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Learn More About share certificates and Money Market Accounts in Albuquerque, NM

At Rio Grande Credit Union, we want to make your money work for you. To maximize your savings and help you earn higher dividends, we offer a wide range of savings plans, including money market accounts and certificates of deposit for Albuquerque, NM residents.

What Are Share Certificates?

Share certificates, or certificates of deposit, are the ideal investment for savers who want to "set and forget" their savings. If you're certain that you won't need immediate access to your savings, try opening a share certificate. These certificates offer higher rates than traditional savings account, so you can earn interest more quickly.

RGCU offers two share certificate types: regular and jumbo.

  • Regular share certificates require a minimum deposit of $500.
  • Jumbo share certificates require a minimum deposit of $25,000.

Jumbo share certificates offer higher interest rates than regular share certificates, but they both compound dividends monthly. You can choose to transfer the dividends to your checking account or have them paid to you as a dividend check.

Terms run from 3 to 60 months, and early withdrawal penalties apply.

Discover More About Our Investors Club

Our Investors Club Account functions much like a money market account in Albuquerque, NM. It is the perfect way to invest your money and earn higher dividends on your larger balances while still having access to your money as needed. You can open an Investors Club Account when you deposit at least $25.

Need Help?

If you want to invest and you're not sure which option to choose, feel free to call our Member Resource Center at 505.262.1401. We'll be happy to guide you through the investment process and fit a program to your needs.


Terminology: A "dividend" is interest paid on deposits. A "share" refers to savings.

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