Zia Credit Union Espanola NM | Affordable Auto Loans & Business Banking

Introduction

Welcome to Zia, your trusted financial partner at the Espanola Branch located at 707 S Riverside Dr, Espanola, NM 87532. Since our establishment in 1955, we have proudly served our community, helping over 12,871 members achieve their financial goals. With total assets exceeding $231,613,071 and deposits amounting to $9,576,861, our commitment to your financial well-being is stronger than ever. At Zia, we understand that banking should be both accessible and personal. Whether you're looking for a new auto loan or need assistance with a mortgage, our dedicated team of 60 employees, led by CEO Dwayne Herrera and Board President Juan Carlos Garcia, is here to guide you every step of the way. We offer a range of services including checking and savings accounts, credit cards with rewards, and business banking solutions tailored to meet your unique needs. While members can visit us at 707 S Riverside Dr, official correspondence should be sent to our mailing address at P.O. Box 490, Los Alamos, NM 87544. We invite you to explore all that we have to offer by visiting our website at ziacu.org. With a strong net worth of $18,810,737 and cash in hand of $1,311,733, you can trust that your finances are in safe hands. Join us as we continue to make a positive impact in our community through responsible lending practices and exceptional member service. Feel free to reach out to us at 505-367-1500 or drop by during our lobby hours: Monday through Thursday from 8:30 AM to 5 PM, Tuesday from 10 AM to 5 PM, and Friday from 8 AM to 6 PM. We look forward to serving you!

Branch History & Mission

Accessibility and Services

Our branch is not just about traditional banking; we prioritize accessibility too. We provide ADA-compliant facilities to ensure everyone can access our services comfortably. Additionally, with an ATM on-site and drive-thru banking available for quick transactions, convenience is always at your fingertips. For any official correspondence, please send your letters to P.O. Box 490, Los Alamos, NM 87544, while you can visit us at our main location during our operating hours: - Monday & Wednesday - Thursday: 8:30 AM - 5 PM - Tuesday: 10 AM - 5 PM - Friday: 8 AM - 6 PM

Join Us Today!

As we continue this journey together, we invite you to become part of the Zia family. Experience the benefits of membership today! Visit us at ziacu.org or call us at 505-367-1500 for more information on how you can join. Together, let's build a brighter future for Espanola!

Our Journey

From humble beginnings, Zia has evolved significantly since its inception. What started as a small credit union has transformed into a trusted financial partner for many in Espanola and beyond. Located at 707 S Riverside Dr, we are easily accessible, right near the scenic Rio Grande River. Our location is more than just an address; it's a place where relationships are built and dreams are realized. Over the years, we've embraced technological advancements while ensuring that personal service remains at the forefront of what we do. We offer digital banking options like online banking, mobile payments, and e-statements, allowing our members to manage their finances easily and securely from anywhere.

Our Mission

At Zia, our mission goes beyond providing financial services. We aim to enhance the quality of life for our members by offering personalized banking solutions that cater to their unique needs. Whether it's through auto loans, mortgage financing, or business banking services, we are dedicated to helping our members achieve their financial goals. We also believe in giving back to the community. Our outreach programs support local initiatives that uplift families and promote economic development in Espanola. By partnering with local organizations and participating in community events, we strive to make a positive impact on those around us.

Branch Location & Accessibility

Accessibility Features

At Zia, we understand the importance of accessibility. Our branch is designed with features like ramps and ADA compliance in mind, ensuring that everyone can easily access our services. Plus, for those who prefer to bank from their vehicles, we offer drive-thru banking services for your convenience.

Call to Action

We invite you to visit us at our Espanola location or give us a call with any questions you may have! Your financial journey is important to us, and we're excited to help you achieve your goals right here at Zia Credit Union.

Nearby Landmarks

If you're looking for us, you'll find our branch nestled near some local favorites. We're just a short drive from the scenic Santa Fe River Park and close to the Espanola Valley High School, making it easy to stop by while you're out and about.

Operating Hours

Our lobby hours are designed to fit your busy schedule. You can visit us Monday through Thursday from 8:30 AM to 5 PM, with extended hours on Friday until 6 PM. On Tuesdays, we open a bit later at 10 AM but still close at 5 PM. If you need assistance outside these hours, feel free to give us a call at 505-367-1500.

Services Offered

At Zia's Espanola Branch, we provide a wide array of financial services to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing our friendly staff is here to help you every step of the way. We also offer online and mobile banking services so you can manage your finances anytime and anywhere.

Member Eligibility

Joining the Zia community means becoming part of a supportive family that prioritizes your financial well-being. At our Espanola Branch, located at 707 S Riverside Dr, Espanola, NM 87532, we welcome anyone who lives, works, worships, or attends school in the areas we serve. This inclusive approach makes it easy for you to enjoy all the benefits of membership. By choosing Zia, you gain access to a range of financial products and services designed with your needs in mind like personal banking options, auto loans, and more. Getting started is simple! To learn more about eligibility and see if you qualify for membership, feel free to visit our website at https://www.ziacu.org/membership. If you're ready to open an account, you can find all the details you need at https://online.ziacu.org/enrollment. Have questions? Don't hesitate to give us a call at 505-367-1500 we're here to help!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no member or non-member commercial loans on the books, we're ready to assist when you're ready to take that next step. Our team is dedicated to helping you secure the financing you need for expansion, equipment purchases, or working capital.

Merchant Services

In today's fast-paced market, having reliable merchant services can make all the difference. Imagine effortlessly processing payments from your customers while keeping track of sales and inventory all from one platform. At Zia, we offer tailored merchant services that streamline your operations and enhance customer experiences. Located at 707 S Riverside Dr Espanola Nm 87532 in Espanola, NM, our knowledgeable staff is here to discuss how we can support your business goals. Connect with us today at (505) 367-1500 to learn more about how we can help your business thrive!

Comprehensive List Of Services

ATM and Drive-Thru Services

We know that sometimes you need quick access to cash or want to conduct simple transactions without stepping inside the branch. That's why we provide ATM access for withdrawals and balance checks along with basic drive-thru services where you can complete deposits and withdrawals efficiently.

Business Banking Services

For small business owners, we understand that managing finances can be challenging. That's why we offer tailored business banking solutions including merchant services and business loans, helping you grow your venture with confidence.

Digital Banking Convenience

In today's fast-paced world, convenience matters. At Espanola Branch, we have embraced technology to ensure you can manage your finances anytime, anywhere. Our online and mobile banking platforms allow you to check balances, transfer funds, and pay bills with just a few taps on your smartphone. You can also enjoy features like person-to-person payments for easy transactions with friends and family.

Get Started Today!

We invite you to experience the friendly service and comprehensive financial solutions available at Zia located at 707 S Riverside Dr Espanola Nm 87532 in Espanola, NM. If you have any questions or would like more information about our services, don't hesitate to reach out at (505) 367-1500. Join us today as we help you achieve your financial goals! Visit us online at https://www.ziacu.org/ to learn more about membership or apply for an account!

Personal Banking Solutions

Our personal banking services include checking and savings accounts designed to help you manage your money effectively. Need a new car? Our auto loans and vehicle financing options can make that dream a reality with competitive rates and flexible terms. For those considering homeownership or refinancing, we offer mortgage loans that fit various budgets. If you're facing unexpected expenses, our personal loans and debt consolidation options can provide the relief you need. Plus, don't forget about our credit cards with rewards, which allow you to earn points on your purchases while enjoying added benefits.

Shared Branch Transactions

If you're a member of another partner credit union, don't worry! We also facilitate shared branch transactions so that you can make deposits or withdrawals seamlessly at our location.

Digital & Online Banking

Convenient Online Banking Services

With our 24/7 online banking, you have the power to manage your accounts anytime, anywhere. Whether you're checking your balance, paying bills, or transferring funds, everything is just a few clicks away. Need to send money to a friend? Our person-to-person transfers feature makes it simple and quick, allowing you to share funds instantly without the hassle.

Go Green with E-Statements

Say goodbye to paper clutter! With e-statements available at Zia, you can receive your account statements electronically. Not only does this help the environment, but it also allows for easy access and management of your financial documents right from your device.

Mobile Banking at Your Fingertips

Take your banking on the go with our user-friendly mobile application. With this app, you can access your accounts from your smartphone and enjoy features like mobile payments, making transactions as easy as tapping your phone. Plus, our commitment to security means you can bank with confidence knowing your information is protected.

Secure and Simple Transactions

We prioritize your safety with features such as electronic signature authorization for added peace of mind when completing transactions online. Each service is designed not only for ease-of-use but also with your security in mind. At Zia, we strive to provide services that fit your lifestyle. Embrace the convenience of modern banking while enjoying the reliable support from our dedicated team. Experience the future of banking today at https://www.ziacu.org/!

Financial Strength

Committed Team

We take pride in having 58 full-time employees and 2 part-time employees dedicated to serving you with knowledge and care. Our team is always ready to assist you with any questions or concerns regarding your finances.

Continuous Growth and Innovation

With $14,944,071 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This approach enables us to stay ahead of industry trends while meeting your needs effectively.

Focused on You

Unlike traditional banks, we prioritize our members. With non-member deposits at $2,241,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. We understand the importance of keeping your finances in good hands.

Growing Membership Base

Total Share and Deposit Accounts: 23,801, showing a strong and growing member base that trusts us with their finances. This trust fuels our mission to provide exceptional service tailored specifically for our community. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Zia is your trusted partner. Visit us at 707 S Riverside Dr Espanola Nm 87532 or call (505) 367-1500 to learn more about how we can help you achieve your financial goals.

Secure Savings Opportunities

Members' savings are secured through $61,159,006 in share certificates, offering stable and rewarding financial growth opportunities. This commitment to your financial future is paramount; we strive to ensure that your hard-earned money is both safe and growing.

Solid Financial Health

With a net worth of $18,810,737, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $812 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Support for Your Financial Goals

Our lending capacity supports members' financial goals across various sectors with $1,918 in used auto loans and a total of $173,350,438 in loans and leases. This range ensures that whether you're looking to purchase a vehicle or consolidate debt, we're here to support you every step of the way.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $39,046,719 in used vehicle loans and $47,540,131 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates that make it easier for you to drive away with the vehicle you want.

Credit Lines

If you're looking for additional flexibility, consider our credit lines totaling $42,456,551. This product allows you to access funds when needed without the hassle of applying for multiple loans. For those interested in refinancing options, our knowledgeable staff is here to guide you through the process and help determine what works best for your unique circumstances. Feel free to reach out if you have any questions or would like more information about our loan offerings. You can visit us at 707 S Riverside Dr Espanola Nm 87532, call us at (505) 367-1500, or check out our website at https://www.ziacu.org/. Remember, 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 assisting you with your loan needs!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not have any Junior Lien 1-4 Family Residential Properties loans available, our team can assist you in exploring other financing options that fit your situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $3,242,863 in loans helping members manage their finances effectively. These cards are perfect for everyday purchases and provide a great way to build your credit history.

Loan Aggregator

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Zia