Back to Carlsbad credit unions

Financial Security

1105 WEST PIERCE STREET, Carlsbad, NM 88220
NCUA Insured3.5 (23 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1954

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

Location & Directions

Address

1105 WEST PIERCE STREET

Carlsbad, NM 88220

Service Area

This credit union is located in Carlsbad and serves members in the NM area. Currently serving 5,181 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

4.62%

Used Auto Loan

5.46%

Personal Loan

16.30%

Credit Card APR

15.40%

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

3.5

23 Google reviews

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

View on Google Maps
Ayden Parent

Ayden Parent

a year ago

Not one to do negative reviews but I just thought it was crazy how hard it was to get in touch with loan officers given they don’t have personal cell numbers from my understanding. Worked with them on a loan for about a month just to get denied though income and credit easily supported the loan. Found a different auto lender and got approved within 24 hours at the same rate with a longer payment option. I hate talking down on any business ever but I really just couldn’t understand the way they handled my situation and would suggest looking eleswhere.

Trisha Moore

Trisha Moore

4 years ago

I can safely say that they’re in my experience with the Credit union there were a total of two people within my experience of returning to financial security that Did everything to try and help me to get my check cleared. If you have a large check and you needed cash and you’re a new member I would recommend going to financial securities credit union

Elizabeth McKee

Elizabeth McKee

7 years ago

I worked with Michelle on a auto loan recently and was very impressed! She did amazing with our loan, was extremely fast and super friendly. I will defiantly give Financial Security my business for every loan needed from now on.

D

D

5 years ago

Used to be a good credit union. I feel they are more like Wells Fargo, there is nothing credit union about them, dollars are the bottom line now! The ATM has been broke for months and their excuse is the ATM company! Not sure if you can order from another company. I'm sure its the cheapest one possible thats why they are waiting. Another thing is you have to go inside to get a cashier's check plus you pay for them now! They charge for everything now!! It's a bank in disguise!!!

Dying lately

Dying lately

2 years ago

EDIT since my review the person who responded gave a number to call wich we thought could hopefully shed some light on the matter but after several calls no one answered and it now says the Google number is off so we called the banks number hoping to get to them that way wich again was more of the ignorante runaround it looks like the response was just for show they froze my wife's account for investigation because even though it was shut off her card was still active we waited months for a new card wich never came and its been frozen for several months after and after calling several times they're saying were waiting for a meeting that we have no idea when it will be and they will not tell us when because they sent the letter to the wrong address and after speaking to a "manager" (who is all about policy yet cant update an address ) she cant give any information about anything no date to the meeting no phone number because it's against policy but clearly its policy to give out your information her id is on file and apparently thats not enough to get the information this is by far the worst bank I have ever seen just save yourself and go somewhere that doesn't have to third party everything

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).