Credit Cards · New Mexico
23 credit unions in New Mexico report credit card APRs to the NCUA. Rates range from 9.90% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
23
CUs Reporting Rates
9.90%
Lowest Card APR
12.69%
State Average APR
14
Cities Covered
23 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | U-1ST COMMUNITY CARLSBAD | 9.90% | 13.46% |
| 2 | ARTESIA Artesia | 9.90% | 10.73% |
| 3 | LOS ALAMOS SCHOOLS Los Alamos | 10.00% | 13.99% |
| 4 | ZIA Los Alamos | 10.18% | 16.25% |
| 5 | EDDY Carlsbad | 10.40% | 14.92% |
| 6 | CANNON CLOVIS | 10.61% | 13.30% |
| 7 | KIRTLAND ALBUQUERQUE | 10.78% | 12.43% |
| 8 | ESTACADO HOBBS | 12.25% | 16.49% |
| 9 | EVERYONE'S Tucumcari | 12.26% | 8.55% |
| 10 | STATE EMPLOYEES Santa Fe | 12.50% | 13.50% |
| 11 | NUSENDA ALBUQUERQUE | 12.50% | 13.21% |
| 12 | SANDIA AREA Albuquerque | 12.52% | 11.97% |
| 13 | FIRST FINANCIAL Albuquerque | 12.90% | 19.99% |
| 14 | THE FLORIST ROSWELL | 12.95% | 12.20% |
| 15 | DEL NORTE Los Alamos | 13.49% | 17.99% |
| 16 | LOCO ALAMOGORDO | 13.90% | 18.75% |
| 17 | ROSWELL COMMUNITY Roswell | 13.90% | 14.65% |
| 18 | GUADALUPE Santa Fe | 13.92% | 12.49% |
| 19 | OTERO Alamogordo | 13.96% | 10.99% |
| 20 | FINANCIAL SECURITY CARLSBAD | 14.60% | 16.88% |
| 21 | RIO GRANDE Albuquerque | 15.16% | 11.72% |
| 22 | SUNWARD Albuquerque | 15.25% | 10.50% |
| 23 | U.S. EAGLE Albuquerque | 18.00% | 10.90% |
Credit unions are member-owned nonprofits. Instead of returning profits to shareholders, they pass savings back to members in the form of lower loan rates — including credit cards. The average credit union card APR is typically 4–6 percentage points lower than bank cards.
You must be a member first. Most community credit unions in New Mexico accept anyone who lives, works, or worships in their service area. Once you join (often with just a $5 savings deposit), you can apply for any product they offer.
These rates come from NCUA Call Report (5300) filings — the quarterly financial data all federally insured credit unions must submit to their regulator. They reflect each credit union's reported weighted-average card APR. Your actual rate will depend on your credit score and the specific card product offered.
Many do — cash back, points, or miles — but the focus is on low rates rather than maximum rewards programs. If you carry a balance, the lower APR will save you far more than rewards points. If you pay in full monthly, compare rewards programs alongside the APR.
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. No rewards program comes close to that. Credit union cards are the right call if you ever carry a balance.
Many credit unions in New Mexico offer balance transfer options to move high-rate bank card debt onto a lower-APR credit union card. Ask about transfer fees and promotional rates when you apply.
See all credit unions by city, filter by rates, and check Google ratings.