Fort Bayard Credit Union Silver City NM | Affordable Auto Loans & Drive-Thru Banking

Introduction

Welcome to Fort Bayard Federal Credit Union, where our commitment to you is as strong as our roots in the Silver City community. Established in 1936, we have proudly served our members for over eight decades, providing financial services that empower individuals and families alike. Located at 11797 Highway 180 E, Silver City, NM 88022, our branch is dedicated to ensuring your banking experience is personalized and trustworthy. At Fort Bayard, we believe in building relationships rather than just transactions. With a membership of around 850 individuals, we focus on creating a supportive environment that caters to your unique financial needs. Our total assets amount to an impressive $5,225,985, reflecting our strength and stability. We take pride in offering a range of services from checking and savings accounts to auto loans and mortgage refinancing designed to help you achieve your financial goals. While members can visit us at our branch address, official correspondence should be sent to PO BOX 194, SANTA CLARA, NM 88026. This ensures your communications are handled promptly and efficiently. Under the leadership of CEO Yvonne Hernandez and Board President Gene Hood, our team of 4 dedicated employees is here to assist you with any questions or concerns you may have. Whether you're looking to secure a loan or open a new account, we strive to make each interaction friendly and informative. With total deposits reaching $784,119 and a net worth of $437,482, Fort Bayard remains committed to providing value-driven services that support our community's growth. Our cash in hand stands at $83,470, allowing us to meet your immediate banking needs while also investing in future opportunities for our members. We invite you to explore everything we offer by visiting our website at http://fortbayardfcu.org or calling us at 575-534-8888. Your financial journey begins here at Fort Bayard Federal Credit Union where you are more than just a member; you are part of our family!

Branch History & Mission

At Fort Bayard, we take pride in our rich legacy that began in 1936. Since then, our mission has been clear: to provide exceptional financial services while uplifting the community we serve. Nestled at 11797 Highway 180 E in Silver City, NM, our branch has become a cornerstone for over 850 members, helping them achieve their financial goals and dreams. From humble beginnings, Fort Bayard has steadily evolved into a trusted credit union with total assets reaching an impressive $5,225,985. Over the years, we've embraced growth by expanding our services and enhancing member experiences. Our commitment to community support remains unwavering as we forge partnerships and engage in outreach initiatives that make a real difference in people's lives. Our branch operates with a focus on accessibility and convenience. We understand the importance of being available for our members, which is why we have drive-thru banking services to accommodate busy schedules. While you can visit us at our physical location, any official correspondence should be directed to our mailing address: PO BOX 194, SANTA CLARA, NM 88026. The heart of Fort Bayard's mission lies in empowering individuals through financial education and personalized service. We offer a range of products including checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. Our online banking platform makes it easier for members to manage their finances from anywhere at any time. As part of our ongoing commitment to inclusivity, we ensure that our facilities are ADA compliant so everyone can access our services comfortably. We believe in fostering relationships built on trust and transparency with each member who walks through our doors. Join us today at Fort Bayard Federal Credit Union! Experience the benefits of being part of a community-focused financial institution dedicated to your success. Contact us at (575) 534-8888 or visit our website at fortbayardfcu.org to learn more about how we can assist you on your financial journey.

Branch Location & Accessibility

Welcome to Fort Bayard Federal Credit Union, your trusted financial partner located conveniently at 11797 Highway 180 E in Silver City, NM. Our branch is easy to find and offers a welcoming atmosphere for all our members. Whether you're stopping by for personal banking or exploring loan options, we're here to help you every step of the way. While you can visit us at our branch address, please note that any official correspondence should be sent to our mailing address: PO BOX 194, Santa Clara, NM 88026. Situated near key landmarks in Silver City, our location makes it simple for you to pop in while running errands or enjoying local attractions. We provide ample parking and ensure that our facilities are accessible to everyone with features like ADA-compliant ramps. At Fort Bayard, we pride ourselves on offering friendly service during our operating hours. Our lobby is open Monday through Thursday from 8:30 AM to 5:00 PM and Friday from 9:00 AM to 5:00 PM. If you prefer a quick visit, take advantage of our drive-thru banking services, which allow you to complete deposits and withdrawals without leaving your vehicle. We understand that convenience matters. While we do not have ATMs on-site, our online and mobile banking options give you access to your accounts anytime, anywhere. Plus, our team is always ready to assist you with personal banking needs such as checking and savings accounts, auto loans, mortgage refinancing, and more. Don't hesitate to reach out! You can contact us at 575-534-8888 with any questions or just drop by for a visit. At Fort Bayard Federal Credit Union, we're excited to serve you!

Member Eligibility

At Fort Bayard, we believe that everyone deserves a supportive financial community, and becoming a member is your first step into this welcoming space. To join us, you'll need to meet a few simple eligibility criteria. Generally, individuals who live, work, worship, or attend school in Grant County are welcome to apply. We also extend our membership to family members of current members, making it easy for your loved ones to enjoy the same benefits. If you're curious about the details or want to ensure you meet the requirements, check out our eligibility page at http://fortbayardfcu.org/membership.php. Once you know you're eligible, opening an account with us is straightforward and hassle-free. You can reach out to us at 575-534-8888 for assistance or visit us at 11797 Highway 180 E, Silver City, NM 88022. We're here to help you take advantage of great services like personal banking, auto loans, and more! Join Fort Bayard today and discover all the wonderful benefits of being part of our community!

Business Banking & Commercial Services

Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. Though currently, we do not have any member or non-member commercial loans funded yet, we're eager to work with you to create tailored financing solutions when the time comes.

Merchant Services That Matter

Beyond loans, we also offer merchant services that help streamline your daily operations. Picture this: you're running a busy café and need an efficient way to handle transactions. Our merchant services provide you with the tools necessary to accept payments easily, manage cash flow effectively, and focus on what you do best serving your customers. Located at 11797 Highway 180 E Silver City Nm 88022 in Silver City, NM, we are here to support your business journey. For more information about how we can help your business thrive, call us at (575) 534-8888 today!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, our Business Banking services include Merchant Services and Business Loans designed specifically for small businesses. We know how crucial it is for businesses to have reliable financial support, and we're here to help your enterprise thrive.

Convenient Online and Mobile Banking

In today's world, convenience is key. That's why we offer Online & Mobile Banking, allowing you to manage your finances anytime, anywhere. Need to transfer money or check your balance? It's all just a few taps away! We also provide ATM and cash withdrawal services for when you need cash on the go.

Credit Card Rewards

For those who enjoy rewards, our Credit Cards with Rewards program allows you to earn points on everyday purchases. This means that your spending could lead to travel perks, cash back, or discounts on future purchases making every swipe count!

Drive-Thru Convenience

For members who prefer face-to-face interaction but value efficiency, our Basic Drive-Thru Banking offers easy access for deposits, withdrawals, and simple transactions without leaving your car. With all these services available at Fort Bayard, located at 11797 Highway 180 E Silver City Nm 88022, we invite you to explore what we can do for you. For more information or assistance, don't hesitate to call us at (575) 534-8888. Let us help you navigate your financial journey today!

Home Ownership Assistance

Owning a home is a significant milestone for many. With our Mortgage Loans & Refinancing services, we guide you through every step of the home buying process. From first-time buyers to those looking to refinance an existing mortgage, we have solutions that make home ownership achievable and manageable.

Personal Banking Solutions

We understand that personal finance can be overwhelming. That's why we offer Personal Banking, including both Checking and Savings Accounts that are tailored to fit your lifestyle. Imagine having a safe place to keep your money while earning interest at competitive rates. Whether it's setting up a budget or saving for a vacation, our accounts give you the flexibility you need.

Personal Loan Options

Life often throws unexpected expenses your way. That's why we offer Personal Loans & Debt Consolidation solutions. Whether it's covering medical bills or consolidating debt, our loans provide quick access to cash when you need it most.

Vehicle Financing Made Easy

If you're in the market for a new car or truck, look no further than our Auto Loans & Vehicle Financing options. We work with you to find a loan that fits your budget so you can drive away in your dream vehicle without stress. Picture yourself behind the wheel of that new ride while knowing you secured an affordable loan through us.

Digital & Online Banking

Key Features

Our platform is user-friendly and packed with features to enhance your banking experience. Need to send money to a friend? Our person-to-person transfers make it easy to send funds directly from your account without any hassle. And for those important documents or agreements, rest assured that while we currently do not offer electronic signature authorization, we're committed to keeping your financial interactions as smooth as possible. While we don't provide e-statements or mobile payment options just yet, our team is always exploring ways to improve your experience. You can still count on straightforward account management through our online platform, giving you real-time updates about your finances. For those who prefer mobile access, although we currently don't have a dedicated mobile application available, our website is optimized for use on smartphones and tablets. This means you can still navigate through all our services with ease right from your device. Security is paramount at Fort Bayard. We ensure that all your transactions are protected with advanced security measures so you can bank confidently. We believe in empowering our members with the tools they need for effective financial management while keeping everything safe. Whether you're checking your balance late at night or transferring funds during lunch breaks, our online banking services bring convenience right to your fingertips. Join us today and experience a new way of banking that fits into your life!

Financial Strength

Growing Together

Total Share Accounts: 1,040, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $54,488, reflecting our commitment to empowering our members financially. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Fort Bayard is your trusted partner. Visit us at 11797 Highway 180 E Silver City Nm 88022 or call (575) 534-8888 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $0 in share certificates and $0 in money market shares, 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.

Reinforcing Our Commitment

With $437,482 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 also impressive; with $112 in used auto loans and $2,219,964 in total loans and leases, we support members' financial goals across various sectors. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 2 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $437,482, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $837 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 $1,696,159 in used vehicle loans and $357,542 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or considering a reliable used option, our team is here to guide you through the process.

Business Financing

For business owners, our outstanding commercial loans can provide the capital needed to grow and expand. Although we currently have no commercial loans issued, we're ready to assist when you're prepared to take that next step in your business journey. At Fort Bayard, we are committed to making borrowing accessible and straightforward for everyone. Our dedicated team is here to help with any questions about eligibility or refinancing options that may be available for you. Feel free to reach out at (575) 534-8888 or visit us at 11797 Highway 180 E Silver City Nm 88022 in Silver City, NM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you find the right loan solution!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $0, providing an opportunity for those looking to settle into their dream home or refinance an existing property.

Personal Finance Solutions

In addition to auto and mortgage loans, we also provide flexible terms on unsecured credit card loans. While our total unsecured credit card loans stand at $0, they help members manage their finances effectively without the burden of excessive interest rates.

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. The data is regularly updated based on the latest results (Source: https://www.ncua.gov), guaranteeing that users receive fair and transparent offers tailored to their needs.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency and building trust with users. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results that genuinely reflect the current market. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, enabling informed decision-making without the hassle of navigating numerous websites. 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.

Fort Bayard