwest Capital Bank Branch	1410 Central Avenue Nw	Albuquerque	NM
NBH Bank Taos Peoples Branch	1356 Paseo Del Pueblo Sur	Taos	NM
Lea County State Bank Lea County State Bank Branch	1017 North Turner	Hobbs	NM
Valley Bank of Commerce Valley Bank Of Commerce Branch	217 West 2nd Street	Roswell	NM
First American Bank First American Bank Branch	303 W Main Street	Artesia	NM
First New Mexico Bank, Las Cruces First New Mexico Bank, Las Cruces Branch	3000 East Lohman Avenue	Las Cruces	NM
Main Bank Main Bank Branch	7300 Menaul Blvd, Ne	Albuquerque	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
United Business Bank Albuquerque Br Branch	1500 Mercantile Ave, Ne	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
Washington Federal Bank Rio Arriba Main Branch	1123 North Riverside Drive	Espanola	NM
InBank International Bank Branch	200 South 2nd Street	Raton	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
BOKF, National Association Belen Branch	634 Becker Avenue	Belen	NM
Centinel Bank of Taos Centinel Bank Of Taos Branch	512 Paseo Del Pueblo Sur	Taos	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
First-Citizens Bank & Trust Company Albuquerque Branch	7300 Jefferson Street Northeast	Albuquerque	NM

See rates for Online Banks →

See rates for Credit Unions →

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2025

A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

CD Terms

The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years. The term that is right for each individual depends on their goals, the rate they which to earn, and their future plans for the money. In general, if rates are going up, savers should avoid putting the money into a long-term CD. If rates are going down, then the opposite is true, and savers should try and lock into a good rate for an extended period of time. In stable rate environments, CDs that are over 12 months in length can enable depositors to pick up a slight premium over savings accounts.

CD Risk

Almost all banks provide CDs to their consumers and they have been a mainstay of savers and retirement accounts for years. If FDIC insured, the CD represents a safe place to put money that will generate a predictable return.

Inflation is the main risk of a CD. Inflation can often run higher than the inflation adjusted return on a CD, thus eroding the value of the money stored in the CD over time. This is especially true for longer-term CDs opened in low interest rate environments.

How Interest is Paid

The method of distributing the interest earned on a CD varies by bank. Some banks pay interest monthly, other semi-annually, and others at the maturity of the CD. One advantage of a branch-based bank is that a depositor can walk into the bank and receive their interest that day in the form of a check. Online banks tend to use electronic funds transfer or check via mail.

Interest Rate

Since the financial crisis in 2008, CDs have become less popular because the yields they offer have dropped precipitously, making it difficult for retirees and savers to generate sufficient income. But investors looking for a place to stash some cash might still find CDs an attractive place for some of their savings. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

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.

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch 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 branch-based CDs are:

The deposited money is committed for a certain period of time and can only be withdrawn with substantial penalties.
One year CDs from branch banks often pay less interest than from online banks. Please see those rates here.

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.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates

Cash Savings

Product:

Average Rate:

Best Rate:

Years at Rate:

Tax Rate:

CD Products by State

CD Products by City in New Mexico

CD Resources

Download a Free eBook

Bank On It:
The No Risk Way To Boost Your Savings

Download

BestCashCow
Guide To Credit Card Travel Rewards

Download

65 Questions to Ask before Choosing a CD

Download

The Insider's Guide
to
Mortgages

Download

Plan and Optimize Your Finances

Los Ranchos de Albuquerque, New Mexico CD Rates

Branches Info around zip 10007

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2025

CD Terms

CD Risk

How Interest is Paid

Interest Rate

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch bank are:

The disadvantages of branch-based CDs are:

SAVINGS & CD CALCULATOR

CD Products by State

CD Products by City in New Mexico

Download a Free eBook