Eddy Credit Union Carlsbad NM | Reliable ATM Services & More

Introduction

Welcome to Eddy, your trusted financial partner located at 1711 S Canal St, Carlsbad, NM 88220. Established in 1954, we have proudly served our community for decades, helping over 4,955 members achieve their financial goals. With total assets amounting to an impressive $56,358,330, we are dedicated to providing exceptional service and competitive rates that empower our members. At Eddy Federal Credit Union, we believe in making a positive impact on the lives of our members. Whether you're looking for a new vehicle loan or saving for future dreams, our personalized services cater to your unique needs. Our total loans stand at 2,215, reflecting our commitment to supporting you every step of the way. We know that financial decisions can be daunting. That's why our experienced team, led by CEO Donna Davis and Board President Brian Santo, is here to guide you through the process with care and expertise. We pride ourselves on being more than just a credit union; we are a vital part of the Carlsbad community. While you can reach us directly at (575) 887-1784, for any official correspondence, please send it to our mailing address at 909 W Pierce St, Carlsbad, NM 88220-6533. Join us today and discover how Eddy Federal Credit Union can help you navigate your financial journey with confidence! Visit us online at eddyfederalcu.com or call us now to learn more about what we offer.

Branch History & Mission

Join Us

As we look towards the future, we invite you to be part of our journey at Eddy Federal Credit Union. Experience the benefits of membership firsthand whether through our comprehensive online banking options or personalized service in our branch. Together, let's build a stronger financial future for you and your family! To learn more about becoming a member or opening an account, visit us at Eddy Federal Credit Union today!

Our Mission

The mission of Eddy Federal Credit Union is simple yet profound: we strive to enhance the financial lives of our members through reliable services and community engagement. We believe in empowering individuals by offering a range of financial products tailored to their unique needs. Whether it's saving for a home or financing education, we're here every step of the way. We understand that being part of a community means more than just providing loans and accounts; it means giving back. Through various outreach programs and partnerships with local organizations, we aim to uplift those around us. We actively participate in initiatives that promote financial literacy and support local events that strengthen community ties. While members can visit us at 1711 S Canal St Carlsbad Nm 88220, official correspondence should be sent to 909 W Pierce St, Carlsbad, NM 88220-6533 if you need to reach out via mail. Our team is available from 8:30 AM to 5:30 PM Monday through Friday, ready to assist you with any inquiries or services you may need.

Branch Location & Accessibility

Accessibility and Features

At Eddy Federal Credit Union, we prioritize accessibility for all our members. Our branch is ADA compliant, ensuring that everyone can navigate easily with features like ramps and designated parking spaces. We strive to provide a welcoming environment for every visitor.

Contact Us

If you have any questions or need assistance before visiting us, feel free to give us a call at 575-887-1784. We look forward to welcoming you into our Eddy Federal Credit Union family!

Operating Hours and Services

We understand that life gets busy. That's why our lobby hours are designed to fit your schedule join us from 8:30 AM to 5:30 PM, Monday through Friday. While we currently do not have ATM services or drive-thru banking available at this location, our friendly staff is always ready to assist you in person. Whether you're looking to open an account or discuss loan options, our team is here to help make your banking experience smooth and enjoyable.

Member Eligibility

Becoming a member of Eddy feels like joining a close-knit community that genuinely cares about your financial well-being. If you're wondering how to step into this supportive environment, it's quite simple! Generally, anyone who lives, works, or worships in the area can join us. Whether you're looking for a place to save, borrow, or simply have financial questions answered, we welcome you with open arms. For more specific details on eligibility criteria, feel free to check out our resource page at . Once you're ready to take the next step, opening an account is a breeze. Just visit our account opening page at https://efcu-dn.financial-net.com/web/enrollment , and you'll find everything you need to get started. If you have any questions or need assistance along the way, don't hesitate to give us a call at (575) 887-1784. We're here to help you every step of the way as you embark on this rewarding journey with us at Eddy!

Business Banking & Commercial Services

Lending Solutions for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Practical Merchant Services

In addition to loans, we offer essential merchant services that simplify payment processing. Imagine being able to accept payments easily, whether in-store or online. Our solutions help streamline transactions so you can focus more on running your business rather than worrying about cash flow. Visit us at 1711 S Canal St Carlsbad Nm 88220 in Carlsbad, NM or call us at (575) 887-1784 to learn how our business banking and commercial services can help you achieve your goals.

Comprehensive List Of Services

Banking Made Easy

We know that convenience is key when it comes to banking. That's why we offer ATM services for those on the go. Imagine needing cash for a last-minute purchase or wanting to check your balance while out running errands; our ATM services ensure you have access when you need it most.

Digital Features for Modern Needs

In today's fast-paced world, having digital banking features is essential. At Eddy Federal Cu South, we pride ourselves on offering a user-friendly online banking platform that allows you to manage your accounts from anywhere. With mobile payments available and a dedicated mobile application, you can transfer funds, pay bills, and monitor your finances right from your smartphone.

Get in Touch

If you're interested in learning more about what we offer or if you have any questions about how we can help you achieve your financial goals, don't hesitate to reach out! You can give us a call at 575-887-1784 during our lobby hours from 8:30 AM to 5:30 PM, Monday through Friday. We look forward to welcoming you into the Eddy family! For more information about our services and how we can assist you, visit us online at Eddy Federal Cu South. Together, let's take the next steps towards securing your financial future!

Member-Centric Approach

Our commitment to our members goes beyond just providing services; it's about building relationships. We understand that each member has unique financial goals and challenges. Whether you're saving for a home, planning for retirement, or simply looking to manage your day-to-day expenses better, our friendly team is here to guide you every step of the way.

Digital & Online Banking

Key Services

Our online banking service allows you to access your accounts 24/7, giving you real-time control over your finances. You can check balances, pay bills, and transfer money between accounts with just a few clicks. If you're looking to send money to friends or family, our person-to-person transfer feature makes it easy and quick no cash needed! For those who prefer using their smartphones, our mobile application is available for download, putting all these features right at your fingertips. Plus, if you're on the go, you can enjoy the benefits of mobile payments, allowing you to make purchases directly from your phone.

Security and Accessibility

At Eddy, we prioritize your security. While we currently do not support electronic signature authorization, we ensure that all your transactions are safe with robust security measures in place. E-statements are also available for members who want to keep track of their financial activity without the clutter of paper statements. With everything accessible through our user-friendly interface, managing your money has never been easier. Whether you're at home or on the move, our digital banking options provide the flexibility you need to stay on top of your finances. Experience the ease of modern banking with Eddy where convenience meets security!

Financial Strength

Growing Trust

Total Share and Deposit Accounts stand at 7,024, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Eddy is your trusted partner. Visit us at 1711 S Canal St Carlsbad Nm 88220 or call (575) 887-1784 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $10,557,170 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is evident with $625 in used auto loans and $40,137,017 in total loans and leases, supporting your financial goals across various sectors.

Member-Centric Savings

Members' savings are secured through $5,786,298 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $4,340,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 17 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Foundation

With a net worth of $10,690,703, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,892 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $14,488,269 in used vehicle loans and $16,021,391 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles to ensure you find the right fit for your budget and lifestyle.

Credit Lines and Unsecured Loans

For those looking to manage cash flow or unexpected expenses, we also offer flexible terms on unsecured credit card loans, with a total of $605,882 in loans helping members manage their finances effectively. Additionally, our credit lines provide access to funds when you need them most, with a total of $2,000,000 available to our members. Our commitment at Eddy is to provide competitive rates and personalized service. For any questions or assistance regarding our loan offerings or eligibility requirements, please don't hesitate to contact us at 575-887-1784. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us today at 1711 S Canal St Carlsbad NM 88220, or check out our website at eddyfederalcu.com for more information on how we can support your financial journey!

Mortgage Options

Thinking about homeownership? While we currently do not have Junior Lien 1-4 Family Residential Properties loans available, we encourage you to reach out for potential refinancing options that may suit your needs in the future.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. LendMesh ensures accurate loan comparisons by sourcing its data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This means users can trust that they are receiving fair and transparent offers from legitimate financial entities. One of the standout features of LendMesh is its commitment to providing verified data. Loan offers come only from credible financial institutions, ensuring that users have access to trustworthy information. Additionally, LendMesh operates without sponsored listings; lenders are not prioritized based on paid promotions. This approach guarantees that users receive unbiased results tailored to their needs. The platform also provides real-time rate comparisons, presenting up-to-date loan rates from multiple institutions. This feature empowers users to make informed decisions quickly and confidently. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" If you're looking for a reliable way to compare loan options, look no further. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

EDDY FEDERAL CREDIT UNION