| Certificate of Deposit Choices |
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Share Certificates (CDs)
Our share certificates are available in terms from 3 months to 2 years. We strive to offer the best rates in Santa Fe. We even match rates from other local institutions! Open online through Home Banking »
- Best rates for long-term savings
- 3-month, 6-month, 12-month and 24-month terms available
- $500 minimum balance
- Higher rates for Royalty Club members
- Early withdrawal penalty applies
See current rates » |
Current Specials
These special terms are offered for a limited time only!
- 7-month and 13-month CDs available at premium rates for a balance of at least $1,000.00
- 18-month Direct Deposit Certificate: qualify for higher rates and a low minimum balance when you set up regular additions to this certificate through Direct Deposit or scheduled ACH electronic deposits.
- Early withdrawal penalty applies
See current rates » |
Youth Certificates
Savers age 18 and under qualify for a special 12-month Youth Certificate with a low minimum balance and the option to add additional deposits at any time. This is a great way for young members to earn the highest rate on their savings for college, a new car, senior class trip, or other long-term goal.
- Member must be 18 or under to qualify
- 12-month term
- $250.00 minimum opening balance
- New money can be added to the certificate at any time
- Early withdrawal penalty applies
See current rates » | |
Money Market
For members who maintain high balances but need quick access to their cash, our Money Market Account is a great fit. Tiered rates mean the more you save, the more you earn.
- Minimum balance: $1,000
- Tiered rates for higher balances (see current rates for details)
- Up to 3 free check withdrawals, or 6 total withdrawals/transfers in a month.
- Minimum withdrawal: $100
See current rates »
Premier Savings
Great dividend rates with few restrictions for high balance savings. Premier Savings offers our highest tiered rates for savings accounts.
- Minimum balance: $10,000
- Tiered rates for higher balances (see current rates for details)
- Up to 3 free check withdrawals, or 6 total withdrawals/transfers in a month.
- Minimum withdrawal: $1,000
See current rates » |
Individual Retirement Accounts (IRAs)
We make retirement planning easy with IRA options that let you earn the highest dividends we offer while keeping all of your accounts in one place. Visit our Learning Center for more information about how to choose and use an IRA at any stage of life.
IRA Club Savings
This is the perfect account if you’re just getting started, if you need time to build up the $500 minimum for an IRA Certificate, or to receive your mandatory distributions.
- $100 minimum balance
- Traditional and Roth options available (Which one should I choose?)
IRA Certificates
- Earn highest rates available
- $500 minimum balance
- 12-month, 18-month and 24-month terms available
- 18-month certificate allows additions of new money during the term
- Traditional and Roth options available (Which one should I choose?)
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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. 