Del Norte Credit Union

Overview / Commentary

www.dncu.com

877-818-3628

3286 Cerrillos Rd
Santa Fe, NM 87507

Del Norte Credit Union is headquartered in Santa Fe and is the 7^th largest credit union in the state of New Mexico. It is also the 420^th largest credit union in the nation. It was established in 1954 and as of December of 2022, it had grown to 204 employees and 63,632 members at 8 locations. Del Norte Credit Union's money market rates are 2X the national average, and it has an A health rating.

Field of Membership Restrictions

Del Norte Credit Union is open to individuals who live or work in Los Alamos, Santa Fe, Rio Arriba, Sandoval, Taos, Torrance, Quay, Colfax, Union, Harding, Mora, San Miguel, Guadalupe or Chaves counties, or the Township of Bernalillo, the City of Rio Rancho, or the Village of Corrales. Membership also extends to employees of the Los Alamos National Laboratory, employees of Del Norte and their immediate families. (Requirements are posted in the online account opening process)
See current membership details

Reviews (3)

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Loan Officer

Posted by: romerodg19 | Sep 1, 2021

Wanted to give an A+ rating to Del Norte White Rock branch. Especially to Annisa Martinez and Josh! Annisa made the car buying process pleasant. We were purchasing the Lexus RX 350 that we had been leasing. Annisa worked diligently to make the process seamless. Much thanks!

Debbie and Gerard Romero

Comment

Great Rate, TERRIBLE Online Features,

Posted by: simtech | May 1, 2021

Have a car loan through Del Norte. On all of my calls they were as helpful as possible. Staff was really good and patient with my concerns.
I have concerns about their web security. I was so concerned it caused me to search for another company to get the loan through but no one could beat their rate. The problem that I have is with their web design and security. There is no way to make payments by Echeck or credit/debit card. You have to transfer money via a third party transfer service. The third party wants you to put in your complete banking login information to verify the account or wait several days to verify micro transfers. Even if you jump through the hoops of the third party the money transfer goes to the savings account and you still have to make the payment from there to the loan account. The only way for them to take a card payment via phone is for them to call you back in 1-2 business days, so you have to guess if a blind call from the bank is legit or a phishing attempt. On top of all of this the third party transfer costs $5 every time you make a payment or $15 if they call you to make the payment on the phone. None of these fees would be needed if you could simply fill out an Echeck or debit card field. If this is not fixed I will be driving 45 min to make my payments in person at the branch every month until I can find a competitive rate with another institution.

The Worst Bank, Ever

Posted by: Ajessop | Feb 5, 2023

I have accounts with 6 banks, this is the worst I've ever dealt with. Every time I call, for any reason, whoever I talk to can't do anything and they have to submit a request for me to speak with an "account specialist" and I have to wait 2 business days. Why have customer service people of they can't actually do anything? I made an interest only payment on my auto loan, the bank diverted funds, and would not fix it; in what world does someone need to file fraud charges against their bank, with their other bank? I can't log into my account to make a loan payment because my contact information is incorrect, I can't fix it and that'll take 2 business days for someone to even look at it. I've seriously considering selling my vehicle and getting a new one because dealing with these people is absolutely ridiculous. If I could give them negative stars I would, but the lowest rating I can give is 1.

Comment

Health

Data as of Q4 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #	64759
Year Chartered	1954
Employees	204
Primary Regulator

Profit Margin
Return on Assets - YTD	1.06%
Return on Equity - YTD	11.3%
Annual Interest Income	$32.1MM

Assets and Liabilities
Assets	Q4 2022vs Q4 2021	$1.02B$966.3MM
Loans	Q4 2022vs Q4 2021	$771.1MM$631.1MM
Deposits	Q4 2022vs Q4 2021	$915.9MM$865.1MM
Equity Capital	Q4 2022vs Q4 2021	$95.7MM$92.4MM
Loan Loss Allowance	Q4 2022vs Q4 2021	$3.3MM$4.0MM
Unbacked Noncurrent Loans	Q4 2022vs Q4 2021	$5.1MM$927.00K
Real Estate Owned	Q4 2022vs Q4 2021	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not Del Norte Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Del Norte Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$5	-	Baxter's Bunch
0.25%	$5	-	Score! Teen Program
0.15%	$50	-	IRA Savings Account
0.15%	$50	-	Share Certificate Builder Account
0.15%	$10	-	Holiday Savings
0.10%^*	$25k^*	-	Share Savings Account
OTHER TIERS: 0.05% → $5 - $25k
0.10%^*	$25k^*	-	Business Share Savings Account
OTHER TIERS: 0.05% → $5 - $25k

Del Norte Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$100k^*	-	Money Market Savings Account
OTHER TIERS: 0.50% → $2k - $10k \| 0.55% → $10k - $25k \| 0.65% → $25k - $50k \| 0.85% → $50k - $100k
1.00%^*	$100k^*	-	Business Money Market Savings Account
OTHER TIERS: 0.50% → $2k - $10k \| 0.55% → $10k - $25k \| 0.65% → $25k - $50k \| 0.85% → $50k - $100k

Del Norte Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$1k	-	Star Checking

Del Norte Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.05%	$1k	-	17 Month Share Certificate Speical
4.05%	$1k	-	Business 17 Month Share Certificate Speical
3.91%	$1k	-	31 Month Share Certificate Speical
3.91%	$1k	-	Business 31 Month Share Certificate Speical
2.85%^*	$100k^*	-	60 Month Share Certificate
OTHER TIERS: 2.75% → $1k - $10k \| 2.80% → $10k - $100k
2.85%^*	$100k^*	-	Business 60 Month Share Certificate
OTHER TIERS: 2.75% → $1k - $10k \| 2.80% → $10k - $100k
2.80%^*	$100k^*	-	48 Month Share Certificate
OTHER TIERS: 2.70% → $1k - $10k \| 2.75% → $10k - $100k
2.80%^*	$100k^*	-	Business 48 Month Share Certificate
OTHER TIERS: 2.70% → $1k - $10k \| 2.75% → $10k - $100k
2.75%^*	$100k^*	-	36 Month Share Certificate
OTHER TIERS: 2.65% → $1k - $10k \| 2.70% → $10k - $100k
2.75%^*	$100k^*	-	Business 36 Month Share Certificate
OTHER TIERS: 2.65% → $1k - $10k \| 2.70% → $10k - $100k
2.45%^*	$100k^*	-	24 Month Share Certificate
OTHER TIERS: 2.35% → $1k - $10k \| 2.40% → $10k - $100k
2.45%^*	$100k^*	-	Business 24 Month Share Certificate
OTHER TIERS: 2.35% → $1k - $10k \| 2.40% → $10k - $100k
2.05%^*	$100k^*	-	18 Month Share Certificate
OTHER TIERS: 1.95% → $1k - $10k \| 2.00% → $10k - $100k
2.05%^*	$100k^*	-	Business 18 Month Share Certificate
OTHER TIERS: 1.95% → $1k - $10k \| 2.00% → $10k - $100k
2.00%^*	$100k^*	-	12 Month Share Certificate
OTHER TIERS: 1.90% → $1k - $10k \| 1.95% → $10k - $100k
2.00%^*	$100k^*	-	Business 12 Month Share Certificate
OTHER TIERS: 1.90% → $1k - $10k \| 1.95% → $10k - $100k
1.50%^*	$100k^*	-	9 Month Share Certificate
OTHER TIERS: 1.40% → $1k - $10k \| 1.45% → $10k - $100k
1.50%^*	$100k^*	-	Business 9 Month Share Certificate
OTHER TIERS: 1.40% → $1k - $10k \| 1.45% → $10k - $100k
1.40%^*	$100k^*	-	6 Month Share Certificate
OTHER TIERS: 1.30% → $1k - $10k \| 1.35% → $10k - $100k
1.40%^*	$100k^*	-	Business 6 Month Share Certificate
OTHER TIERS: 1.30% → $1k - $10k \| 1.35% → $10k - $100k
0.70%^*	$100k^*	-	3 Month Share Certificate
OTHER TIERS: 0.60% → $1k - $10k \| 0.65% → $10k - $100k
0.70%^*	$100k^*	-	Business 3 Month Share Certificate
OTHER TIERS: 0.60% → $1k - $10k \| 0.65% → $10k - $100k

Del Norte Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.05%	$1k	-	17 Month IRA Certificate Special
3.91%	$1k	-	31 Month IRA Certificate Special
2.85%^*	$100k^*	-	60 Month IRA Certificate
OTHER TIERS: 2.75% → $1k - $10k \| 2.80% → $10k - $100k
2.80%^*	$100k^*	-	48 Month IRA Certificate
OTHER TIERS: 2.70% → $1k - $10k \| 2.75% → $10k - $100k
2.75%^*	$100k^*	-	36 Month IRA Certificate
OTHER TIERS: 2.65% → $1k - $10k \| 2.70% → $10k - $100k
2.40%^*	$10k^*	-	24 Month IRA Certificate
OTHER TIERS: 2.35% → $1k - $10k
2.05%^*	$100k^*	-	18 Month IRA Certificate
OTHER TIERS: 1.95% → $1k - $10k \| 2.00% → $10k - $100k
2.00%^*	$100k^*	-	12 Month IRA Certificate
OTHER TIERS: 1.90% → $1k - $10k \| 1.95% → $10k - $100k
1.50%^*	$100k^*	-	9 Month IRA Certificate
OTHER TIERS: 1.40% → $1k - $10k \| 1.45% → $10k - $100k
1.40%^*	$100k^*	-	6 Month IRA Certificate
OTHER TIERS: 1.30% → $1k - $10k \| 1.35% → $10k - $100k
0.70%^*	$100k^*	-	3 Month IRA Certificate
OTHER TIERS: 0.60% → $1k - $10k \| 0.65% → $10k - $100k

Locations

Del Norte Credit Union Locations
Branch Office	1216 N Paseo de Onate	Espanola, NM 87532
Branch Office	3286 Cerrillos Rd	Santa Fe, NM 87507
Branch Office	40 Rover Blvd	White Rock, NM 87547
Branch Office	510 N Guadalupe St Ste A	Santa Fe, NM 87501-6510
Branch Office	1000 Trinity Dr	Los Alamos, NM 87544
Branch Office	604 W San Mateo Rd	Santa Fe, NM 87505
Branch Office	3634 NM Hwy 528 NE Suite 101	Rio Rancho, NM 87144
Branch Office	1720 N Riverside Dr	Espanola, NM 87532

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