High Desert Community Credit Union

Overview / Commentary

505-334-3074

321 S Main Ave
Aztec, NM 87410

High Desert Community Credit Union is headquartered in Aztec and is the 31^st largest credit union in the state of New Mexico. It is also the 3,563^rd largest credit union in the nation. It was established in 1956 and as of December of 2019, it had grown to 5 employees and 1,797 members at 1 location. High Desert Community Credit Union's savings rates are 3X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in High Desert Community Credit Union is open to the employees of Bloomfield, Aztec, and Blanco school districts, City of Aztec, City of Bloomfield, Southside Domestic Water Association and the Aztec Museum.
See current membership details

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Health

Data as of Q4 2019

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. High Desert Community Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	66185
Year Chartered	1956
Employees	5
Primary Regulator

Profit Margin
Return on Assets - YTD	0.95%
Return on Equity - YTD	8.62%
Annual Interest Income	$714.00K

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$15.8MM$15.2MM
Loans	Q4 2019vs Q4 2018	$11.7MM$11.1MM
Deposits	Q4 2019vs Q4 2018	$13.8MM$13.3MM
Equity Capital	Q4 2019vs Q4 2018	$1.7MM$1.6MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$106.00K$108.00K
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$121.00K$126.00K
Real Estate Owned	Q4 2019vs Q4 2018	$0$0

Rates

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Savings
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not High Desert Community 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.

High Desert Community Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.56%^*	$100k^*	-	Shares
OTHER TIERS: 0.15% → Up to $5k \| 0.25% → $5k - $10k \| 0.50% → $10k - $25k \| 0.75% → $25k - $50k \| 1.00% → $50k - $100k
1.00%	-	-	IRA Daily Share

High Desert Community Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.53%	-	-	36 Month Premium CD
2.53%	-	-	60 Month CD
2.02%	-	-	24 Month Premium CD
2.02%	-	-	48 Month CD
1.76%	-	-	12 Month Premium CD
1.76%	-	-	36 Month CD
1.51%	-	-	24 Month CD
1.26%	-	-	18 Month CD
1.00%	-	-	12 Month CD
0.50%	-	-	6 Month CD

High Desert Community Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.02%	-	-	24 Month IRA CD
1.51%	-	-	12 Month IRA CD

Locations

High Desert Community Credit Union Locations
Branch Office	321 S Main Ave	Aztec, NM 87410-2124

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