Zia Credit Union Los Alamos NM | Best Auto Loans & ATM Services

Introduction

Welcome to Zia, your trusted partner in financial wellness since 1955. Located at 1001 Central Ave, Los Alamos, NM 87544, our credit union is proud to serve a growing community of over 12,871 members. With total assets exceeding $231 million, we are committed to providing personalized financial solutions tailored to meet your needs. At Zia, we believe in the power of community and the importance of supporting our members' financial goals. Our dedicated team of 60 employees is here to assist you with a range of services, including checking and savings accounts, auto loans, personal loans, and business banking options. We have funded a total of 9,519 loans, ensuring that our members have access to the resources they need to thrive. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: P.O. Box 490, Los Alamos, NM 87544. Under the leadership of CEO Dwayne Herrera and Board President Juan Carlos Garcia, Zia remains focused on fostering strong relationships with our members and enhancing their overall banking experience. With a net worth of $18,810,737 and cash reserves totaling $1,311,733, we are well-positioned to serve you now and into the future. We're excited about the opportunity to support your financial journey! To learn more about how we can help you achieve your goals or if you have any questions, feel free to call us at 505-662-4671 or visit our website at www.ziacu.org. Join us today and experience the difference that comes with being part of the Zia family!

Branch History & Mission

At Zia, we take pride in our rich history and unwavering commitment to serving the community of Los Alamos, NM. Established in 1955, our branch has grown from a small credit union into a thriving financial institution with over 12,800 members and total assets reaching an impressive $231,613,071. Our journey reflects not just the evolution of a credit union, but also the deep-rooted connections we've fostered within our community. Our branch is located at 1001 Central Ave, Los Alamos, NM 87544, a central hub that is easily accessible for all residents. As you visit us, you'll find that we're not just a place to manage your finances; we are part of the very fabric of Los Alamos. We have consistently aimed to provide personalized service while addressing the diverse needs of our members through various financial products. The mission of Zia is simple yet profound: we strive to empower our members by providing exceptional financial services and fostering community support. We believe in putting people before profits, ensuring that every member feels valued and supported in their financial journey. Whether it's offering competitive rates on auto loans or providing accessible online banking services, we remain dedicated to enhancing the lives of those we serve. Over the years, we've embraced digital advancements to ensure that banking is convenient and efficient for everyone. Our services include mobile payments, online banking, and person-to-person transfers all designed with our members' needs in mind. Additionally, we are proud to be ADA compliant, making our facilities accessible to all individuals. Community outreach is at the heart of what we do. We partner with local organizations to support initiatives that uplift our community. By participating in events and offering educational resources about personal finance, we work hard to make a positive impact beyond traditional banking. While members can visit us at 1001 Central Ave, official correspondence should be sent to P.O. Box 490, Los Alamos, NM 87544 if needed. Our operating hours are designed to accommodate busy schedules: 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 invite you to join us at Zia and experience firsthand the benefits of being part of a member-focused credit union. Discover how we can help you reach your financial goals while contributing positively to our beloved community in Los Alamos! For more information or to become a member today, please call us at 505-662-4671 or visit our website at Zia Credit Union.

Branch Location & Accessibility

Convenient Access

At Zia, we're proud to offer ample parking for our members right outside the branch. Plus, our facilities are fully ADA compliant, ensuring that everyone can access our services without any hassle. If you're looking for a quick banking solution, our drive-thru service makes it easy to handle deposits, withdrawals, and other simple transactions without leaving your car.

Join Us Today!

Ready to take control of your financial future? Visit us at Zia today or give us a call at (505) 662-4671. We look forward to serving you!

Operating Hours

We know your time is valuable! That's why our lobby hours are set up to accommodate a variety of schedules. You can visit us on Mondays, Wednesdays, and Thursdays from 8:30 AM to 5 PM; on Tuesdays from 10 AM to 5 PM; and on Fridays from 8 AM to 6 PM. Our dedicated team is here to assist you during these hours with all your banking needs.

Services Offered

Zia is more than just a place to bank; it's a community hub for personal and business financial services. Whether you're interested in setting up checking or savings accounts, exploring auto loans or mortgages, or utilizing our online and mobile banking options, we've got you covered. Plus, with ATM availability and shared service options for partner credit union members, accessing your funds has never been easier. While members can visit us at 1001 Central Ave Los Alamos Nm 87544, official correspondence should be sent to P.O. Box 490, Los Alamos, NM 87544.

Member Eligibility

At Zia, we believe that everyone deserves a place in our supportive community. Joining us as a member is simple and welcoming! If you live, work, worship, or attend school in Los Alamos County or have a family member who is already a member, you're eligible to enjoy all the benefits we offer. Becoming a part of Zia not only connects you with a network of friendly faces but also provides you with access to competitive rates on loans, savings options, and personalized financial services tailored just for you. Ready to take the next step? Opening an account is easy! You can find all the details you need about membership eligibility at https://www.ziacu.org/membership. If you're eager to get started, visit our account opening page at https://online.ziacu.org/enrollment. For any questions, feel free to give us a call at (505) 662-4671. We're excited to welcome you into our family at Zia, located at 1001 Central Ave Los Alamos Nm 87544!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine having a seamless way to accept payments from your customers while managing your cash flow effectively. Our merchant services are here to simplify transactions for your business. Whether you need point-of-sale systems or online payment solutions, we provide the tools that help keep your operations running smoothly. Located at 1001 Central Ave Los Alamos Nm 87544 in Los Alamos, NM, we're ready to help your business thrive. Visit us today or call us at (505) 662-4671 to learn more about how we can support your financial needs!

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. - 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.

Comprehensive List Of Services

Convenient Access & Transactions

Accessing your money is simple with our ATM services available throughout the community. You can withdraw cash or check balances without any hassle. For those quick transactions, our basic drive-thru banking allows for easy deposits and withdrawals right from your car. If you're a member of another credit union, don't worry! We also offer basic shared branch transactions so you can deposit or withdraw funds conveniently while on the go.

Personal Banking Made Easy

Our personal banking services include checking and savings accounts that are designed to fit your lifestyle. Imagine having a checking account that provides easy access to your funds through our online and mobile banking platforms. With features like mobile payments and electronic statements, managing your finances has never been easier. When it comes to financing your vehicle, our auto loans and vehicle financing options can help you drive away in the car of your dreams. We understand that purchasing a vehicle is a significant investment, and we strive to offer competitive rates that fit within your budget. For those looking to buy a home or refinance an existing mortgage, our mortgage loans and refinancing services provide flexible solutions tailored for you. Our knowledgeable staff can guide you through the process from start to finish, ensuring you find the best option for your unique situation.

Stay Connected Anytime

At Zia, we believe that convenience is key. With 24/7 access through our online banking platform and mobile app, managing your accounts is always at your fingertips. If you ever have questions or need assistance, feel free to reach out at (505) 662-4671. Our friendly team is ready to assist you during lobby hours: Monday 8:30 AM - 5 PM; Tuesday 10:00 AM - 5 PM; Wednesday 8:30 AM - 5 PM; Thursday 8:30 AM - 5 PM; Friday 8:00 AM - 6 PM. Whether you're looking for personal finance solutions or business support, let us at Zia be part of your journey toward financial well-being. Visit us today or explore more about our offerings by checking out our website at Main Office. Join us in making smart financial choices together!

Support When You Need It

Sometimes life throws unexpected expenses your way. That's why we offer personal loans and debt consolidation options, giving you the financial relief you need when it matters most. Plus, with our credit cards featuring rewards, you can earn points on every purchase while enjoying the convenience of cashless transactions. For business owners, our business banking services, including merchant services and business loans, are designed to support your growth. Whether you're just starting out or looking to expand, we're here to help your business thrive.

Digital & Online Banking

Accessibility and Security

Your security is our top priority. We employ robust security measures so that your information remains safe while giving you peace of mind. At Zia, we strive to make banking accessible and easy for everyone whether you're checking your account balances or making important transactions. With these digital tools at your disposal, managing your finances has never been easier or more efficient. Join us today at Zia and take advantage of everything our digital banking services have to offer!

Key Services

Our online banking services are just a click away at https://www.ziacu.org/. Whether you need to check your balance, transfer money between accounts, or pay bills, our user-friendly interface makes it easy. You can also enjoy the benefits of e-statements, which allow you to view your financial records without the clutter of paper. Plus, with electronic signature authorization available, signing documents has never been simpler or more secure.

Mobile Banking Features

For those on the go, our mobile application gives you access to all the essential features right from your smartphone. You can make person-to-person transfers effortlessly and even use mobile payments for quick purchases making transactions as smooth as possible. And if you ever need assistance, our 24/7 online banking services ensure help is always available when you need it.

Financial Strength

Commitment to Growth

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. Our lending capacity is robust; with $1,918 in used auto loans and $173,350,438 in total loans and leases, we support members' financial goals across various sectors. Our financial performance also reflects our operational efficiency. Although our net income stands at $0, this allows us to focus on serving you better without compromising service quality.

Dedicated Team of Professionals

We pride ourselves on having a dedicated workforce of 58 full-time employees and 2 part-time employees who are always ready to assist you with their knowledge and commitment.

Growing Member Base

Our total share accounts stand at 23,801, showcasing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments totaling $559,250, we are well-positioned to meet your needs. 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 1001 Central Ave Los Alamos Nm 87544 or call (505) 662-4671 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $61,159,006 in share certificates, offering stable and rewarding financial growth opportunities. 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.

Solid Financial Foundation

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.

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 financing options for both new and used vehicles, making it easier for you to find the right vehicle without breaking the bank.

Credit Lines and Unsecured Credit Cards

We know that financial flexibility is crucial. That's why we offer total credit lines amounting to $42,456,551, providing you with quick access to funds when you need them most. Additionally, our flexible terms on unsecured credit card loans, with a total of $3,242,863 in loans, help members manage their finances effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $0, make buying or refinancing simple. We are here to guide you through every step of the process, ensuring that you have access to affordable financing solutions that meet your needs.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility for one of our loan products, our team is ready to assist you. We can help identify options that may lower your payments or provide better terms based on your current financial situation. Our dedicated team at Zia, located at 1001 Central Ave Los Alamos Nm 87544, Los Alamos, NM 87,544, is here to support you through the borrowing process. If you have any questions or want to explore our offerings further, feel free to reach out by calling us at (505) 662-4671. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. No matter where you are in your financial journey, Zia has the tools and resources to help you succeed!

Loan Aggregator

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