U-1st Community

601 N Canal St, Carlsbad, NM 88220

NCUA Insured4.2 (10 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1955

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

Membership Eligibility

Anyone who lives, works, or worships in or around Carlsbad, NM may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1955

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

601 N Canal St

Carlsbad, NM 88220

Google Maps 🗺Waze

(575) 887-1785

Service Area

This credit union is located in Carlsbad and serves members in the NM area. Currently serving 864 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

6.76%

Used Auto Loan

12.53%

Personal Loan

13.45%

Credit Card APR

9.90%

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).

Four Corners— New Auto Loan

Kirtland, NM

2.52%

Del Norte— Used Auto Loan

Los Alamos, NM

3.49%

Cuba— Personal Loan

Cuba, NM

7.00%

State Employees— Credit Card APR

Santa Fe, NM

7.50%

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

Branches & Locations(2 total)

Member Reviews

4.2

10 Google reviews

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

View on Google Maps

Jonathan Haver

8 months ago

Great service, employees know how to help you out with all you financial questions.

Felicia Vasquez

8 years ago

I have banked with U 1st community Federal for many years now. Theresa and Gina have always treated us good they have made our banking needs exceptional. They treat us like family. We love this bank and appreciate all the hard work that they do for us! This is a five star bank. I highly recommend!

Jessica Quesada

4 years ago

I've banked with U1st for years. I love that everyone knows you by name and can readily assist me at pretty much any time! Theresa has always treated the members with respect and kindness.

Michael Coffman

13 years ago

I am really happy with the service that I have received over the years from U 1st Credit Union. The staff is always friendly, the place is clean, and they have provided me with good financial advice and over the years too. They truly are on my side and I am glad they appreciate their customers.