Del Norte Credit Union


Overview / Commentary
877-818-3628
3286 Cerrillos Rd
Santa Fe, NM 87507

Del Norte Credit Union is headquartered in Santa Fe and is the 5th largest credit union in the state of New Mexico. It is also the 402nd largest credit union in the nation. It was established in 1954 and as of March of 2024, it had grown to 219 employees and 62,387 members at 8 locations. Del Norte Credit Union's CD rates are 5X 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 the New Mexico counties of Chaves, Colfax, Guadalupe, Harding, Los Alamos, Mora, Quay, Rio Arriba, San Miguel, Sandoval, Santa Fe, Taos, Torrance, or Union. Those in contiguous states that are living or working within 150 miles of the city of Raton are also eligible to join. Employees of the Los Alamos National Laboratory (LANL) and other personnel assigned to LANL also qualify.
See current membership details

Reviews (6)

Great Credit Union

Posted by: |

We decided to become members. We signed up for a savings account online, which was opened immediately for mine, and took a day or 2 for my husbands, as his didn't open immediately. Within a few days, we also opened 2 CD's over video chat, instead of having to drive an hour to the nearest CU. It couldn't have been any easier. They took our info and had an account specialist call us, then do the video chat, to verify our identity by seeing our faces over video and showing them in that video, a copy of our drivers licenses. Within 5 days our CD's were opened. And everyone was very helpful and friendly, not to mention the great CD rate we got. Highly recommend Del Norte CU.

Loan Officer

Posted by: |

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

Nice CD Statements

Posted by: |

Besides one of the best rates nationwide, CD statements are nicely detailed and professional looking. Most institutions we've dealt with can't hold a candle to customer service.

Great Rate, TERRIBLE Online Features,

Posted by: |

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.

Credit Card Issue

Posted by: |

I'm leaving a bad review here for this credit union bc I am moving and closed down my card a day before I went in to get my money off the card, mind you, the person I talked to on phone didn't say this would be an issue. However, when I went into bank to get my money, the teller said since I closed my card, they couldn't give it to me! I'm MOVING AND HAD NO ADDRESS FOR A NEW CARD TO BE SENT TO ME. But no, they were sticklers about it. Once, in the past, I had to wait almost 3 months for a new card from them bc they were having problems with their card making machines or some lame excuse. So let's see how long I'll have to wait for this card! (I was forced to use my son's address, who's box is sometimes pilfered through on Agua Fria. What a headache. I will never suggest this credit union to anyone.

The Worst Bank, Ever

Posted by: |

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.



Health

Health Grade Components

Overall
NCUA #64759
Year Chartered1954
Employees219
Primary Regulator
Profit Margin
Return on Assets - YTD0.85%
Return on Equity - YTD8.76%
Annual Interest Income$13.3MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.14B$1.03B
LoansQ1 2024vs Q1 2023$894.7MM$782.3MM
DepositsQ1 2024vs Q1 2023$1.02B$925.4MM
Equity CapitalQ1 2024vs Q1 2023$107.7MM$99.5MM
Loan Loss AllowanceQ1 2024vs Q1 2023$8.5MM$4.1MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$3.7MM$3.2MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$50-IRA Savings Account
0.25%$50-Share Certificate Builder Account
0.25%$10-Holiday Savings
0.25%$5-Baxter's Bunch
0.25%$5-Score! Teen Program
0.20%*$50k*-Share Savings Account
OTHER TIERS: 0.10% $5 - $25k | 0.15% $25k - $50k
0.20%*$50k*-Business Share Savings Account
OTHER TIERS: 0.10% $5 - $25k | 0.15% $25k - $50k

Del Norte Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%*$100k*-Money Market Savings Account
OTHER TIERS: 0.75% $2k - $10k | 0.80% $10k - $25k | 1.00% $25k - $50k | 1.26% $50k - $100k
1.51%*$100k*-Business Money Market Savings Account
OTHER TIERS: 0.75% $2k - $10k | 0.80% $10k - $25k | 1.00% $25k - $50k | 1.25% $50k - $100k

Del Norte Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$1k-Star Checking

Del Norte Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.39%$1k-13 Month Share Certificate Special
5.39%$1k-Business 13 Month Share Certificate Special
5.13%$1k-8 Month Share Certificate Special
5.13%$1k-Business 8 Month Share Certificate Special
4.65%*$100k*-3 Month Share Certificate
OTHER TIERS: 4.55% $1k - $10k | 4.60% $10k - $100k
4.65%*$100k*-6 Month Share Certificate
OTHER TIERS: 4.55% $1k - $10k | 4.60% $10k - $100k
4.65%*$100k*-9 Month Share Certificate
OTHER TIERS: 4.55% $1k - $10k | 4.60% $10k - $100k
4.65%*$100k*-12 Month Share Certificate
OTHER TIERS: 4.55% $1k - $10k | 4.60% $10k - $100k
4.65%*$100k*-Business 3 Month Share Certificate
OTHER TIERS: 4.55% $1k - $10k | 4.60% $10k - $100k
4.65%*$100k*-Business 6 Month Share Certificate
OTHER TIERS: 4.55% $1k - $10k | 4.60% $10k - $100k
4.65%*$100k*-Business 9 Month Share Certificate
OTHER TIERS: 4.55% $1k - $10k | 4.60% $10k - $100k
4.65%*$100k*-Business 12 Month Share Certificate
OTHER TIERS: 4.55% $1k - $10k | 4.60% $10k - $100k
3.87%*$100k*-18 Month Share Certificate
OTHER TIERS: 3.77% $1k - $10k | 3.82% $10k - $100k
3.87%*$100k*-Business 18 Month Share Certificate
OTHER TIERS: 3.77% $1k - $10k | 3.82% $10k - $100k
3.61%*$100k*-24 Month Share Certificate
OTHER TIERS: 3.51% $1k - $10k | 3.56% $10k - $100k
3.61%*$100k*-Business 24 Month Share Certificate
OTHER TIERS: 3.51% $1k - $10k | 3.56% $10k - $100k
3.35%*$100k*-36 Month Share Certificate
OTHER TIERS: 3.25% $1k - $10k | 3.30% $10k - $100k
3.35%*$100k*-Business 36 Month Share Certificate
OTHER TIERS: 3.25% $1k - $10k | 3.30% $10k - $100k
3.20%*$100k*-48 Month Share Certificate
OTHER TIERS: 3.10% $1k - $10k | 3.15% $10k - $100k
3.20%*$100k*-60 Month Share Certificate
OTHER TIERS: 3.10% $1k - $10k | 3.15% $10k - $100k
3.20%*$100k*-Business 48 Month Share Certificate
OTHER TIERS: 3.10% $1k - $10k | 3.15% $10k - $100k
3.20%*$100k*-Business 60 Month Share Certificate
OTHER TIERS: 3.10% $1k - $10k | 3.15% $10k - $100k

Del Norte Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.39%$1k-13 Month IRA Certificate Special
5.13%$1k-8 Month IRA Certificate Special
4.65%*$100k*-3 Month IRA Certificate
OTHER TIERS: 4.55% $1k - $10k | 4.60% $10k - $100k
4.65%*$100k*-6 Month IRA Certificate
OTHER TIERS: 4.55% $1k - $10k | 4.60% $10k - $100k
4.65%*$100k*-9 Month IRA Certificate
OTHER TIERS: 4.55% $1k - $10k | 4.60% $10k - $100k
4.65%*$100k*-12 Month IRA Certificate
OTHER TIERS: 4.55% $1k - $10k | 4.60% $10k - $100k
3.87%*$100k*-18 Month IRA Certificate
OTHER TIERS: 3.77% $1k - $10k | 3.82% $10k - $100k
3.61%*$100k*-24 Month IRA Certificate
OTHER TIERS: 3.51% $1k - $10k | 3.56% $10k - $100k
3.35%*$100k*-36 Month IRA Certificate
OTHER TIERS: 3.25% $1k - $10k | 3.30% $10k - $100k
3.20%*$100k*-48 Month IRA Certificate
OTHER TIERS: 3.10% $1k - $10k | 3.15% $10k - $100k
3.20%*$100k*-60 Month IRA Certificate
OTHER TIERS: 3.10% $1k - $10k | 3.15% $10k - $100k
Locations


Del Norte Credit Union Locations
Branch Office1216 N Paseo de OnateEspanola, NM 87532
Branch Office3286 Cerrillos RdSanta Fe, NM 87507
Branch Office40 Rover BlvdWhite Rock, NM 87547
Branch Office510 N Guadalupe St Ste ASanta Fe, NM 87501-6510
Branch Office1000 Trinity DrLos Alamos, NM 87544
Branch Office604 W San Mateo RdSanta Fe, NM 87505
Branch Office3634 NM Hwy 528 NE Suite 101Rio Rancho, NM 87144
Branch Office1720 N Riverside DrEspanola, NM 87532

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