High Desert Community Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

highdesertcu.org

505-334-3074

321 S Main Ave
Aztec, NM 87410

High Desert Community Credit Union is headquartered in Aztec and is the 30^th largest credit union in the state of New Mexico. It is also the 3,312^th largest credit union in the nation. It was established in 1956 and as of March of 2025, it had grown to 4 employees and 2,008 members at 1 location. High Desert Community Credit Union's CD rates are 3X the national average, and it has a C+ 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

Reviews

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Health

C+

Data as of Q1 2025

Learn why bank health matters

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	4
Primary Regulator

Profit Margin
Return on Assets - YTD	0.1%
Return on Equity - YTD	0.75%
Annual Interest Income	$213K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$17.1MM$19.2MM
Loans	Q1 2025vs Q1 2024	$9MM$10.5MM
Deposits	Q1 2025vs Q1 2024	$14.8MM$16.8MM
Equity Capital	Q1 2025vs Q1 2024	$2.2MM$2.4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$126K$122K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$169K$255K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
CD
IRA

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* 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	VIEW DETAILS
0.35%	$0	-	Shares

High Desert Community Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.06%	$0	-	14 Month CD
3.82%	$0	-	7 Month CD
3.04%	$0	-	6 Month CD
3.04%	$0	-	12 Month CD
3.00%	$0	-	60 Month CD
2.89%	$0	-	48 Month CD
2.78%	$0	-	36 Month CD
2.68%	$0	-	24 Month CD
2.58%	$0	-	18 Month CD

High Desert Community Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.04%	$0	-	12 Month IRA CD
2.68%	$0	-	24 Month IRA CD
0.50%	$0	-	IRA Daily Share

Locations

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

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