Otero rates: up to 4.20% APY
credit union · NCUA CHARTER 8475 · www.oterofcu.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Regular Savings | 0.15% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| New Share / IRA Certificates | 6 months | 3.55% | APY | 2026-11-01 | since 2026-11-01 | |
| Rates for New Share / IRA Certificates | 6 months | 3.55% | APY | 2026-11-01 | since 2026-11-01 | |
| New Share / IRA Certificates | 12 months | 3.65% | APY | 2026-11-01 | since 2026-11-01 | |
| Rates for New Share / IRA Certificates | 12 months | 3.65% | APY | 2026-11-01 | since 2026-11-01 | |
| New Share / IRA Certificates | 18 months | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Rates for New Share / IRA Certificates | 18 months | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| New Share / IRA Certificates | 24 months | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| Rates for New Share / IRA Certificates | 24 months | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| New Share / IRA Certificates | 36 months | 3.95% | APY | 2026-11-01 | since 2026-11-01 | |
| Rates for New Share / IRA Certificates | 36 months | 3.95% | APY | 2026-11-01 | since 2026-11-01 | |
| New Share / IRA Certificates | 48 months | 4.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Rates for New Share / IRA Certificates | 48 months | 4.10% | APY | 2026-11-01 | since 2026-11-01 | |
| New Share / IRA Certificates | 60 months | 4.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Rates for New Share / IRA Certificates | 60 months | 4.20% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Account | $0 to $2,499.99 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $2,500 to $24,999.99 | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $25,000 to $49,999.99 | 1.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $50,000 to $99,999.99 | 1.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $100,000 to $249,999.99 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $250,000 and up | 2.25% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Checking Account | 0.00% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.oterofcu.org/rates-fees/share-rates/ | 2026-11-02 03:33 UTC | ok | 7d8316d8da33 |
| www.oterofcu.org/accounts/investments/ | 2026-11-02 03:33 UTC | ok | 3458c666dc53 |