Otero Credit Union Alamogordo NM | Convenient ATM Services Only

Introduction

Welcome to Otero, your trusted partner in financial success located at 1200 10Th St, Alamogordo, NM 88310. Since opening our doors in 1953, we have been dedicated to serving our community with a commitment to excellence and member satisfaction. With a total membership of 34,287 and assets exceeding $481,435,679, we pride ourselves on being a stable and reliable institution where your financial well-being is our top priority. At Otero, we understand that each member has unique financial needs. Whether you're looking for loans currently totaling 15,862 or want to explore savings options with over $20,498,575 in deposits, our team is here to guide you every step of the way. Our CEO, Melene Street, along with Board President Jocelyn Driscoll-Gillespie, leads our dedicated staff of 98 employees who are passionate about making your experience smooth and rewarding. While members can visit us at our branch location for personalized service, official correspondence should be sent to our mailing address: P.O. Box 2800, Alamogordo, NM 88311-2800. With a net worth of $69,262,886 and cash reserves of $8,240,478, we are not just another credit union; we are a pillar of strength in the community. We encourage you to take advantage of all we offer from loans tailored for your needs to services designed for convenience like online banking and mobile payments. Feel free to reach out by phone at 575-434-8500 or visit our website at oterofcu.org for more information. Join us today and experience the Otero difference where your financial goals become our mission!

Branch History & Mission

At Otero, we take pride in our rich history and deep roots within the Alamogordo community. Since opening our doors in 1953, we have remained dedicated to serving our members with integrity and care. With a steadfast commitment to fostering financial well-being, Otero has grown from a small credit union into a trusted financial partner for over 34,000 members. Located at 1200 10Th St, Alamogordo, NM 88310, our branch is not just a place for transactions; it's a hub where relationships are built and dreams are nurtured. We are proud to offer services that cater to your needs, whether it's saving for a home, securing an auto loan, or accessing personal banking services. While members can visit us at this address, official correspondence should be sent to P.O. Box 2800, Alamogordo, NM 88311-2800. Our mission is clear: to provide exceptional financial services while uplifting the communities we serve. We believe that everyone deserves access to affordable banking options that empower them to achieve their goals. This guiding principle drives us every day as we strive to create lasting impacts through our community outreach efforts and partnerships with local organizations. As we continue to evolve with the times, we've embraced modern technology without losing sight of the personal touch that makes us unique. Our commitment includes providing ADA-compliant facilities and digital advancements like online banking and mobile payments, ensuring all members have easy access to their accounts anytime and anywhere. In addition to offering traditional banking services, Otero prioritizes community support by participating in various initiatives aimed at improving the lives of those around us. Whether it's financial education workshops or sponsoring local events, we are dedicated to giving back and enhancing the quality of life in Alamogordo. As we look towards the future, we invite you to become part of our vibrant community at Otero. Experience firsthand the benefits of membership, where you will find not only financial solutions but also a supportive network committed to helping you succeed. Join us today and let's build a brighter tomorrow together! For more information or assistance, feel free to reach out at 575-434-8500 during our operating hours: Monday through Friday from 8:30 AM to 5:30 PM.

Branch Location & Accessibility

Convenient Access

Our branch is designed with accessibility in mind. You'll find ample parking available right outside, making it easy to pop in for your banking needs. We ensure that everyone can visit us comfortably with features like ADA-compliant entrances and ramps. While you can visit us at our physical address for all your banking needs, if you need to send any official correspondence, please use our mailing address: P.O. Box 2800, Alamogordo, NM 88311-2800.

Operating Hours

We know your time is valuable! That's why we're here to serve you during convenient hours. Our lobby is open Monday through Friday from 8:30 AM to 5:30 PM. Feel free to drop by when it suits you best!

Services Offered

At Otero, we provide essential services tailored to meet your financial needs. While we currently do not offer drive-thru banking or ATMs at this location, our team is ready to assist you with various banking services and inquiries inside the branch. If you have any questions or need assistance, don't hesitate to give us a call at 575-434-8500. We're here to help!

Visit Us Today!

Ready to experience exceptional service? We invite you to visit the Otero branch today! Whether you're looking for a loan or need help with your account, our friendly staff is eager to assist you. Come see us soon!

Member Eligibility

At Otero, we believe that becoming a member is like joining a close-knit family where everyone supports each other. If you live, work, worship, or attend school in Otero County, you're already on your way to enjoying the benefits of membership! We welcome individuals from various walks of life, so whether you're just starting out or looking to expand your financial horizons, there's a place for you here. You can find more detailed eligibility information at . Opening an account is simple and straightforward! Just visit us at our branch located at 1200 10Th St Alamogordo Nm 88310, or give us a call at (575) 434-8500. Our friendly staff is ready to assist you in taking this exciting step toward better financial services. We can't wait to welcome you into our community! If you're ready to get started, check out the account opening details here.

Business Banking & Commercial Services

Merchant Services that Work for You

Imagine a scenario where you can seamlessly process payments from your customers while keeping track of your finances all in one place. That's where our merchant services come into play. With tools designed to simplify transactions, you can focus more on growing your business and less on paperwork. Located at 1200 10Th St Alamogordo Nm 88310, Alamogordo, NM, we invite you to reach out at (575) 434-8500 to learn more about how our business banking and commercial services can work for you. Let us help you take your business to the next level!

Tailored Loan Options

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. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions for those who need it.

Comprehensive List Of Services

Emphasizing Digital Convenience

In today's fast-paced world, convenience is key. That's why we prioritize digital banking features that enhance your experience. With online banking and mobile payment options available, managing your finances has never been simpler. You can transfer funds, pay bills, and monitor your accounts from the comfort of your home or while out and about.

Everyday Banking Made Easy

For those who prefer to handle their finances on-the-go, Otero offers convenient ATM services. Imagine being able to access your funds anytime, anywhere, without the hassle of long lines or complicated processes. Our ATM services allow you to withdraw cash, check balances, and perform other essential transactions with ease.

Join Our Community

At Otero, we believe in building strong relationships with our members. We are not just a credit union; we are a community partner committed to your financial well-being. With our focus on providing quality service and accessible banking options, we invite you to explore how we can support your financial journey. If you're ready to take control of your finances or simply want to learn more about what we offer, don't hesitate to reach out or visit us at 1200 10Th St Alamogordo Nm 88310 in Alamogordo, NM. Together, let's make your financial goals a reality! For further information or assistance, please call us at (575) 434-8500 today!

Personal Assistance When You Need It

Sometimes, navigating financial options can feel overwhelming. That's why our friendly staff at Administration Offices is always ready to assist you. Whether you have questions about account management or need guidance on choosing the right loan products, our team is just a phone call away at (575) 434-8500. We pride ourselves on offering personalized support that helps demystify banking for all our members.

Digital & Online Banking

At Otero, we understand that banking should fit into your busy life, not the other way around. That's why we've made our digital and online banking services both convenient and secure, allowing you to manage your finances anytime, anywhere. Our online banking platform is designed with you in mind. You can easily access your accounts 24/7 through our website at https://www.oterofcu.org/. Whether you need to check your balance, transfer funds, or pay bills, everything is just a few clicks away. Plus, with our electronic signature authorization feature, signing documents has never been easier or safer. For those who prefer the mobile experience, we offer a user-friendly mobile application. This handy tool allows you to take your banking on the go! You can make mobile payments effortlessly and even send money to friends or family with our person-to-person transfer feature. Forget about carrying cash; just use your phone! We also provide e-statements for those who want to keep their paperwork minimal and organized. You'll receive your statements electronically, which not only saves paper but also gives you quick access to your financial information whenever you need it. Safety is our priority at Otero. Our online banking services are equipped with robust security measures to protect your personal information and transactions. Rest easy knowing that your accounts are in good hands. In summary, our digital and online banking offerings are all about making your life easier while ensuring that your financial information remains secure. Discover the convenience of managing your money from the comfort of home or on the go with Otero!

Financial Strength

Committed to Growth and Innovation

With $68,836,835 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is supported by $5,559 in used auto loans and $248,280,078 in total loans and leases, helping our members achieve their financial goals across various sectors. Our operational efficiency is reflected in our $0, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 97 full-time employees and 1 part-time employees who are dedicated to serving you with knowledge and care.

Growing Together

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Otero is your trusted partner. Visit us at 1200 10Th St Alamogordo Nm 88310 or call (575) 434-8500 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $86,180,540 in share certificates and $35,603,811 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.

Solid Financial Foundation

With a net worth of $69,262,886, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation ensures that your deposits are secure while also providing us the flexibility to meet your borrowing needs. Our net worth ratio of $1,437 demonstrates a robust capital position, 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 $94,790,926 in used vehicle loans and $61,465,137 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, our competitive rates and flexible terms make it easy to find the right fit for your budget.

Credit Lines

In addition to our auto and mortgage loans, we provide credit lines with a total available of $17,462,738. This product allows you to access funds when you need them while only paying interest on what you use. If you're considering refinancing options or need assistance with eligibility requirements for any of our loan products, please don't hesitate to contact us at 575-434-8500. We're here to assist you in making informed financial decisions. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let Otero help you take your next financial step today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,908,461, make buying or refinancing simple. We provide personalized support throughout the process to ensure you feel comfortable with every step.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $3,764,015 in loans helping members manage their finances effectively. These cards can be a great option for those looking to build credit or handle unexpected expenses without tapping into savings.

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. This transparency ensures that users have access to the most accurate information when making important financial decisions. Loan data on LendMesh is sourced 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 commitment to compliance guarantees that all offers presented are fair and transparent. By focusing solely on verified data, LendMesh helps users avoid misleading offers and identify the best possible options for their needs. One key feature of LendMesh is its commitment to providing verified data. Loan offers are sourced exclusively from legitimate financial institutions, ensuring that users receive trustworthy information. Additionally, there are no sponsored listings on the platform; lenders are not prioritized based on paid promotions. Instead, LendMesh aims to provide unbiased results that empower users to make informed choices. With real-time rate comparisons, users can view up-to-date loan rates from multiple institutions in one place. This feature makes it easier to compare options quickly and efficiently, helping users save both time and money. Thousands of users trust LendMesh for 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 of this tool in assisting individuals in securing better rates. 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.