Business Details
Your Trusted Financial Partner in Las Cruces, NM
As a member-owned, not-for-profit financial cooperative, we prioritize our members' needs above all else. Our commitment to community service and member satisfaction drives every decision we make. Founded on the principle of 'Not for profit, not for charity, but for service,' we operate across two states and four communities, offering competitively priced financial products tailored to our diverse membership. By maintaining a member-centric approach, we ensure our clients receive personalized attention and innovative solutions that meet their evolving financial needs.Our core values of community involvement, honesty, respect, and dedication guide our operations and foster long-term relationships with our members. Through profit-sharing dividends and a focus on financial education, we empower our members to achieve their goals while maintaining the highest standards of integrity and transparency.
Services
Auto Loans
Mortgages
Personal Loans
Credit Cards
Savings Accounts
IRAs
Mobile Banking
ATM Services
Student Loans
RV Loans
Highlights and features
- We operate as a member-owned financial cooperative with community-focused values
- Our competitive loan rates include specialized options for vehicles, mortgages, and personal needs
- We provide 24/7 telephone banking and surcharge-free access to 55,000 ATMs nationwide
- Our financial education programs support members at every life stage
- We maintain transparent fee structures and member-centric service policies
Services
Auto Loans
We offer competitive auto loan options for new, used, and refinanced vehicles including cars, trucks, and motorcycles. Our rates start as low as 4.59% APR* based on creditworthiness. These loans help members achieve reliable transportation while maintaining affordable monthly payments.
Mortgages
Our mortgage programs provide financing solutions for primary residences, investment properties, and dream homes. With rates starting at 4.59% APR* for 30-year terms, we help members navigate the home buying process with personalized guidance and competitive terms.
Personal Loans
Flexible personal loan options start at 4.59% APR* for both secured and unsecured needs. These loans address various financial requirements including debt consolidation, emergency expenses, and special projects with transparent fee structures and fixed repayment terms.
Credit Cards
We provide multiple credit card options tailored to different spending habits and financial goals. Our cards feature competitive rates, rewards programs, and security features while maintaining member-focused terms and responsible credit-building opportunities.
Savings Accounts
Our savings solutions include traditional accounts, IRAs, and youth programs designed to help members grow their money safely. These accounts offer tiered interest rates, financial education resources, and convenient access through digital banking platforms.
Questions
How can I become a member?
Membership requires living, working, or worshiping in specific New Mexico and Texas counties. Immediate family members of existing members also qualify for membership.
What loan types do you offer?
We provide auto loans, mortgages, personal loans, RV loans, credit cards, and student loans with competitive rates starting at 4.59% APR*.
Are there ATM fees?
Members access 55,000 surcharge-free ATMs nationwide through the Allpoint network while maintaining free online and mobile banking services.
Do you offer 24/7 banking access?
Yes, our telephone banking system operates 24/7, and mobile banking apps provide round-the-clock account management capabilities.
What community programs exist?
We support local organizations through donations, sponsorships, and financial education programs focusing on youth development and community improvement initiatives.
How do I report a lost card?
Contact our fraud department immediately at 1 (800) 472-3272 for lost or stolen Visa debit cards during business hours or 1 (833) 735-1894 after hours.