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Zia

P.O. Box 490, Los Alamos, NM 87544
NCUA Insured3.0 (23 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1955

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

Location & Directions

Address

P.O. Box 490

Los Alamos, NM 87544

Service Area

This credit union is located in Los Alamos and serves members in the NM area. Currently serving 13,959 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

6.74%

Used Auto Loan

10.49%

Personal Loan

16.25%

Credit Card APR

10.18%

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(3 total)

Member Reviews

3.0

23 Google reviews

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

View on Google Maps
Cody Aikin

Cody Aikin

10 months ago

First time homebuyer. I worked with Maria Ortiz to originate the home loan and couldn't be more pleased. She was professional, responsive and walked me through each step of the loan process. I would recommend any buyer work with Maria in the future.

Alec Harrison-Little

Alec Harrison-Little

4 years ago

Zia Credit Union has been the worst banking experience we have ever had. We have constant issues with this bank. Several months ago, my card was declined because they were having issues with their network. There were no public announcements about this or apologies. I had to physically go into the branch to find out what the issue was. Most recently, my boyfriend’s personal account was compromised. The baking representative said she would cancel his card and order him a new one. Almost a month later and still no card, so he calls them. They say that they will order him a new card since they didn’t order one for him when they said they would. It turns out that now, they canceled his card for our joint account instead of ordering a new card for his personal account, so now he is unable to access money in either account and is stuck using his credit card. These are only two examples of issues we’ve had in the past four years we’ve been members. Not being able to access money is the last straw for us.

Jonah Miller

Jonah Miller

8 years ago

Zia offers the Kasasa checking account, which has some nice incentives. However, I've been deeply disappointed and frustrated by how they respond to what I would call financial emergencies. When I lost my debit card, I couldn't get ahold of anyone who could freeze my account and send me a new one for 12 hours. There's no 24/7 hotline that I can call. I recently had the same experience when my credit card was denied. Did they make a mistake and freeze my account by accident? Did someone steal my number and I need a new card? I can't find out until tomorrow morning! It's totally unacceptable.

Jacki Archuleta

Jacki Archuleta

4 years ago

I always seem to have a problem with the branch in Los Alamos, New Mexico. Employees are usually really unprofessional. I usually try to avoid going to the branch in Los Alamos, unless I really have to and each time I have has been a bad experience for myself. I gave a 3 star because the Española branch has always been a great experience for me. Los Alamos can do a little better on customer service in my opinion. I understand we are tough times right now & no one wants to work but that’s not an excuse to treat customers poorly. Hopefully the customer service will improve in Los Alamos!.

Crystal Gonzales

Crystal Gonzales

5 years ago

Zia CU has always been wonderful. Myself and many members of my family have accounts with Zia and they have always been very helpful and prompt in assisting us. I have banked with DNCU, BofA, and Wells Fargo and in my opinion Zia has been the best and that is why we have maintained a banking relationship with them and cut ties with all the others.

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).