Zia Credit Union Santa Fe NM | Affordable Auto Loans & Mortgage Refinancing

Introduction

Welcome to Zia, your trusted partner in financial wellness, located at 111 N Saint Francis Dr, Santa Fe, NM 87501. Established in 1955, we have proudly served our community for over six decades, building a reputation for reliability and member-focused service. With a total membership of 12,871 and assets amounting to an impressive $231,613,071, we strive to provide comprehensive financial solutions tailored to meet the unique needs of our members. At Zia, we understand that every financial journey is personal. Whether you're looking for auto loans, savings accounts, or business banking services, our dedicated team is here to support you every step of the way. Under the leadership of CEO Dwayne Herrera and Board President Juan Carlos Garcia, our staff of 60 employees is committed to enhancing your banking experience with expertise and a friendly approach. While members can visit us at our Santa Fe branch for all their banking needs, official correspondence should be sent to our mailing address: P.O. Box 490, Los Alamos, NM 87544. We invite you to explore our range of services including personal banking, loans, and online resources designed to make managing your finances easier than ever. As a member-driven credit union with total deposits reaching $9,576,861 and a net worth of $18,810,737, we are proud to reinvest in our community and offer competitive rates that benefit everyone involved. From simple transactions at our drive-thru service to complex financial planning through our online banking platform at ziacu.org, we're here for you. Feel free to reach out by phone at 505-372-4938 or drop by during our operating hours: Monday through Friday. Join us in shaping a brighter financial future together your journey starts here!

Branch History & Mission

Community Engagement

Zia is committed not just to providing financial services but also to making a positive impact within our community. We partner with local organizations and participate in outreach programs designed to uplift those around us. Our dedication extends beyond numbers; it's about building relationships and fostering growth within our neighborhoods. As technology advances, we embrace digital innovations while ensuring accessibility for all members. Our online banking services, mobile applications, and e-statements make managing finances easy and efficient. We prioritize security and ADA compliance so that everyone can use our services comfortably.

Join Us Today!

We invite you to become part of the Zia family! Experience personalized financial services tailored to your needs while contributing to a community-focused organization. Visit us today at 111 N Saint Francis Dr or explore more about membership on our website at ziacu.org. Together, let's build a brighter financial future! If you have any questions or need assistance, feel free to call us at 505-372-4938.

Our Mission

At Zia, our mission is simple yet powerful: We strive to empower our members through accessible financial services while actively engaging in community support. We believe that everyone deserves financial stability and opportunities to thrive. Whether you're looking for personal banking options like checking accounts or loans, or business banking solutions, we are here to help you navigate your financial journey. We understand the importance of being available when you need us. That's why we offer flexible operating hours throughout the week: Monday through Wednesday from 8:30 AM to 5:00 PM, Thursday from 8:30 AM to 5:00 PM, and Friday from 8:00 AM to 6:00 PM. Our drive-thru service provides added convenience for quick transactions.

Branch Location & Accessibility

Come Visit Us!

We invite you to explore all that Zia has to offer right here in Santa Fe. Whether you have questions about our services or want help with your banking needs, please don't hesitate to call us at 505-372-4938 or visit our website at ziacu.org. Our friendly staff looks forward to serving you!

Convenient Access

Our branch features ample parking to ensure your visit is hassle-free. We take pride in being ADA compliant, with ramps and accessible entrances available for everyone. If you prefer to conduct your banking without leaving your vehicle, we offer a drive-thru service for quick transactions. While members can visit us at our physical location, official correspondence should be sent to P.O. Box 490, Los Alamos, NM 87544.

Friendly Banking Hours

At Zia's Santa Fe Office, we're here when you need us! Our lobby hours are designed to fit your busy schedule: we're open Monday from 8:30 AM to 5:00 PM, Tuesday from 10:00 AM to 5:00 PM (with extended drive-thru hours until 5:30 PM), Wednesday and Thursday from 8:30 AM to 5:00 PM, and Friday from 8:00 AM to 6:00 PM. Feel free to drop by during these times; our dedicated team is eager to assist you with services ranging from checking and savings accounts to auto loans and mortgage refinancing.

Member Eligibility

At Zia, we believe that becoming a member is not just about opening an account; it's about joining a community that genuinely cares for its members. To be eligible, you'll want to check if you fall into one of our membership categories, which are thoughtfully designed to welcome individuals from various walks of life in our area. Whether you live, work, worship, or attend school in the community surrounding 111 N Saint Francis Dr Santa Fe Nm 87501, there's a good chance you're already part of our family! We encourage you to explore more about these eligibility details by visiting us at https://www.ziacu.org/membership. Opening your account is as easy as pie! With just a few simple steps, you can start enjoying all the benefits that come with being a member of Zia. From personalized financial services to competitive loan options, we're here to support your financial journey. If you have any questions or need assistance along the way, feel free to reach out at (505) 372-4938. We can't wait to welcome you in person or online! For detailed information on how to open an account, please visit https://online.ziacu.org/enrollment.

Business Banking & Commercial Services

Business 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.

Merchant Services That Matter

Imagine a bustling café that needs quick payment processing or a retail store looking for ways to improve customer experience at checkout. Our merchant services offer practical solutions like easy credit card processing and online payment options, allowing you to focus on what you do best running your business. Located conveniently at 111 N Saint Francis Dr Santa Fe Nm 87501, Santa Fe, NM, we're here to support your journey every step of the way. For more information, reach us at (505) 372-4938 or visit our website at https://www.ziacu.org/.

Comprehensive List Of Services

Business Banking Services

For business owners, we recognize the importance of having reliable banking support. Our business banking services, including merchant services and business loans, are designed to help your enterprise thrive without the usual stress associated with managing finances.

Credit Options for Every Need

Life can throw unexpected expenses your way. That's why we offer personal loans and debt consolidation services to help ease financial burdens when they arise. If you're looking to earn rewards on your spending, our credit cards with rewards program lets you enjoy benefits while making everyday purchases.

Digital Convenience

In today's fast-paced world, convenience matters. At Santa Fe Office, we provide robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. With options like mobile payments and person-to-person transfers, staying on top of your finances has never been easier.

In-Person Support

While digital banking is convenient, sometimes you need face-to-face assistance. Our branch offers basic drive-thru banking for quick deposits and withdrawals along with shared branch transactions for members of partner credit unions making it easier than ever to access your funds when needed.

Let Us Help You Today!

At Zia, we're dedicated to helping you achieve your financial goals with our comprehensive range of services. Whether you're visiting us in person at 111 N Saint Francis Dr Santa Fe Nm 87501, calling us at (505) 372-4938, or accessing our online resources at https://www.ziacu.org/, we're here for you every step of the way. Reach out today, and let's start building a brighter financial future together!

Personal Banking Solutions

Whether you're opening your first checking account or saving for a major purchase, our personal banking options have you covered. We offer checking and savings accounts designed to make managing your money easy and straightforward. If you're looking to finance a new vehicle, our auto loans and vehicle financing services can get you on the road quickly with competitive rates and flexible terms. For those planning to buy a home, our mortgage loans and refinancing options provide the support you need to secure your dream property.

Digital & Online Banking

Key Features for You

Our online banking services are available 24/7, allowing you to check balances, transfer funds, and pay bills whenever it fits your schedule. Plus, with features like electronic signature authorization, you can complete important transactions quickly and securely without needing to visit a branch. For those who prefer a more mobile experience, our mobile application offers all the same features right at your fingertips. Whether you're making person-to-person transfers or managing your e-statements, our app is designed for ease of use. Need to make a quick payment? With our mobile payments feature, you can send money instantly to friends or family, making transactions hassle-free.

Safe and Accessible Banking

Security is always a priority at Zia. Our online systems are equipped with advanced security measures to protect your personal information while giving you peace of mind. You can feel confident in managing your finances digitally. We also believe in providing options that enhance accessibility for everyone. Our e-statements allow you to view your financial statements electronically, making it easy to stay organized and reduce paper clutter. In short, whether you're using a computer or a smartphone, Zia makes digital banking straightforward and secure. Explore our offerings today at https://www.ziacu.org/ and take control of your financial journey!

Financial Strength

At Zia, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With our commitment to maintaining strong financial health, you can rest assured that your finances are in good hands. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $18,810,737, we maintain robust 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. 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. Our $14,944,071 in undivided earnings allows us to reinvest in innovative banking tools and stronger lending options to serve you better. With $1,918 in used auto loans and $173,350,438 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 58 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts stand at 23,801, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $559,250. 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 111 N Saint Francis Dr Santa Fe Nm 87501 or call (505) 372-4938 to learn more about how we can help you achieve your financial goals.

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 make the process simple and straightforward, so you can focus on what really matters enjoying your new ride.

Credit Lines and Unsecured Loans

In addition to auto and mortgage loans, we also provide credit lines totaling $42,456,551 to help you manage larger purchases or unexpected expenses. Our unsecured credit card loans offer flexible terms as well, with a total of $3,242,863 in loans assisting members in managing their finances effectively. At Zia, we believe that access to financial resources should be easy and approachable for everyone. If you're interested in any of these offerings or want more information about refinancing options, please don't hesitate to reach out. You can contact us at (505) 372-4938, visit our branch located at 111 N Saint Francis Dr Santa Fe Nm 87501, or explore our website for more details: https://www.ziacu.org/. We look forward to helping you achieve your financial aspirations! *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

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, allowing you to invest in a place you can truly call home. If you're considering refinancing your current mortgage, we can guide you through eligibility options and help you find the best solution for your situation.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

LendMesh prioritizes transparency and reliability in its comparisons. 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 approach ensures that users receive fair and transparent offers.

Zia