Financial Security Carlsbad NM Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Financial Security Credit Union South Branch, your trusted financial partner located at 2603 S Canal St, Carlsbad, NM 88220. Established in 1954, our commitment to serving the community shines through in our dedication to providing reliable banking solutions tailored to meet the needs of our 5,174 members. At Financial Security, we pride ourselves on a strong foundation of trust and transparency. With total assets amounting to an impressive $60,146,703, we ensure that your money is not only safe but also working hard for you. Our members enjoy a variety of services including checking and savings accounts, auto loans, mortgage options, personal loans, and business banking solutions. In fact, we've facilitated over 2,277 loans and leases making dreams a reality for many in our community. We understand that financial decisions are important. That's why our team is here to guide you every step of the way. Led by our dedicated CEO, Judy Carrasco, and Board President, Jason Crockett, we are focused on creating a positive impact for each member we serve. With a solid net worth of $9,169,691 and cash reserves of $839,954, we ensure stability and growth for your financial future. Whether you need assistance with loans or simply want to learn more about managing your finances effectively, we're here to help. You can reach us at 575-628-0304 or visit us during our convenient operating hours: Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 12 PM. While members can visit us at 2603 S Canal St, official correspondence should be sent to 2603 South Canal St, Carlsbad, NM 88220. We invite you to explore how we can support your financial journey by visiting our website at www.finseccu.com today! Join us as we continue to foster a community where financial security is not just a goal but a reality for everyone. Your journey towards better financial health starts here!

Branch History & Mission

Join Us

At Financial Security, your financial success is our priority. If you're looking for a credit union that truly values its members and community, we invite you to join us. Experience firsthand how we can help you reach your financial goals with caring service tailored just for you. Call us today at (575) 628-0304 or visit our website at finseccu.com to learn more about membership benefits! Together, let's build a brighter future!

Our Journey

Since our inception nearly seven decades ago, Financial Security has focused on providing accessible financial services while fostering a sense of community. Our journey began with a handful of dedicated individuals who believed in the power of cooperative banking. As we expanded, we remained committed to delivering personalized service that reflects the values and needs of our members. Over the years, we have introduced various services tailored to enhance your financial well-being. From auto loans and mortgages to personal loans and business banking solutions, our offerings have consistently aimed to empower our members. We also embrace technological advancements; today, members can enjoy online and mobile banking options for added convenience.

Our Mission

Our mission at Financial Security is simple yet impactful: to provide quality financial services while supporting our community's growth. We believe that everyone deserves access to fair financial products that can help them achieve their dreams. We strive to create lasting relationships with each member by offering guidance and support every step of the way. We are not just a credit union; we are part of this community. Our outreach initiatives aim to uplift local organizations and foster economic development in Carlsbad and beyond. By partnering with schools, charities, and local businesses, we seek to make a difference where it matters most. While you can visit us at 2603 S Canal St Carlsbad Nm 88220, official correspondence should be sent to 2603 South Canal St, Carlsbad, NM 88220 if different. Our doors are open Monday through Friday from 9 AM to 5 PM and Saturdays from 9 AM to 12 PM for lobby hours. Drive-thru services extend until 5:30 PM on weekdays.

Branch Location & Accessibility

Convenient Access and Features

We understand that convenience matters. That's why we offer ample parking right outside our branch, making it easy for you to stop by without any hassle. Our location is fully ADA compliant with ramps and accessible entrances to ensure everyone can enjoy our services comfortably.

Friendly Operating Hours

At Financial Security, we want to be there when you need us. Our lobby is open Monday through Friday from 9 AM to 5 PM, with Saturday hours from 9 AM to 12 PM. If you're in a hurry, take advantage of our drive-thru service available Monday to Friday from 8:30 AM to 5:30 PM and Saturday from 9 AM to 12 PM.

Reach Out Anytime

Have questions? Our friendly staff is here to help! Give us a call at 575-628-0304 or drop by during our operating hours. We look forward to welcoming you into the Financial Security family!

Services That Meet Your Needs

Inside our branch, you'll find a range of services designed just for you from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. We also offer credit cards with rewards and business banking services. Plus, with an ATM on-site, accessing cash is quick and easy!

Member Eligibility

At Financial Security, we believe that everyone deserves access to a supportive community where they can thrive financially. Joining us is simple and welcoming! If you live, work, worship, or attend school in the Carlsbad area, you're already on your way to becoming a member. We also welcome family members of existing members, making it easy for loved ones to enjoy the benefits together. To learn more about our eligibility criteria, feel free to check out this resource: Eligibility Details. Becoming a member at Financial Security means you gain access to a variety of services tailored just for you, like personal banking, auto loans, and credit cards with rewards all designed to help you manage your finances easily. The process of opening an account is straightforward and can be done online or by visiting us at our branch located at 2603 S Canal St, Carlsbad, NM 88220. If you have any questions or need assistance along the way, don't hesitate to give us a call at 575-628-0304. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services Made Easy

Imagine running your business smoothly while handling payments effortlessly. Our merchant services simplify transactions, allowing you to focus on what you do best growing your business. From credit card processing to mobile payment solutions, we provide the tools needed for seamless financial interactions with your customers. Located at 2603 S Canal St, Carlsbad, NM 88220, we invite you to visit us or call 575-628-0304 to learn more about how our business banking solutions can help you thrive in today's competitive market.

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $25 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $816,234, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

If you're a business owner, we recognize the importance of having reliable banking support. Our business banking services, which include merchant services and business loans, are crafted to ensure your business thrives. With us by your side, you can focus on growing your enterprise while we handle the financial aspects.

Cash Access Services

Need cash quickly? Our ATM services provide easy access for withdrawals and balance checks whenever you need them. Plus, our basic drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle perfect for those busy days!

Credit Options

We believe in rewarding our members for their loyalty. Our credit cards with rewards offer benefits that can turn everyday purchases into exciting opportunities for cash back or travel perks.

Join Us Today!

At Financial Security Credit Union, we strive to make banking accessible and beneficial for all our members. Visit us in Carlsbad or check out our website at finseccu.com to learn more about how we can support your financial journey! We invite you to experience personalized service and discover the advantages of being part of our community-focused credit union today!

Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we proudly offer online and mobile banking features that allow you to manage your finances from anywhere. Whether it's checking your balance on-the-go or transferring funds between accounts with just a few taps on your smartphone, we've made it simple and secure for you.

Personal Banking Solutions

We understand that managing your money is crucial. That's why we offer personal banking options that include checking and savings accounts designed to help you achieve your financial goals. If you're planning to purchase a new car, our auto loans and vehicle financing make it easier than ever. Imagine driving off in your dream car without the stress of hefty payments. For those considering homeownership or refinancing their current mortgage, our mortgage loans and refinancing options provide flexible solutions tailored to fit your budget. And if life throws unexpected expenses your way, our personal loans and debt consolidation services can help ease the burden.

Digital & Online Banking

Key Features

Our online banking service, available at https://finseccu.com/, allows you to access your accounts 24/7. Whether you're checking your balance, transferring funds, or paying bills, everything is just a few clicks away. Plus, with electronic signature authorization, signing documents online is quick and hassle-free. If you prefer to manage your accounts on the go, our mobile application makes it easy to bank from anywhere. You can also enjoy the convenience of mobile payments, allowing you to make purchases directly from your smartphone no wallet necessary! For those who like to keep track of their spending, e-statements are available too. They provide an easy way to monitor your transactions without cluttering your inbox with paper statements. And while person-to-person transfers aren't offered just yet, we're committed to expanding our features based on member feedback.

Security and Accessibility

Your security is our top priority. Our digital banking platform uses advanced security measures to protect your information, giving you peace of mind while you manage your finances online. With real-time account management tools, you can make informed decisions about your money whenever it suits you. Whether you're at home or out running errands, you'll have complete control over your finances. Experience the future of banking today with Financial Security's comprehensive digital services. Visit us online at https://finseccu.com/ and take advantage of everything we have to offer!

Financial Strength

At Financial Security, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We pride ourselves on our strong financial foundation, which allows us to provide exceptional services and support to our community. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $9,169,691, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,525 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $10,513,250 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $685 in used auto loans and $44,383,768 in total loans and leases, our lending capacity supports members' financial goals across various sectors. 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 15 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at 9,138, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Financial Security is your trusted partner. Visit us at 2603 S Canal St Carlsbad Nm 88220 or call (575) 628-0304 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $18,619,103 in used vehicle loans and $15,125,069 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to ensure you get behind the wheel without breaking the bank.

Business Loans

For business owners, our outstanding commercial loans totaling $816,234 provide the capital needed to grow and expand. These loans are tailored for those looking to invest in their business ventures or cover essential expenses.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not have any Junior Lien 1-4 Family Residential Properties loans available, we are here to assist you in exploring other options that might fit your needs.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility options for our various loan products, we encourage you to reach out. Our team is dedicated to helping you find solutions that work for your financial situation. Feel free to contact us at 575-628-0304 for more information on how we can assist you with your loan needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Financial Security, we're committed to providing support and guidance as you navigate your financial journey. Whether it's an auto loan, a credit card, or a business loan, we're here to help every step of the way!

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $839,441 in loans helping members manage their finances effectively. Whether you're looking to make purchases or need a safety net for unexpected expenses, our credit card options are designed to meet your needs.

Loan Aggregator

Accurate Loan Comparisons

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 you can trust that the offers presented are fair and transparent, giving you confidence in your choices.

Benefits of Using LendMesh

One of the standout features of LendMesh is its commitment to providing verified data. All loan offers come from legitimate financial institutions, ensuring you have access to reliable information. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. Instead, the focus is on delivering unbiased results so users can feel secure in their selections. Another key advantage is the real-time rate comparisons offered by LendMesh. This feature keeps users updated with up-to-date loan rates from multiple institutions, empowering them to make informed decisions that suit their financial needs. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of this comparison tool. 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.