What are the current interest rates at Nusenda Federal Credit Union?

Current rates for Nusenda Federal Credit Union include: 12-Month CD: 3.45%, 18-Month CD: 3.70%, 24-Month CD: 3.75%, 60-Month CD: 3.90%, Savings: 0.25%, MMA: 3.10%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Nusenda Federal Credit Union

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Nusenda Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Nusenda Federal Credit Union?

Yes, to access services at Nusenda Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Nusenda Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Nusenda Federal Credit Union's top rates as of October 12, 2026 are 3.90% APY on its IRA CDs - 60-Month CD, 0.25% APY on savings, 3.10% APY on money market accounts, 0.25% APY on checking, personal loans from 10.50% APR, and credit cards from 16.75% APR, according to rates verified by MonitorBankRates. Other Nusenda Federal Credit Union CD rates include CD - 60-Month at 3.90%, IRA CDs - 48-Month at 3.85%, and CD - 48-Month at 3.85%. MonitorBankRates evaluates the financial stability of Nusenda Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.40%. Rates last updated and verified on 10/12/2026.

Nusenda Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Nusenda Federal Credit Union? Share your experience about Nusenda Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Nusenda Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.40%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Nusenda Federal Credit Union
Nusenda Administration

4100 Pan American FWY NE
Albuquerque, NM 87107

https://www.nusenda.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Nusenda Federal Credit Union CD Rates

Product	Rate	APY	Term
IRA Certificates - 60-Month	3.83%	3.90%	60-Month
Min Balance $500 Details IRA Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Share Certificate - 60-Month	3.83%	3.90%	60-Month
Min Balance $1,000 Details Regular Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates - 48-Month	3.78%	3.85%	48-Month
Min Balance $500 Details IRA Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Share Certificate - 48-Month	3.78%	3.85%	48-Month
Min Balance $1,000 Details Regular Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates - 36-Month Bump	3.74%	3.80%	36-Month
Min Balance $500 Details IRA; Bump Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Share Certificate - 36-Month Bump	3.74%	3.80%	36-Month
Min Balance $1,000 Details Regular; Bump Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates - 24-Month	3.69%	3.75%	24-Month
Min Balance $500 Details IRA Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Share Certificate - 24-Month	3.69%	3.75%	24-Month
Min Balance $1,000 Details Regular Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates - 18-Month	3.64%	3.70%	18-Month
Min Balance $500 Details IRA Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Share Certificate - 18-Month	3.64%	3.70%	18-Month
Min Balance $1,000 Details Regular Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates - 12-Month	3.40%	3.45%	12-Month
Min Balance $500 Details IRA Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Share Certificate - 12-Month	3.40%	3.45%	12-Month
Min Balance $1,000 Details Regular Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates - 6-Month	3.20%	3.25%	6-Month
Min Balance $500 Details IRA Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Share Certificate - 6-Month	3.20%	3.25%	6-Month
Min Balance $1,000 Details Regular Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Certificates - 3-Month	3.15%	3.20%	3-Month
Min Balance $500 Details IRA Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Share Certificate - 3-Month	3.15%	3.20%	3-Month
Min Balance $1,000 Details Regular Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%

Nusenda Federal Credit Union Savings Rates

Product	Rate	APY
Holiday Club	3.50%	3.50%
Min Balance $5 Details Balance: $5 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Vacation Club	3.40%	3.45%
Min Balance $5 Details Balance: $5 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Savings	0.25%	0.25%
Min Balance $5 Details Balance: $5 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%

Nusenda Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	3.06%	3.10%
Min Balance $5,000,000 Details Balance: $5,000,000+ Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Money Market	2.81%	2.85%
Min Balance $1,000,000 Details Balance: $1,000,000 - $4,999,999 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Money Market	2.57%	2.60%
Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Money Market	1.74%	1.75%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Money Market	1.34%	1.35%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 1.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Money Market	1.09%	1.10%
Min Balance $2,500 Details Balance: $2,500 - $99,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 1.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Money Market	0.25%	0.25%
Min Balance $0 Details Balance: $0 - $2,499 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%

Nusenda Federal Credit Union Checking Rates

Product	Rate	APY
Dividend Checking	0.25%	0.25%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Dividend Checking	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Dividend Checking	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Dividend Checking	0.25%	0.25%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%

Nusenda Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
New Mexico Home Equity Line of Credit	-	-	7.875%	240 Months
Details As Low As; No LTV limitation for lines $25,000 and less Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 7.63% → 7.88% ▲ 0.25 pts · high 7.88% / low 7.63% Oct 2, 20267.88%▲ from 7.63% Sep 16, 20267.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Home Equity New Mexico First-lien Home-Equity Loan - Fixed Rate	-	-	8.125%	120 Months
Details Up to 70% LTV Last Updated 10/12/2026 Rate History 3 changes since Sep 16, 2026 · 7.50% → 8.13% ▲ 0.63 pts · high 8.13% / low 7.50% Oct 8, 20268.13%▲ from 7.88% Oct 2, 20267.88%▲ from 7.75% Sep 25, 20267.75%▲ from 7.50% Sep 16, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Home Equity Texas First-lien Home-Equity Loan - Fixed Rate	-	-	8.125%	120 Months
Details Up to 70% LTV Last Updated 10/12/2026 Rate History 3 changes since Sep 16, 2026 · 7.50% → 8.13% ▲ 0.63 pts · high 8.13% / low 7.50% Oct 8, 20268.13%▲ from 7.88% Oct 2, 20267.88%▲ from 7.75% Sep 25, 20267.75%▲ from 7.50% Sep 16, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Home Equity New Mexico First-lien Home-Equity Loan - Fixed Rate	-	-	8.375%	180 Months
Details Up to 70% LTV Last Updated 10/12/2026 Rate History 3 changes since Sep 16, 2026 · 7.75% → 8.38% ▲ 0.63 pts · high 8.38% / low 7.75% Oct 8, 20268.38%▲ from 8.13% Oct 2, 20268.13%▲ from 8.00% Sep 25, 20268.00%▲ from 7.75% Sep 16, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Home Equity Texas First-lien Home-Equity Loan - Fixed Rate	-	-	8.375%	180 Months
Details Up to 70% LTV Last Updated 10/12/2026 Rate History 3 changes since Sep 16, 2026 · 7.75% → 8.38% ▲ 0.63 pts · high 8.38% / low 7.75% Oct 8, 20268.38%▲ from 8.13% Oct 2, 20268.13%▲ from 8.00% Sep 25, 20268.00%▲ from 7.75% Sep 16, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Home Equity New Mexico Second-lien Home-Equity Loan - Fixed Rate	-	-	8.875%	120 Months
Details As Low As; No LTV limitation for $25,000 and less Last Updated 10/12/2026 Rate History 3 changes since Sep 16, 2026 · 8.25% → 8.88% ▲ 0.63 pts · high 8.88% / low 8.25% Oct 8, 20268.88%▲ from 8.63% Oct 2, 20268.63%▲ from 8.50% Sep 25, 20268.50%▲ from 8.25% Sep 16, 20268.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Home Equity New Mexico Second-lien Home-Equity Loan - Fixed Rate	-	-	8.875%	180 Months
Details As Low As; No LTV limitation for $25,000 and less Last Updated 10/12/2026 Rate History 3 changes since Sep 16, 2026 · 8.25% → 8.88% ▲ 0.63 pts · high 8.88% / low 8.25% Oct 8, 20268.88%▲ from 8.63% Oct 2, 20268.63%▲ from 8.50% Sep 25, 20268.50%▲ from 8.25% Sep 16, 20268.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Home Equity Texas Second-lien Home-Equity Loan - Fixed Rate	-	-	8.875%	120 Months
Details As Low As; Up to 80% LTV Last Updated 10/12/2026 Rate History 3 changes since Sep 16, 2026 · 8.25% → 8.88% ▲ 0.63 pts · high 8.88% / low 8.25% Oct 8, 20268.88%▲ from 8.63% Oct 2, 20268.63%▲ from 8.50% Sep 25, 20268.50%▲ from 8.25% Sep 16, 20268.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Home Equity Texas Second-lien Home-Equity Loan - Fixed Rate	-	-	8.875%	180 Months
Details As Low As; Up to 80% LTV Last Updated 10/12/2026 Rate History 3 changes since Sep 16, 2026 · 8.25% → 8.88% ▲ 0.63 pts · high 8.88% / low 8.25% Oct 8, 20268.88%▲ from 8.63% Oct 2, 20268.63%▲ from 8.50% Sep 25, 20268.50%▲ from 8.25% Sep 16, 20268.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%

Nusenda Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Fuel-Efficient Auto Loan - 2023 and newer	-	-	4.99%	36 months
Details As Low As; Type: 2023 and newer Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fuel-Efficient Auto Loan - 2023 and newer	-	-	5.15%	48 months
Details As Low As; Type: 2023 and newer Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.15% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Auto Loans - 2023 and newer	-	-	5.24%	36 months
Details As Low As; Vehicle Year: 2023 and newer; Qualified buyers: Take 90 days to make your first payment. Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 4.74% → 5.24% ▲ 0.50 pts · high 5.24% / low 4.74% Oct 4, 20265.24%▲ from 4.74% Sep 25, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Used Auto Loans - 2023 and newer	-	-	5.24%	36 months
Details As Low As; Type: 2023 and newer; Qualified buyers: Take 90 days to make your first payment. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Auto Loans - 2023 and newer	-	-	5.40%	48 months
Details As Low As; Vehicle Year: 2023 and newer; Qualified buyers: Take 90 days to make your first payment. Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 4.90% → 5.40% ▲ 0.50 pts · high 5.40% / low 4.90% Oct 4, 20265.40%▲ from 4.90% Sep 25, 20264.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Used Auto Loans - 2023 and newer	-	-	5.40%	48 months
Details As Low As; Type: 2023 and newer; Qualified buyers: Take 90 days to make your first payment. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 5.40% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fuel-Efficient Auto Loan - 2023 and newer	-	-	5.55%	65 months
Details As Low As; Type: 2023 and newer Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.55% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fuel-Efficient Auto Loan - 2023 and newer	-	-	5.75%	75 months
Details As Low As; Type: 2023 and newer Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Auto Loans - 2023 and newer	-	-	5.80%	65 months
Details As Low As; Vehicle Year: 2023 and newer; Qualified buyers: Take 90 days to make your first payment. Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 5.30% → 5.80% ▲ 0.50 pts · high 5.80% / low 5.30% Oct 4, 20265.80%▲ from 5.30% Sep 25, 20265.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Used Auto Loans - 2023 and newer	-	-	5.80%	65 months
Details As Low As; Type: 2023 and newer; Qualified buyers: Take 90 days to make your first payment. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 5.80% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Auto Loans - 2023 and newer	-	-	6.00%	75 months
Details As Low As; Vehicle Year: 2023 and newer; $20,000 minimum for new vehicles for 76 - 90 month terms; Qualified buyers: Take 90 days to make your first payment. Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 5.50% → 6.00% ▲ 0.50 pts · high 6.00% / low 5.50% Oct 4, 20266.00%▲ from 5.50% Sep 25, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Used Auto Loans - 2023 and newer	-	-	6.00%	75 months
Details As Low As; Type: 2023 and newer; Qualified buyers: Take 90 days to make your first payment.; $15,000 minimum for used vehicles for 61-90 month terms Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Auto Loans - 2022 - 1994	-	-	6.25%	Up to 60 months
Details As Low As; Vehicle Year: 2022 - 1994; Qualified buyers: Take 90 days to make your first payment. Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75% Oct 4, 20266.25%▲ from 5.75% Sep 25, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fuel-Efficient Auto Loan - 2023 and newer	-	-	6.25%	84 months
Details As Low As; Type: 2023 and newer Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Used Auto Loans - 2022 - 1994	-	-	6.25%	Up to 60 months
Details As Low As; Type: 2022 - 1994; Qualified buyers: Take 90 days to make your first payment. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Auto Loans - 2023 and newer	-	-	6.50%	84 months
Details As Low As; Vehicle Year: 2023 and newer; $20,000 minimum for new vehicles for 76 - 90 month terms; Qualified buyers: Take 90 days to make your first payment. Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 6.00% → 6.50% ▲ 0.50 pts · high 6.50% / low 6.00% Oct 4, 20266.50%▲ from 6.00% Sep 25, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fuel-Efficient Auto Loan - 2023 and newer	-	-	6.50%	90 months
Details As Low As; Type: 2023 and newer Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Used Auto Loans - 2023 and newer	-	-	6.50%	84 months
Details As Low As; Type: 2023 and newer; Qualified buyers: Take 90 days to make your first payment.; $15,000 minimum for used vehicles for 61-90 month terms Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 6.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Auto Loans - 2022 - 1994	-	-	6.75%	61 - 75 months
Details As Low As; Vehicle Year: 2022 - 1994; $15,000 minimum for used vehicles for 61 - 90 month terms; Qualified buyers: Take 90 days to make your first payment. Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 6.25% → 6.75% ▲ 0.50 pts · high 6.75% / low 6.25% Oct 4, 20266.75%▲ from 6.25% Sep 25, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Auto Loans - 2023 and newer	-	-	6.75%	90 months
Details As Low As; Vehicle Year: 2023 and newer; $20,000 minimum for new vehicles for 76 - 90 month terms; Qualified buyers: Take 90 days to make your first payment. Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 6.25% → 6.75% ▲ 0.50 pts · high 6.75% / low 6.25% Oct 4, 20266.75%▲ from 6.25% Sep 25, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Used Auto Loans - 2022 - 1994	-	-	6.75%	61 - 75 months
Details As Low As; Type: 2022 - 1994; Qualified buyers: Take 90 days to make your first payment.; $15,000 minimum for used vehicles for 61-90 month terms Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Used Auto Loans - 2023 and newer	-	-	6.75%	90 months
Details As Low As; Type: 2023 and newer; Qualified buyers: Take 90 days to make your first payment.; $15,000 minimum for used vehicles for 61-90 month terms Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Auto Loans - 2022 - 1994	-	-	7.75%	76-90 months
Details As Low As; Vehicle Year: 2022 - 1994; $15,000 minimum for used vehicles for 61 - 90 month terms; Qualified buyers: Take 90 days to make your first payment. Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 7.25% → 7.75% ▲ 0.50 pts · high 7.75% / low 7.25% Oct 4, 20267.75%▲ from 7.25% Sep 25, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Used Auto Loans - 2022 - 1994	-	-	7.75%	76-90 months
Details As Low As; Type: 2022 - 1994; Qualified buyers: Take 90 days to make your first payment.; $15,000 minimum for used vehicles for 61-90 month terms Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%

Nusenda Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loans 2026-2018	-	8.20%	Up to 60 months
Details As Low As; Model Year: 2026-2018 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.20% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
New RV Loan	-	8.75%	Up to 180 months
Details As Low As; Repayment term is dependent on amount financed. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Motorcycle Loans 2017-2015	-	9.50%	48 months
Details As Low As; Model Year: 2017-2015 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Used RV Loan	-	9.50%	Up to 180 months
Details As Low As; Repayment term is dependent on amount financed, ask us about rates for RVs older than 2016. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
ATV/UTV Loans 2026 - 2017	-	11.25%	36 months
Details Model Year: 2026 - 2017 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Snowmobile Loans 2026 - 2018	-	11.25%	36 months
Details Model Year: 2026 - 2018 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%

Nusenda Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Secured Credit Card	-	16.75%
Details Intro rate expires: 18 months; 5% APR for all purchases, balance transfers, and cash advances for 18 months after opening Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 12.50% → 16.75% ▲ 4.25 pts · high 16.75% / low 12.50% Oct 4, 202616.75%▲ from 12.50% Sep 16, 202612.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%

Nusenda Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	10.50%	36 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Personal Loan	11.50%	48 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 11.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Personal Loan	12.50%	60 months
Details As Low As Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 12.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Personal Line of Credit	13.25%
Details Published APR range: 13.25% - 17.25%. An unsecured line-of-credit allows members to make 'draws' as they choose. May be used as a source of overdraft protection. Available from $2,001 - $20,000. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 13.00% → 13.25% ▲ 0.25 pts · high 13.25% / low 13.00% Sep 25, 202613.25%▲ from 13.00% Sep 16, 202613.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%

Nusenda Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Cash Rewards Loan	-	-	14.75%
Details Published APR range: 14.75% - 16.75%. Intro rate expires: 12 months; 0% APR for 12 months on balance transfers Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 14.50% → 14.75% ▲ 0.25 pts · high 14.75% / low 14.50% Oct 4, 202614.75%▲ from 14.50% Sep 16, 202614.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Platinum Loan	-	-	12.75%
Details Published APR range: 12.75% - 16.75%. Intro rate expires: 12 months; 0% APR on Balance Transfer for 12 Months OR 5% APR for all purchases, balance transfers, and cash advances for 18 months after opening Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 12.50% → 12.75% ▲ 0.25 pts · high 12.75% / low 12.50% Oct 4, 202612.75%▲ from 12.50% Sep 16, 202612.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Platinum Rewards Loan	-	-	12.75%
Details Published APR range: 12.75% - 16.75%. Intro rate expires: 12 months; 0% APR for 12 months on balance transfers Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 12.50% → 12.75% ▲ 0.25 pts · high 12.75% / low 12.50% Oct 4, 202612.75%▲ from 12.50% Sep 16, 202612.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Non-Transaction Share/Dividend	0.25%	-	0.25%
Min Balance $100 Details Balance: $100 - $9,999 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Non-Transaction Share/Dividend	0.25%	-	0.25%
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Nusenda Federal Credit Union’s Texas Ratio rose from 3.13% in Q3 2023 to 5.40% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$5.0B	5.40%	5.0	A+
March 31, 2026	$5.0B	5.58%	5.0	A+
December 31, 2025	$4.9B	7.03%	5.0	A
September 30, 2025	$4.8B	4.33%	5.0	A+
June 30, 2025	$4.8B	6.32%	5.0	A
March 31, 2025	$4.7B	4.66%	5.0	A+
December 31, 2024	$4.7B	4.66%	5.0	A+
September 30, 2024	$4.9B	4.70%	5.0	A+
June 30, 2024	$5.0B	5.45%	5.0	A+
March 31, 2024	$5.1B	3.53%	5.0	A+
December 31, 2023	$4.3B	4.72%	5.0	A+
September 30, 2023	$4.3B	3.13%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Nusenda Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Nusenda Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Nusenda Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Nusenda Federal Credit Union

Website https://www.nusenda.org

Address 4100 Pan American FWY NE, Albuquerque, NM 87107

Phone 505-889-7755

Fax

President Ralph Wallace

CEO Michelle Dearholt

Full-Time Employees 943

Part-Time Employees 43

Branch Locations 34

ATM Locations 29

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.40%

Return on Assets (ROA)

0.3816%

Return on Equity (ROE)

4.2270%

Non-Performing Loans Ratio (NPL)

0.79%

Total Assets

5,020,836,343

Total Amount of Shares and Deposits

4,391,712,888

Total Shares and Deposits < 1 Year

4,292,689,307

Total Shares and Deposits 1 3 Years

85,254,282

Total Shares and Deposits > 3 Years

13,769,299

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

504,696,352

Total Uninsured Shares and Deposits > $250K (F+J)

504,696,352

Total Insured Shares and Deposits > $250K (item 17 less item K)

3,887,016,536

Total Interest Expense (Sum of items 6 8)

43,476,551

Share Certificates

32,938

Number of Accounts for Share Drafts

208,106

IRA KEOGH Accounts

7,580

Number of Accounts for Regular Shares

388,165

Non Member Deposits

208

Money Market Shares

11,347

Net Income (unless the amount is already included in Undivided Earnings)

19,160,100

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

104,701,564

Total Liabilities

4,571,456,696

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Nusenda Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Nusenda Federal Credit Union

How many branches does Nusenda Federal Credit Union operate?

Nusenda Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Nusenda Federal Credit Union?

Yes, to access services at Nusenda Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Nusenda Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Nusenda Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Nusenda Federal Credit Union offer online and mobile banking?

Most modern institutions like Nusenda Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.nusenda.org.