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Eddy

909 W PIERCE ST, Carlsbad, NM 88220
NCUA Insured4.1 (28 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1954

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

Location & Directions

Address

909 W PIERCE ST

Carlsbad, NM 88220

Service Area

This credit union is located in Carlsbad and serves members in the NM area. Currently serving 4,917 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

5.79%

Used Auto Loan

8.42%

Personal Loan

14.85%

Credit Card APR

10.40%

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(2 total)

Member Reviews

4.1

28 Google reviews

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

View on Google Maps
Mike Davis

Mike Davis

a year ago

Was talking to my wife about switching to this financial institution and to see how friendly they are. We drove over and asked for change, the teller informed us due to new policies we can't give change out unless your a member, so to me I look at it like this, I can get change anywhere else in town, I'm not invested in these locations but will continue to trade with them as they have services to offer, by not offering simple change shows me it's an inconvenience for them to do currency exchange and begs rhe question what services will be handled with care when it counts.

ken cauffman

ken cauffman

9 years ago

I have been with Eddy Federal CU for many years. Linda Thomas has always been most helpful. Linda has always gone above and beyond for me. I would rate her service to Eddy Federal CU 5 star service. THANK YOU LINDA FOR YOUR HELP.

Steven Rigsby

Steven Rigsby

6 months ago

Best Federal Credit Union in Eddy County!

Valerie Hogan

Valerie Hogan

9 years ago

Incredible experience , if your are new to Carlsbad NM . I Highly recommend Eddy Credit Union. In the pursuit of looking for a credit I came across rude and prudish banks /people here . Case in point don't judge a book by it cover folks . Guess I wasnt dripping with diamonds and dressed to the nines. I finally found Eddy Federal Credit Union . They were wonderfully sweet and professional . Courtney Fannin was exceptionlay professional and polite . After I finished​ with her , I spoke to Sylivia Jackson the( loan officer) . It was close to closing time but she did not rush me and answered all my questions and was very informative . Again please check them out , it is so taxing moving to another state , much less looking for a bank! Valeire Hogan

Jay Cruz

Jay Cruz

5 years ago

Sylvia Jackson is the best with loans. Always a great experience going in there and always very attentive and helpful. Love this credit union!!!

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).