Best 2-Year CD Rates in Los Ranchos de Albuquerque, New Mexico, NM

You are viewing rates from banks across Los Ranchos de Albuquerque

Below are two-year Certificates of Deposit (CD) rates from banks in Los Ranchos de Albuquerque, New Mexico. Two year CDs generally offer a higher rate than 1 year CDs but require a longer commitment. Depending on the economy, longer term CDs may or may not offer more premium as the term increases. If you expect rates on bank products to drop, can afford to lock the money away, and feel you are receiving enough premium for the time commitment, then longer-term CDs may be appropriate.

Los Ranchos de Albuquerque, NM - March 29, 2025

2 Year CD National Average : 0.66% ^?

Banks	APY	MIN	MILES ^?
Zions Bank	2.53%	$1,000	-	Learn More Add Review
Rate History: 3.05% → 2.53%
BOKF, National Association	1.55%	$100,000	-	Learn More
Rate History: 3.05% → 1.55%
Aku \| May 29, 2020 Dua Read More Reviews (1)
Four Corners Community Bank	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)
The Citizens Bank of Clovis	1.10%	$100,000	-	Learn More Add Review
BANK 34	1.01%	$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)
The Citizens Bank of Clovis	0.95%	$10,000	-	Learn More Add Review
Citizens Bank of Las Cruces	0.85%	$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	0.80%	$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)
Tucumcari Federal Savings and Loan Association	0.80%	$10,000	-	Learn More Add Review
Southwest Capital Bank	0.80%	$100,000	-	Learn More Add Review
Citizens Bank	0.75%	$10,000	-	Learn More Add Review
First National Bank	0.75%	$10,000	-	Learn More Add Review
Century Bank	0.70%	$10,000	-	Learn More Add Review
American Heritage Bank	0.70%	$100,000	-	Learn More Add Review
Western Bank, Artesia, New Mexico	0.70%	$10,000	-	Learn More Add Review
City Bank	0.60%	$10,000	-	Learn More Add Review
Southwest Capital Bank	0.60%	$10,000	-	Learn More Add Review
American Heritage Bank	0.60%	$10,000	-	Learn More Add Review
First National Bank Texas	0.55%	$100,000	-	Learn More Add Review
NBH Bank	0.50%	$10,000	-	Learn More Add Review
First National Bank Texas	0.50%	$10,000	-	Learn More Add Review
The Bank of Clovis	0.50%	$10,000	-	Learn More Add Review
First Savings Bank	0.50%	$10,000	-	Learn More
dionpayne \| Jun 28, 2017 showmefivethousanddollars Read More Reviews (1)
Valley Bank of Commerce	0.50%	$10,000	-	Learn More Add Review
Pioneer Bank	0.50%	$100,000	-	Learn More Add Review
First American Bank	0.50%	$10,000	-	Learn More Add Review
WestStar Bank	0.40%	$100,000	-	Learn More Add Review
First New Mexico Bank	0.40%	$10,000	-	Learn More Add Review
Bank of the Southwest	0.40%	$10,000	-	Learn More Add Review
United Business Bank	0.40%	$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)
First American Bank	0.40%	$10,000	-	Learn More Add Review
Lea County State Bank	0.40%	$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)
WestStar Bank	0.35%	$2,500	-	Learn More Add Review
InBank	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)
Main Bank	0.35%	$10,000	-	Learn More Add Review
Western Commerce Bank	0.35%	$1,000	-	Learn More Add Review
First American Bank	0.35%	$10,000	-	Learn More Add Review
Pioneer Bank	0.35%	$10,000	-	Learn More Add Review
First New Mexico Bank, Las Cruces	0.35%	$100,000	-	Learn More Add Review
First New Mexico Bank of Silver City	0.31%	$10,000	-	Learn More Add Review
InBank	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)
First New Mexico Bank, Las Cruces	0.30%	$10,000	-	Learn More Add Review
First American Bank	0.30%	$10,000	-	Learn More Add Review
Western Bank	0.28%	$10,000	-	Learn More Add Review
Centinel Bank of Taos	0.25%	$10,000	-	Learn More Add Review
Washington Federal Bank	0.20%	$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)
The James Polk Stone Community Bank	0.10%	$10,000	-	Learn More Add Review
First-Citizens Bank & Trust Company	0.05%	$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)
U.S. Bank National Association	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)
Bank of America, National Association	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.

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

Two Year CDs - Branch Banks 2025

Two year CDs, also know as 24 month CDs are an intermediate term product that commits a depositor to keeping their money in the bank for 24 months in return for a fixed rate of return during that period. All two year CDs shown on BestCashCow are FDIC insured.

While two year CDs commit a person to locking their money in for double the time of a 12 month CD, the rate is not double. As a result, a depositor should think about whether the extra rate is worth the extra time commitment.

In general, if rates are rising, it makes sense not to lock up money for an extended period of time.

If rates are falling, then it makes sense to put money into a longer-term instrument to lock-in a higher rate.

Many find opening CDs at local bank is often easier than online. In a branch, a depositor can sign CD documents and initiate a CD in person, and can often get it done faster than mailing a check or initiating a wire transfer in order to get their money to an online bank. Many also appreciate the opportunity to interact face to face with a real human being as opposed to by phone or instant messaging.

The advantages of a two year branch CD are:

A higher rate than 12 month CDs in return for leaving the money in the bank longer.
A fixed rate during the 24 month period.
A generally higher rate for the same term than what can be found in a branch-based bank.
FDIC insurance.
Convenience of opening and managing the CD online.

The disadvantages of a two year branch CDs are:

Rates are generally lower than on the top online savings and CD accounts.
Money is tied up for two years. Removing it early results in significant penalties.
Opening online can often take several days. Problems must be handled online or via the phone as there is no branch.

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 – 2-Year

PRODUCT INFORMATION

Two Year CDs - Branch Banks 2025

The advantages of a two year branch CD are:

The disadvantages of a two year branch CDs are:

SAVINGS & CD CALCULATOR

CD Products by State

CD Products by City in New Mexico

Download a Free eBook