Advertising Disclosure
  1. Home
  2. Banks
  3. U-1st Community Federal Credit Union

U-1st Community Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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
u1stcommfcu.net
575-887-1785
601 N Canal St
Carlsbad, NM 88220

U-1st Community Federal Credit Union is headquartered in Carlsbad and is the 33rd largest credit union in the state of New Mexico. It is also the 3,707th largest credit union in the nation. It was established in 1955 and as of December of 2024, it had grown to 3 employees and 867 members at 1 location. U-1st Community Federal Credit Union's money market rates are 4X the national average, and it has a B health rating.

Field of Membership Restrictions

U-1st Community Federal Credit Union is open to businesses and anyone who lives, works, worships, or volunteers in Eddy County, New Mexico. Immediate family may also join.
See current membership details

Reviews

No reviews have been left for this bank yet. Be the first to review.



Health
B

Data as of Q4 2024

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. U-1st Community Federal Credit Union has a very low asset base.

Health Grade Components

Overall
NCUA #10580
Year Chartered1955
Employees3
Primary Regulator
Profit Margin
Return on Assets - YTD1.02%
Return on Equity - YTD7%
Annual Interest Income$475K
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$9.3MM$9.1MM
LoansQ4 2024vs Q4 2023$6MM$6.2MM
DepositsQ4 2024vs Q4 2023$7.9MM$7.8MM
Equity CapitalQ4 2024vs Q4 2023$1.4MM$1.3MM
Loan Loss AllowanceQ4 2024vs Q4 2023$86K$110K
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$94K$0
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.54%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.36%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/29/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not U-1st Community Federal 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.

U-1st Community Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$1k$250kSpecial (Club) Savings Account
0.25%$1k$250kRegular Savings Account
0.25%$25-Elly the Elephant Kids Account
0.25%$25$250kYoung Investor Account

U-1st Community Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.77%*$100k*$250kMoney Market Checking Account
OTHER TIERS: 1.01% → $2.5k - $50k | 1.52% → $50k - $100k

U-1st Community Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$1.5k$250kSenior Checking Account

U-1st Community Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.49%$1k$250k24 Month CD
3.28%$1k$250k12 Month CD
3.24%$1k$250k36 Month CD
3.03%$1k$250k18 Month CD
2.78%$1k$250k6 Month CD

U-1st Community Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$250$250kShare IRA
Locations


U-1st Community Federal Credit Union Locations
Branch Office601 N Canal StCarlsbad, NM 88220-5805

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.