High Desert Community Credit Union Aztec NM | Affordable Vehicle Loans & Business Banking

Introduction

At High Desert Community Credit Union, we believe in the power of community and the importance of building lasting relationships with our members. Located at 321 S Main Ave, Aztec, NM 87410, our credit union has been a trusted financial partner since 1956. With over 2,050 members, we are committed to providing personalized services that cater to your unique financial needs. While you can visit us at our branch location, official correspondence can be sent to our mailing address: PO Box 1059, Aztec, NM 87410. Our dedicated team is here to assist you with a range of services including checking and savings accounts, auto loans, mortgage financing, and business banking solutions. As of now, we proudly manage assets totaling $17,191,211 and have facilitated 687 loans to help our members achieve their financial goals. With total deposits amounting to $897,351, our focus remains on fostering a strong and sustainable community through responsible banking practices. Our net worth stands at an impressive $2,527,353, ensuring that we have the stability needed to support our members effectively. Led by our CEO Liz Rusk and Board President Cheslea Williams, our team of five employees is dedicated to enhancing your banking experience. We offer online and mobile banking options for your convenience and are always available at (505) 334-3047 during lobby hours from 9:00 AM to 4:00 PM on weekdays. Join us in making a difference in the lives of our members and the broader community! Visit us today or check out more about our services on our website at highdesertcu.org. Together, let's build a brighter financial future!

Branch History & Mission

Community Commitment

Community support is at the heart of what we do. We actively engage in outreach efforts, partnering with local organizations and initiatives aimed at enhancing the well-being of our neighbors. Whether it's through educational workshops or financial literacy programs, we aim to uplift the community that has supported us for decades. As we look ahead, we invite you to join us on this journey. Experience firsthand how High Desert Community Credit Union can help you reach your financial aspirations while being part of a caring community. Visit us during our operating hours from Monday through Friday from 9:00 AM to 4:00 PM or give us a call at 505-334-3047 for more information. Join us today and discover the difference a member-focused credit union can make in your life!

Our Mission

At High Desert Community Credit Union, our mission is clear: we strive to offer exceptional financial services while making a positive impact in our community. We believe that everyone deserves access to quality banking solutions that empower them to achieve their financial goals. From checking and savings accounts to auto loans and mortgage financing, we are dedicated to meeting the diverse needs of our members. We are proud of our commitment to inclusivity and innovation. Our branch has embraced digital advancements such as online banking and mobile payments, ensuring that members can manage their finances conveniently and securely from anywhere. We also prioritize accessibility for all members by maintaining ADA compliance within our facilities.

Branch Location & Accessibility

Convenient Access and Features

At our branch, we prioritize accessibility for everyone. We have ADA-compliant features in place to ensure that all members can navigate our space comfortably. Parking is readily available, making it easy for you to stop by whether you're running errands or making a dedicated trip.

Operating Hours

We're here to serve you Monday through Friday from 9:00 AM to 4:00 PM. Our friendly staff is always ready to assist you with any banking needs during these hours. If you have questions or need help outside of these times, feel free to give us a call at 505-334-3047.

Services Offered

While visiting us, you can explore a wide range of services tailored to meet your financial needs. Whether you're interested in personal banking options like checking and savings accounts, auto loans, or business banking solutions our team is here to guide you every step of the way. Unfortunately, we do not currently offer ATM services or drive-thru banking; however, our online and mobile banking platforms provide convenient access to your accounts anytime.

Visit Us Today!

We invite you to stop by our branch and see how we can help with your financial journey. Whether you're already a member or thinking about joining us, the High Desert Community team looks forward to welcoming you!

Member Eligibility

Becoming a member of High Desert Community is like joining a family that truly cares about your financial well-being. We warmly welcome anyone who lives, works, or worships in the San Juan County area, along with their immediate family members. This means if you're part of our community in any way, you're eligible to join us! Membership at High Desert Community comes with fantastic benefits, including personalized service and access to a range of financial products designed just for you. To learn more about the specific eligibility criteria, check out this helpful resource: Eligibility Details. Opening an account is a breeze simply visit us at our branch located at 321 S Main Ave Aztec Nm 87410, or give us a call at (505) 334-3047 during our operating hours from Monday to Friday, 9:00 AM to 4:00 PM. We can't wait to help you start your journey with us at High Desert Community!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $90,961, we continue to drive economic growth by financing new and expanding businesses. Imagine having the financial backing to launch a new product line or expand your team. Our flexible loan options provide the resources you need to take bold steps toward success.

Merchant Services

In today's fast-paced marketplace, efficiency is key. Our merchant services are designed to simplify your payment processes, ensuring that you can focus on what matters most growing your business. With tools that help streamline transactions, you'll find it easier than ever to serve your customers effectively. Visit us at 321 S Main Ave, Aztec, NM 87410 or call us at 505-334-3047 to learn more about how High Desert Community can support your business goals!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

When it comes to purchasing a vehicle, we understand that financing can be daunting. That's why we provide auto loans and vehicle financing options that make the process smooth and straightforward. Picture yourself driving off in your dream car with an affordable loan tailored just for you. Our team is here to guide you every step of the way, ensuring you find a loan that fits your budget.

Business Banking Options

For our business members, we offer specialized services including merchant services and business loans. If you're starting a new venture or looking to expand an existing one, think about how our tailored business solutions can help elevate your operations.

Convenience at Your Fingertips

At High Desert Community, we know that convenience matters. That's why we provide robust online and mobile banking features, allowing you to manage your accounts anytime, anywhere. With services like person-to-person payments and e-statements, handling your finances is simple and efficient. We invite you to visit us or call us at 505-334-3047 during our lobby hours (Monday through Friday from 9:00 AM to 4:00 PM) for any questions or assistance regarding our services. Let High Desert Community be your trusted partner on your financial journey! For more details on all we offer, check out our website at highdesertcu.org.

Credit Cards with Rewards

Our credit cards come with rewards that make everyday purchases even more rewarding! Whether you're buying groceries or planning a vacation, using our credit card means earning points that can lead to exciting perks. Enjoy the freedom of spending while getting something back in return.

Mortgage Solutions for Every Homebuyer

Buying a home is one of the biggest decisions you'll make in life, and High Desert Community is here to help. We offer mortgage loans and refinancing options that cater to first-time buyers as well as seasoned homeowners. Imagine lowering your monthly payments or securing a lower interest rate on your mortgage our knowledgeable staff will assist you in navigating this important journey.

Personal Banking Made Easy

Whether you're looking to open a new checking or savings account, High Desert Community has you covered. We offer a variety of personal banking options designed to fit your lifestyle. Imagine having a checking account that not only simplifies everyday transactions but also helps you save for future goals. With our competitive interest rates and user-friendly online and mobile banking platforms, managing your finances has never been easier.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our personal loans can provide the relief you need. Think about how much easier life would be if you could simplify multiple payments into one manageable loan. We work with you to find the best solution for your financial situation.

Digital & Online Banking

At High Desert Community, we understand that convenience and security are key when it comes to managing your finances. That's why we offer a range of digital and online banking services designed to fit your lifestyle. With our user-friendly platform, you can access your accounts anytime, anywhere. One of the standout features is our 24/7 online banking service available at https://highdesertcu.org/. Whether you want to check your balance, pay bills, or transfer funds, you can do it all with just a few clicks. Plus, if you're on the go, our mobile application lets you manage your account right from your smartphone. We prioritize your security with features like electronic signature authorization, ensuring that your transactions are safe and secure. And speaking of convenience, our e-statements allow you to receive your financial statements electronically, reducing paper clutter while keeping you informed. Need to send money to a friend? Our person-to-person transfers make it quick and easy. Just a few taps on your device, and the money is on its way! If you're into mobile payments, you're in luck; we support mobile payments, so you can shop without needing cash or cards. Managing your finances has never been easier or more accessible. With these tools at High Desert Community, you'll have real-time control over your accounts right at your fingertips. Embrace the ease of digital banking today!

Financial Strength

At High Desert Community, 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 are committed to ensuring your savings and investments are in safe hands. Our net worth of $2,527,353 reflects our strong financial health, which allows us to offer better rates, lower fees, and enhanced member services. Furthermore, our net worth ratio of 14.57% 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 $5,109,931 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $62,404, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $2,376,766 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports members' financial goals across various sectors with $9,849,260 in total loans and leases. We also take pride in having 5 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Our operational efficiency is highlighted by our net income of $0, allowing us to continue offering competitive loan rates and solid financial products for our members. Total Share Accounts stand at 2,200, 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, High Desert Community is your trusted partner. Visit us at 321 S Main Ave Aztec NM 87410 or call 505-334-3047 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $4,148,907 in used vehicle loans and $714,725 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used car, we have flexible terms that fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $90,961 provide the capital needed to grow and expand. These loans are designed to support your business endeavors effectively. Our range of services doesn't stop there! We also provide options for personal loans and debt consolidation to help manage your finances better. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you're considering refinancing or checking eligibility for one of our products, visit our website or reach out directly we're here to help every step of the way! Explore your lending options today at High Desert Community and see how we can assist you in achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not offer Junior Lien 1-4 Family Residential Properties loans, our team is ready to guide you through alternative mortgage solutions that may suit your needs.

Unsecured Credit Card Loans

For those looking for additional purchasing power, we also offer flexible terms on unsecured credit card loans. Although we currently don't have any outstanding unsecured credit card loans available, our commitment to assisting members remains unwavering.

Loan Aggregator

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