Century Bank (New Mexico) CD Rates — October 2026
As of October 22, 2026, Century Bank (New Mexico)'s highest tracked CD rate is 3.70% APY on an 11-month promotional CD ($1,000 minimum). That is 2.1 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 1.90% to 3.15% APY.
Tracking began .
Century Bank (New Mexico) CD rates
Promotional 3-month ($5,000 new money and a Century Bank checking account), 7- and 11-month CDs (checking account required), and standard fixed-rate CDs from 90 days to 5 years with a $1,000 minimum. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 90 days | 90 Day CD | $1,000 | 1.90% | −2.39% | Verified October 22, 2026 |
| 3 months | 3 Month CD Promotional | $5,000 | 3.65% | −0.65% | Top 19% of tracked 3-month CDs · Verified October 22, 2026 |
| 182 days | 182 Day CD | $1,000 | 3.15% | −1.25% | Verified October 22, 2026 |
| 7 months | 7 Month CD Promotional | $1,000 | 3.50% | −0.93% | Verified October 22, 2026 |
| 11 months | 11 Month CD Promotional | $1,000 | 3.70% | −0.84% | Verified October 22, 2026 |
| 12 months | 1 Year CD | $1,000 | 2.90% | −1.67% | Top 73% of tracked 12-month CDs · Verified October 22, 2026 |
| 24 months | 2 Year CD | $1,000 | 2.65% | −2.22% | Top 70% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | 3 Year CD | $1,000 | 2.15% | −2.80% | Top 75% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | 4 Year CD | $1,000 | 2.15% | −2.83% | Top 73% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | 5 Year CD | $1,000 | 2.15% | −2.86% | Top 75% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 3.70% APY (11 months). The standard rate for a similar term is 2.90% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $80 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Century Bank (New Mexico)'s best CD rates by term?
Century Bank (New Mexico)'s best rate is 3.70% APY on 11 months, verified October 22, 2026.
- 90 days1.90%
- 3 mo3.65%
- 182 days3.15%
- 7 mo3.50%
- 11 mo3.70%
- 12 mo2.90%
- 24 mo2.65%
- 36 mo2.15%
- 48 mo2.15%
- 60 mo2.15%
How much interest could a Century Bank (New Mexico) CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$339.08 interest · $10,339.08 at maturity on $10,000.00.
3.70% APY · 11 months · 11 Month CD · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 90 days | $23.261.90% APY · 90 Day CD · Standard | $46.521.90% APY · 90 Day CD · Standard | $116.291.90% APY · 90 Day CD · Standard | $232.591.90% APY · 90 Day CD · Standard |
| 3 months | $44.893.65% APY · 3 Month CD · Promotional | $89.783.65% APY · 3 Month CD · Promotional | $224.453.65% APY · 3 Month CD · Promotional | $448.903.65% APY · 3 Month CD · Promotional |
| 182 days | $77.923.15% APY · 182 Day CD · Standard | $155.853.15% APY · 182 Day CD · Standard | $389.623.15% APY · 182 Day CD · Standard | $779.243.15% APY · 182 Day CD · Standard |
| 7 months | $101.393.50% APY · 7 Month CD · Promotional | $202.783.50% APY · 7 Month CD · Promotional | $506.963.50% APY · 7 Month CD · Promotional | $1,013.913.50% APY · 7 Month CD · Promotional |
| 11 months | $169.543.70% APY · 11 Month CD · Promotional | $339.083.70% APY · 11 Month CD · Promotional | $847.703.70% APY · 11 Month CD · Promotional | $1,695.403.70% APY · 11 Month CD · Promotional |
| 12 months | $145.002.90% APY · 1 Year CD · Standard | $290.002.90% APY · 1 Year CD · Standard | $725.002.90% APY · 1 Year CD · Standard | $1,450.002.90% APY · 1 Year CD · Standard |
| 24 months | $268.512.65% APY · 2 Year CD · Standard | $537.022.65% APY · 2 Year CD · Standard | $1,342.562.65% APY · 2 Year CD · Standard | $2,685.112.65% APY · 2 Year CD · Standard |
| 36 months | $329.482.15% APY · 3 Year CD · Standard | $658.972.15% APY · 3 Year CD · Standard | $1,647.422.15% APY · 3 Year CD · Standard | $3,294.832.15% APY · 3 Year CD · Standard |
| 48 months | $444.072.15% APY · 4 Year CD · Standard | $888.132.15% APY · 4 Year CD · Standard | $2,220.342.15% APY · 4 Year CD · Standard | $4,440.672.15% APY · 4 Year CD · Standard |
| 60 months | $561.112.15% APY · 5 Year CD · Standard | $1,122.232.15% APY · 5 Year CD · Standard | $2,805.572.15% APY · 5 Year CD · Standard | $5,611.152.15% APY · 5 Year CD · Standard |
How Century Bank (New Mexico) compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 335-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 39 of 58 tracked institutions with fresh 335-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Century Bank (New Mexico) (this institution)11 Month CD · Promotional | 11 months | $1,000 | Branches in NM | 3.70% | October 22, 2026 |
| Capital OneSpecial 11-month 360 CD · Promotional | 11 months | Not stated | Available nationwide | 4.40% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 11 months | $2,500 | Available nationwide | 4.10% | October 22, 2026 |
| CIT BankNo-Penalty CD · Standard | 11 months | $1,000 | Available nationwide | 3.90% | October 22, 2026 |
| Happen Bank (highest tracked APY for this term)CD · Promotional | 11 months | $500 | Branches in CA, UT | 4.65% | October 22, 2026 |
| Treasury (APY-equivalent) | 11 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.54% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Century Bank (New Mexico) on October 22, 2026.
About Century Bank (New Mexico)
- Legal name
- Century Bank
- Regulator ID
- FDIC 28362
- Headquarters
- Santa Fe, NM
- Available in
- NM
- Total assets
- $1.4 billion
- Also known as
- Century Bank
- Website
- www.mycenturybank.com
Source: rates read from https://www.mycenturybank.com/personal-banking/rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Century Bank (New Mexico)?
Among the rates we track, 3.70% APY on an 11-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Century Bank (New Mexico) CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $5,000.
How does Century Bank (New Mexico)'s best CD rate compare with Treasury yields?
3.70% APY is −0.84% versus the 11-month Treasury yield of 4.54% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.70% a good CD rate?
It is 2.1 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Century Bank (New Mexico) CDs insured?
Century Bank (New Mexico) is an FDIC-insured bank (FDIC 28362). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Century Bank (New Mexico)'s rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Century Bank (New Mexico)'s website and may change at any time. Confirm terms, minimums and eligibility with Century Bank (New Mexico) before opening an account. This page is not financial advice.