U-1st Community Credit Union Carlsbad NM

Introduction

Welcome to U-1st Community, your trusted financial partner located at 601 N Canal St, Carlsbad, NM 88220. Since our establishment in 1955, we have dedicated ourselves to serving our members with care and commitment. With a growing community of 876 members, we pride ourselves on being more than just a credit union; we are a part of your neighborhood. At U-1st Community, we understand the importance of financial stability. Our total assets amount to an impressive $9,268,250, which reflects our dedication to providing robust financial services tailored to your needs. We offer a variety of loan options with 423 loans and leases currently active, ensuring that you have access to the funds necessary for your personal or business goals. Our commitment goes beyond numbers; it's about building relationships within our community. Under the leadership of our CEO, Theresa Quinonez, and Board President, Van Jarvis, we strive to create an environment where every member feels valued and supported. Together, our team of 3 dedicated employees is here to assist you with personalized service that meets your unique requirements. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be sent to the same address: 601 N Canal St, CARLSBAD, NM 88220-5805. Explore our range of services today and discover how we can help you achieve your financial goals. Whether you're looking for loans, savings accounts, or simply need advice on managing your finances better, we're here for you! Feel free to reach out by calling us at 575-887-1785 or visit our website at U-1st Community for more information. Join us in making a difference in our community your journey starts here!

Branch History & Mission

Join Us

As we look toward the future, U-1st Community invites you to be part of our family. Join us today and experience the unique blend of personalized service and community focus that sets us apart from traditional banks. Together, let's build a stronger tomorrow for ourselves and our community! Visit us online at U-1st Community for more information on membership options or to start your application journey.

Modern Services

In this ever-changing world, U-1st Community embraces technology while ensuring inclusivity for all members. We offer features like online banking and mobile payments for convenience without compromising personal interaction. Our operating hours are Monday through Friday from 9:00 AM to 5:30 PM, making it easy for you to reach us whenever you need assistance. Although we currently do not offer ATM or drive-thru services, our dedicated team is always ready to assist you inside the branch or via phone at 575-887-1785.

Our Journey

Since opening our doors, U-1st Community has consistently focused on providing exceptional financial services while fostering community spirit. Over the years, we have built strong relationships with our members by understanding their needs and offering tailored solutions. Today, our total assets stand at an impressive $9,268,250, reflecting the trust and support from our valued members. As we grew, so did our commitment to serve. We prioritize transparency and accessibility in all we do. While members can visit us at our main location, official correspondence should be directed to our mailing address: 601 N Canal St, CARLSBAD, NM 88220-5805.

Our Mission

At U-1st Community, our mission is simple yet powerful: to enhance the financial well-being of our members and uplift the communities we serve. We aim to provide a full range of financial services while promoting financial literacy and community involvement. Whether it's through personal loans or educational resources, we strive to empower individuals and families on their financial journeys. Our commitment extends beyond banking; we actively engage in local outreach programs that support various causes within Carlsbad. By partnering with local organizations, we contribute to initiatives that promote education, health, and welfare for all residents.

Branch Location & Accessibility

Accessibility and Parking

We understand how important accessibility is for our members. Our branch is designed to be welcoming for everyone, featuring ADA-compliant entryways and ramps. Ample parking is available nearby, so you can easily access our services without any hassle.

Get in Touch

If you have any questions or would like more information about our services, please don't hesitate to call us at 575-887-1785. We invite you to visit U-1st Community and discover how we can assist you in achieving your financial goals!

Operating Hours

U-1st Community is here for you Monday through Friday from 9:00 AM to 5:30 PM. Whether you're looking to open a new account or need assistance with loans or savings options, our friendly staff is ready to help during these hours.

Services We Offer

Though we currently do not offer ATM services or drive-thru banking, we provide a range of essential services right inside our branch. From personal loans to savings accounts, we are committed to supporting your financial journey with personalized service.

Member Eligibility

At U-1st Community, we're thrilled to welcome you into our supportive family. Becoming a member is more than just opening an account; it's about joining a community that prioritizes your financial well-being. If you're a resident of Eddy County or work in the area, you can easily become a part of our credit union. We also extend membership to your family members, making it even more inclusive! For detailed eligibility criteria, check out this link. Joining us is simple! You can begin the process by visiting our website and following the steps outlined in our account opening section here: Account Opening Details. If you have any questions or need assistance, don't hesitate to give us a call at (575) 887-1785. We're excited to help you on your journey toward financial success at U-1st Community, located at 601 N Canal St Carlsbad Nm 88220.

Business Banking & Commercial Services

Loan Options That Fuel 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.

Merchant Services That Simplify Transactions

Managing payments shouldn't be a headache. Our merchant services offer easy-to-use solutions that help streamline transactions, making it simple for your customers to pay. Imagine being able to process payments quickly and securely, all while having access to insights that can help you make informed decisions about your sales strategies. Located at 601 N Canal St Carlsbad Nm 88220 in Carlsbad, NM, we're here to provide personalized service tailored to your business goals. Contact us at (575) 887-1785 today to learn how we can help your business thrive!

Comprehensive List Of Services

Community-Centric Approach

Being part of the community means more than just offering financial products; it's about building relationships and fostering trust. At U-1st Community, we strive to be more than just your bank. We want to be a partner in your financial journey, providing personalized service and support every step of the way.

Personal Banking Made Easy

One of the standout features at U-1st Community is our commitment to modern banking conveniences. With options like online banking and mobile applications, managing your accounts has never been simpler. You can check balances, transfer funds, and pay bills all from the comfort of your home or on the go. Our ATM Services Only provide another layer of convenience, allowing you to access cash when you need it most.

Stay Connected

If you have questions or need assistance, don't hesitate to reach out! Our friendly team at U-1st Community is ready to help you navigate your financial needs. Give us a call at (575) 887-1785 during our operating hours from Monday to Friday, 9:00 AM to 5:30 PM. In conclusion, whether you're using our digital services or visiting us in person, we're here to make banking easy and accessible for you. Explore all we have to offer at Main Office and let us help you achieve your financial goals today!

Tailored Lending Solutions

When it comes to borrowing, we understand that each member's situation is unique. Whether you're looking for a new car or need funds for unexpected expenses, our lending solutions are designed with you in mind. We offer competitive rates and flexible terms that make financing more accessible for everyone.

Digital & Online Banking

Experience Modern Banking

Embracing technology doesn't mean sacrificing safety. At U-1st Community, we use advanced security measures to protect your data so that you can bank with peace of mind. Our mobile payments feature allows you to make quick purchases without fumbling for cash or cards just another way we simplify your banking experience. Whether you're managing daily expenses or planning for future goals, our digital banking tools are here to support you every step of the way. Explore all that U-1st Community has to offer by visiting us online at https://u1stcommfcu.net/ today!

Key Features for Your Convenience

Our online banking services provide you with 24/7 access to your accounts. You can check balances, pay bills, and transfer funds with just a few clicks. Plus, if you're on the go, our mobile application ensures you have everything at your fingertips. Enjoy the flexibility of making person-to-person transfers effortlessly no more needing to meet in person or write checks! We prioritize security, which is why we offer electronic signature authorization for certain transactions. This feature not only speeds up the process but also keeps your information safe. Additionally, you can opt for e-statements to help reduce paper clutter while keeping track of your financial activities in real-time.

Financial Strength

Commitment to Operational Efficiency

Our operational efficiency is reflected in our $18,472, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 3 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Member Base

Total Share Accounts stand at 1,211, showing a strong and growing member base that trusts us with their finances. This growth underscores the community's confidence in our ability to manage their funds wisely. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, U-1st Community is your trusted partner. Visit us at 601 N Canal St Carlsbad Nm 88220 or call (575) 887-1785 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.*

Reinvestment for Member Benefits

With $1,345,619 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $126 in used auto loans and $6,131,342 in total loans and leases.

Secure Savings for Our Members

Members' savings are secured through $1,445,524 in share certificates and $568,496 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.

Strong Financial Position

With a net worth of $1,345,619, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 14.52% 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 $2,497,494 in used vehicle loans and $1,323,326 in new vehicle loans already helping members get on the road. Whether you're looking for a reliable used vehicle or a brand-new ride, we have competitive financing options available to fit your budget.

Credit Lines

In addition to our other offerings, we have total credit lines amounting to $1,000,000 available for those who need extra funds for various purposes. Whether it's unexpected expenses or planned purchases, our credit lines provide an accessible way to borrow when you need it. At U-1st Community, we're committed to helping our members find the right loan solutions. We also offer refinancing options and work with you to ensure you're eligible for the best rates possible. For more information on our loan products or to check your eligibility, visit us online or stop by our branch during business hours. 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's make your financial dreams a reality together!

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. Our knowledgeable team can guide you through the process and help you find the right mortgage solution that meets your needs.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans, with a total of $328,911 in loans helping members manage their finances effectively. These credit cards are designed to give you financial flexibility while offering competitive rates and terms.

Loan Aggregator

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U 1ST COMMUNITY FEDERAL CREDIT UNION - Carlsbad, NM

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