Featured Savings Rates
Featured Accounts

Nusenda Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
3.23%5-year CD60 Month CD
3.23%5-year IRA60 Month IRA (Traditional, Roth, CESA)
1.20%1-year CD12 Month CD

Overview / Commentary
505-889-7755
4100 Pan American FWY NE
Albuquerque, NM 87107

Nusenda Credit Union is headquartered in Albuquerque and is the 2nd largest credit union in the state of New Mexico. It is also the 120th largest credit union in the nation. It was established in 1936 and as of December of 2017, it had grown to 467 employees and 181,416 members at 19 locations. Nusenda Credit Union's CD rates are 33% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Nusenda Credit Union is open to anyone through joining the New Mexico Wilderness Alliance ($35 membership fee). Membership is also open to those who live, work, worship, or attend school in Socorro, Taos, or Valencia County. (Membership requirements are listed in the credit union's online application)
See current membership details

Related Posts

Nationally Available 60-Month CD At Nusenda CU - 3/13/2018

Nusenda Credit Union's (easy membership) 60-month Share Certificate has seven APYs between 2.78% - 3.23%, based on minimum deposits of $1k to $200k.

Reviews (5)

A good place to bank

I had both a savings and checking account with Nusenda and overall, it was a good experience. I once wrote a check for rent from the account that was about to bounce, and they called me to give me a chance to rectify the issue before allowing the check to be cashed. They also reversed overdraft fees a couple of times after I asked and offered them an explanation for why I was overdrawn. Every time I've entered the branch near my home, they've been polite and courteous to me. The setup process for getting an online account was kind of confusing, but I imagine they've fixed that since I was a member. Once I had an account, I found it relatively easy to use.

I like Nusenda

Posted by: Jay1001 | Oct 26, 2016

I've been pleased with Nusenda's checking. There's no fees and no minimum, assuming you waive paper statements. (Monthly statements are still accessible in .PDF format.) At the local Lomas Blvd. branch, I've found staff to be friendly and helpful. The teller lines can get a bit long during peak check cashing times, but at least the coffee's free. (And I use direct deposit so it rarely effects me.)

great

I have had nothing but great experiences with this bank. It is easy to set up an account with them and the customer service is outstanding. I once had an issue with fraud, my paypal account was hacked and all the funds from my credit union account were withdrawn. They were extremely prompt to work with me to rectify the situation. I really appreciate that they didn't hassle me or make me feel like I was lying or that it was my fault.

Overall New Mexico Educators Credit Union is a fantastic credit union.

Terrible Experience. Misleading Info. AVOID.

I wanted to open a Nusenda account on 3/15/2018. I paid $35 to the New Mexico Wilderness Alliance to qualify for membership. Nusenda did a hard pull on my credit and then said I had to come into a branch to open an account. What a load of garbage! This is in direct conflict with what they claim online.

Take Time To Shop Around

Not happy with Nusena (formerly NM Educators). In January, 2016, they changed over to a "new and improved" internet computer system; it took me over 4 hours to get my three accounts up and running afterward. They pay .35% on an IRA account--that's terribly uncompetitive! Ally, for example, offers 1%, plus a bonus if you transfer from another IRA account. Shop around--there are lots of CUs and banks out there.



Health

Health Grade Components

Overall
NCUA #948
Year Chartered1936
Employees467
Primary Regulator
Profit Margin
Return on Assets - YTD1.04%
Return on Equity - YTD10.07%
Annual Interest Income$73.5MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$2.05B$1.87B
LoansQ4 2017vs Q4 2016$1.68B$1.51B
DepositsQ4 2017vs Q4 2016$1.81B$1.65B
Equity CapitalQ4 2017vs Q4 2016$210.0MM$187.8MM
Loan Loss AllowanceQ4 2017vs Q4 2016$11.8MM$9.6MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$9.3MM$8.1MM
Real Estate OwnedQ4 2017vs Q4 2016$0$23.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Nusenda Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%--IRA Share
0.30%--Holiday Club
0.30%--Vacation Club
0.15%*$10k*-Regular Savings
OTHER TIERS: 0.10% $100 - $10k
0.05%$2k-Transaction Savings

Nusenda Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$200k*-Money Market Account
OTHER TIERS: 0.10% $2,500 - $25k | 0.20% $25k - $50k | 0.25% $50k - $75k | 0.35% $75k - $100k | 0.40% $100k - $200k

Nusenda Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$100k*-Dividend Checking
OTHER TIERS: 0.05% $2,500 - $10k | 0.10% $10k - $25k | 0.20% $25k - $100k

Nusenda Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.23%*$200k*-60 Month CD
OTHER TIERS: 2.78% $1k - $10k | 2.88% $10k - $25k | 2.98% $25k - $50k | 3.03% $50k - $75k | 3.08% $75k - $100k | 3.13% $100k - $200k
2.30%*$200k*-24 Month CD
OTHER TIERS: 1.85% $1k - $10k | 1.95% $10k - $25k | 2.05% $25k - $50k | 2.10% $50k - $75k | 2.15% $75k - $100k | 2.20% $100k - $200k
1.78%*$200k*-48 Month CD
OTHER TIERS: 1.33% $1k - $10k | 1.43% $10k - $25k | 1.53% $25k - $50k | 1.58% $50k - $75k | 1.63% $75k - $100k | 1.68% $100k - $200k
1.74%*$200k*-36 Month CD
OTHER TIERS: 1.29% $1k - $10k | 1.39% $10k - $25k | 1.49% $25k - $50k | 1.54% $50k - $75k | 1.59% $75k - $100k | 1.64% $100k - $200k
1.55%*$200k*-36 Month Bump Rate CD
OTHER TIERS: 1.10% $1k - $10k | 1.20% $10k - $25k | 1.30% $25k - $50k | 1.35% $50k - $75k | 1.40% $75k - $100k | 1.45% $100k - $200k
1.35%*$200k*-18 Month CD
OTHER TIERS: 0.90% $1k - $10k | 1.00% $10k - $25k | 1.10% $25k - $50k | 1.15% $50k - $75k | 1.20% $75k - $100k | 1.25% $100k - $200k
1.25%*$200k*-18 Month Bump Rate CD
OTHER TIERS: 0.80% $1k - $10k | 0.90% $10k - $25k | 1.00% $25k - $50k | 1.05% $50k - $75k | 1.10% $75k - $100k | 1.15% $100k - $200k
1.20%*$200k*-12 Month CD
OTHER TIERS: 0.75% $1k - $10k | 0.85% $10k - $25k | 0.95% $25k - $50k | 1.00% $50k - $75k | 1.05% $75k - $100k | 1.10% $100k - $200k
0.60%*$200k*-6 Month CD
OTHER TIERS: 0.15% $1k - $10k | 0.25% $10k - $25k | 0.35% $25k - $50k | 0.40% $50k - $75k | 0.45% $75k - $100k | 0.50% $100k - $200k
0.57%*$200k*-3 Month CD
OTHER TIERS: 0.12% $1k - $10k | 0.22% $10k - $25k | 0.32% $25k - $50k | 0.37% $50k - $75k | 0.42% $75k - $100k | 0.47% $100k - $200k

Nusenda Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.23%*$200k*-60 Month IRA
OTHER TIERS: 2.78% $500 - $10k | 2.88% $10k - $25k | 2.98% $25k - $50k | 3.03% $50k - $75k | 3.08% $75k - $100k | 3.13% $100k - $200k
2.30%*$200k*-24 Month IRA
OTHER TIERS: 1.85% $500 - $10k | 1.95% $10k - $25k | 2.05% $25k - $50k | 2.10% $50k - $75k | 2.15% $75k - $100k | 2.20% $100k - $200k
1.78%*$200k*-48 Month IRA
OTHER TIERS: 1.33% $500 - $10k | 1.43% $10k - $25k | 1.53% $25k - $50k | 1.58% $50k - $75k | 1.63% $75k - $100k | 1.68% $100k - $200k
1.74%*$200k*-36 Month IRA
OTHER TIERS: 1.29% $500 - $10k | 1.39% $10k - $25k | 1.49% $25k - $50k | 1.54% $50k - $75k | 1.59% $75k - $100k | 1.64% $100k - $200k
1.55%*$200k*-36 Month Bump Rate IRA
OTHER TIERS: 1.10% $500 - $10k | 1.20% $10k - $25k | 1.30% $25k - $50k | 1.35% $50k - $75k | 1.40% $75k - $100k | 1.45% $100k - $200k
1.35%*$200k*-18 Month IRA
OTHER TIERS: 0.90% $500 - $10k | 1.00% $10k - $25k | 1.10% $25k - $50k | 1.15% $50k - $75k | 1.20% $75k - $100k | 1.25% $100k - $200k
1.25%*$200k*-18 Month Bump Rate IRA
OTHER TIERS: 0.80% $500 - $10k | 0.90% $10k - $25k | 1.00% $25k - $50k | 1.05% $50k - $75k | 1.10% $75k - $100k | 1.15% $100k - $200k
1.20%*$200k*-12 Month IRA
OTHER TIERS: 0.75% $500 - $10k | 0.85% $10k - $25k | 0.95% $25k - $50k | 1.00% $50k - $75k | 1.05% $75k - $100k | 1.10% $100k - $200k
0.60%*$200k*-6 Month IRA
OTHER TIERS: 0.15% $500 - $10k | 0.25% $10k - $25k | 0.35% $25k - $50k | 0.40% $50k - $75k | 0.45% $75k - $100k | 0.50% $100k - $200k
0.57%*$200k*-3 Month IRA
OTHER TIERS: 0.12% $500 - $10k | 0.22% $10k - $25k | 0.32% $25k - $50k | 0.37% $50k - $75k | 0.42% $75k - $100k | 0.47% $100k - $200k
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