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Otero

P.O. Box 2800, Alamogordo, NM 88311
NCUA Insured3.2 (60 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1953

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

P.O. Box 2800

Alamogordo, NM 88311

Service Area

This credit union is located in Alamogordo and serves members in the NM area. Currently serving 33,773 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.74%

Used Auto Loan

5.74%

Personal Loan

10.99%

Credit Card APR

13.96%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NM

Lowest rates currently reported by credit unions in NM (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(7 total)

Member Reviews

3.2

60 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Adam Pittman

Adam Pittman

9 months ago

I just wanted to share that I had a wonderful experience at this bank. All due to Glenda Juarez. She was kind, courteous and expedited my loan with the utmost professionalism. She answered all my questions and gave me sage advice. Thank you Glenda!!

Connor Smith

Connor Smith

7 months ago

they have it posted on their door that they are open on saturday 9am to 1pm and online yet when i show up at 9:30 the door is locked and when i call it says they are only open monday-friday

Jennifer logan

Jennifer logan

4 months ago

Worst bank ever ,overcharged my account and took my money ,if i could zero stars i would

J G

J G

2 years ago

This review reflects my last visit. Usually pretty decent service but this last time was an inconvenience and waste of time. The bank had the power to either help me replace my money order or simply state that I needed to buy a new one and not have me there just to tell me that I needed a new money order after a long period of time. It was frustrating to have a pointless outcome and my time wasted.

Joshua Robinson

Joshua Robinson

3 years ago

If I could I would leave less stars. This “banking institution” is the worst I have ever had. I’ve had a account since about 2010 with them and when I finally decided to move everything to them as far as direct deposit , refinance stuff they move money with out my consent and refused to reverse the changes. I have had so many head aches with them it’s ridiculous. You would think that after approximately 13 years of being there I would get a little bit of a heads up before having my accounts messed with. And their “system updates” are a dam joke I was locked out of my account for almost a month. Wasn’t able to use my cards or checks. Couldn’t even see my balance. And all they say is “ your not the only one, we are working on it.” Why even do it on a Friday when people get paid? Worthless place. Highly recommend anywhere else including putting your money in your mattress before going there.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).