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Nusenda Federal Credit Union

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Nusenda Federal Credit Union Rates & Review November 2026

Q: 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%

Q: What CD terms does Nusenda Federal Credit Union offer?

Nusenda Federal Credit Union CD rates are 3.45% APY for a 12 month CD, 3.70% APY for an 18 month CD, 3.75% APY for a 2 year CD, 3.85% APY for a 4 year CD and 3.90% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Nusenda Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Nusenda Federal Credit Union's CD - 60-Month rates are at 3.90%, CD - 48-Month rates are at 3.85%, CD - 24-Month rates are at 3.75%, CD - 18-Month rates are at 3.70%, CD - 12-Month rates are at 3.45%. Nusenda Federal Credit Union's savings rates are at 0.25%. Nusenda Federal Credit Union's checking rates are as high as 0.25%. Nusenda Federal Credit Union's Personal Loan Rates are as low as 10.50%. Nusenda Federal Credit Union's Credit Card Rates are at 12.75%. Nusenda Federal Credit Union's CD rates are 30% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/28/2026.

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 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
60 Month IRA Share Certificate	3.83%	3.90%	60-Month
Min Deposit $500 Min Balance $500 Details IRA certificate; Rates effective as of 9/23/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.90% APY · checked 2 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 Balance: $1,000+ Regular Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
48 Month IRA Share Certificate	3.78%	3.85%	48-Month
Min Deposit $500 Min Balance $500 Details IRA certificate; Rates effective as of 9/23/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.85% APY · checked 2 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 Balance: $1,000+ Regular Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
36-Month Bump IRA Certificate	3.74%	3.80%	36-Month
Min Balance $500 Details IRA Certificate; minimum $500+ IRA Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Regular Share Certificate 36-Month Bump	3.74%	3.80%	36-Month
Min Balance $1,000 Details Balance: $1,000+ Regular; Bump certificate; Rates effective as of 9/23/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
24 Month IRA Share Certificate	3.69%	3.75%	24-Month
Min Deposit $500 Min Balance $500 Details IRA certificate; Rates effective as of 9/23/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.75% APY · checked 2 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 Balance: $1,000+ Regular Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
18 Month IRA Share Certificate	3.64%	3.70%	18-Month
Min Deposit $500 Min Balance $500 Details IRA certificate; Rates effective as of 9/23/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.70% APY · checked 2 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 Balance: $1,000+ Regular Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
12 Month IRA Share Certificate	3.40%	3.45%	12-Month
Min Deposit $500 Min Balance $500 Details IRA certificate; Rates effective as of 9/23/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.45% APY · checked 2 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 Balance: $1,000+ Regular Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
6 Month IRA Share Certificate	3.20%	3.25%	6-Month
Min Deposit $500 Min Balance $500 Details IRA certificate; Rates effective as of 9/23/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.25% APY · checked 2 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 Balance: $1,000+ Regular Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
3 Month IRA Share Certificate	3.15%	3.20%	3-Month
Min Deposit $500 Min Balance $500 Details IRA certificate; Rates effective as of 9/23/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.20% APY · checked 2 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 Balance: $1,000+ Regular Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.20% APY · checked 3 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 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Vacation Club	3.40%	3.45%
Min Balance $5 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
IRA Savings	0.25%	0.25%
Min Balance $5 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 7 times 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 10/28/2026 Rate History No change since Oct 4, 2026 · 0.25% APY · checked 6 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 and over Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Non-Transaction Share/Dividend	0.00%	0.00%
Min Balance $5 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 6 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 10/28/2026 Rate History No change since Oct 4, 2026 · 0.25% APY · checked 6 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 10/28/2026 Rate History No change since Oct 4, 2026 · 0.25% APY · checked 6 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 10/28/2026 Rate History No change since Oct 4, 2026 · 0.25% APY · checked 6 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 and over Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Essential Personal Checking	0.00%	0.00%
Min Balance $25 Last Updated 10/28/2026 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	View More
New Mexico Home Equity Line of Credit	-	-	8.25%	240 Months
Details As Low As; No LTV limitation for lines $25,000 and less Last Updated 10/28/2026 Rate History 2 changes since Sep 16, 2026 · 7.63% → 8.25% ▲ 0.63 pts · high 8.25% / low 7.63% Oct 28, 20268.25%▲ from 7.88% 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%

Nusenda Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Fuel-Efficient Auto Loan	-	-	4.99%	36 months
Details As Low As; Vehicle: 2023 and newer; Rates effective as of 9/28/2026 Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 4.49% → 4.99% ▲ 0.50 pts · high 4.99% / low 4.49% Oct 15, 20264.99%▲ from 4.49% Sep 16, 20264.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fuel-Efficient Auto Loan	-	-	5.15%	48 months
Details As Low As; Vehicle: 2023 and newer; Rates effective as of 9/28/2026 Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 4.65% → 5.15% ▲ 0.50 pts · high 5.15% / low 4.65% Oct 15, 20265.15%▲ from 4.65% Sep 16, 20264.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Auto Loan - 2023 and newer	-	-	5.24%	36 months
Details As Low As; Model Year: 2023 and newer; Qualified buyers: Take 90 days to make your first payment. Last Updated 10/28/2026 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 Loan	-	-	5.24%	36 months
Details As Low As; Model Year: 2023 and newer; Qualified buyers: Take 90 days to make your first payment. Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 4.74% → 5.24% ▲ 0.50 pts · high 5.24% / low 4.74% Oct 15, 20265.24%▲ from 4.74% Sep 16, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Auto Loan - 2023 and newer	-	-	5.40%	48 months
Details As Low As; Model Year: 2023 and newer; Qualified buyers: Take 90 days to make your first payment. Last Updated 10/28/2026 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 Loan	-	-	5.40%	48 months
Details As Low As; Model Year: 2023 and newer; Qualified buyers: Take 90 days to make your first payment. Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 4.90% → 5.40% ▲ 0.50 pts · high 5.40% / low 4.90% Oct 15, 20265.40%▲ from 4.90% Sep 16, 20264.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fuel-Efficient Auto Loan	-	-	5.55%	65 months
Details As Low As; Vehicle: 2023 and newer; Rates effective as of 9/28/2026 Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 5.05% → 5.55% ▲ 0.50 pts · high 5.55% / low 5.05% Oct 15, 20265.55%▲ from 5.05% Sep 16, 20265.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Fuel-Efficient Auto Loan	-	-	5.75%	75 months
Details As Low As; Vehicle: 2023 and newer; Rates effective as of 9/28/2026 Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 5.25% → 5.75% ▲ 0.50 pts · high 5.75% / low 5.25% Oct 15, 20265.75%▲ from 5.25% Sep 16, 20265.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Auto Loan - 2023 and newer	-	-	5.80%	65 months
Details As Low As; Model Year: 2023 and newer; Qualified buyers: Take 90 days to make your first payment. Last Updated 10/28/2026 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 Loan	-	-	5.80%	65 months
Details As Low As; Model Year: 2023 and newer; Qualified buyers: Take 90 days to make your first payment. Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 5.30% → 5.80% ▲ 0.50 pts · high 5.80% / low 5.30% Oct 15, 20265.80%▲ from 5.30% Sep 16, 20265.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Auto Loan - 2023 and newer	-	-	6.00%	75 months
Details As Low As; Model Year: 2023 and newer; Qualified buyers: Take 90 days to make your first payment. Last Updated 10/28/2026 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 Loan	-	-	6.00%	75 months
Details As Low As; Model Year: 2023 and newer; $15,000 minimum for used vehicles for 61 - 90 month terms; Qualified buyers: Take 90 days to make your first payment. Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 5.50% → 6.00% ▲ 0.50 pts · high 6.00% / low 5.50% Oct 15, 20266.00%▲ from 5.50% Sep 16, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Auto Loan - 2022 - 1994	-	-	6.25%	Up to 60 months
Details As Low As; Model Year: 2022 - 1994; Qualified buyers: Take 90 days to make your first payment. Last Updated 10/28/2026 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	-	-	6.25%	84 months
Details As Low As; Vehicle: 2023 and newer; Rates effective as of 9/28/2026 Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75% Oct 15, 20266.25%▲ from 5.75% Sep 16, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Used Auto Loan	-	-	6.25%	Up to 60 months
Details As Low As; Model Year: 2022 - 1994; Qualified buyers: Take 90 days to make your first payment. Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75% Oct 15, 20266.25%▲ from 5.75% Sep 16, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Auto Loan - 2023 and newer	-	-	6.50%	84 months
Details As Low As; Model 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 10/28/2026 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	-	-	6.50%	90 months
Details As Low As; Vehicle: 2023 and newer; Rates effective as of 9/28/2026 Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 6.00% → 6.50% ▲ 0.50 pts · high 6.50% / low 6.00% Oct 15, 20266.50%▲ from 6.00% Sep 16, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Used Auto Loan	-	-	6.50%	84 months
Details As Low As; Model Year: 2023 and newer; $15,000 minimum for used vehicles for 61 - 90 month terms; Qualified buyers: Take 90 days to make your first payment. Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 6.00% → 6.50% ▲ 0.50 pts · high 6.50% / low 6.00% Oct 15, 20266.50%▲ from 6.00% Sep 16, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Auto Loan - 2022 - 1994	-	-	6.75%	61 - 75 months
Details As Low As; Model 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 10/28/2026 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 Loan - 2023 and newer	-	-	6.75%	90 months
Details As Low As; Model 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 10/28/2026 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 Loan	-	-	6.75%	90 months
Details As Low As; Model Year: 2023 and newer; $15,000 minimum for used vehicles for 61 - 90 month terms; Qualified buyers: Take 90 days to make your first payment. Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 6.25% → 6.75% ▲ 0.50 pts · high 6.75% / low 6.25% Oct 15, 20266.75%▲ from 6.25% Sep 16, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Used Auto Loan	-	-	6.75%	61 - 75 months
Details As Low As; Model 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 10/28/2026 Rate History 1 change since Sep 16, 2026 · 6.25% → 6.75% ▲ 0.50 pts · high 6.75% / low 6.25% Oct 15, 20266.75%▲ from 6.25% Sep 16, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Auto Loan - 2022 - 1994	-	-	7.75%	76-90 months
Details As Low As; Model 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 10/28/2026 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 Loan	-	-	7.75%	76-90 months
Details As Low As; Model Year: 2022 - 1994; $20,000 minimum for new vehicles for 76 - 90 month terms; $15,000 minimum for used vehicles for 61 - 90 month terms; Qualified buyers: Take 90 days to make your first payment. Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 7.25% → 7.75% ▲ 0.50 pts · high 7.75% / low 7.25% Oct 15, 20267.75%▲ from 7.25% Sep 16, 20267.25%first recorded 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 Loan	-	8.20%	Up to 60 months
Details As Low As; Model Year: 2026-2018 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.20% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
RV Loans - New RV (2026 - 2023)	-	8.75%	Up to 180 months
Details As Low As; Repayment term is dependent on amount financed. Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Motorcycle Loan	-	9.50%	48 months
Details As Low As; Model Year: 2017-2015 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
RV Loans - Used RV (2022 - 2016)	-	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 10/28/2026 Rate History No change since Oct 23, 2026 · 9.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
ATV/UTV Loan	-	11.25%	36 months
Details Model Year: 2026-2017 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 11.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Snowmobile Loan	-	11.25%	36 months
Details Model Year: 2026-2018 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 11.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%

Nusenda Federal Credit Union Credit Card Rates

Product	Rate	APR
Platinum Credit Card	-	12.75%
Details Published APR range: 12.75% - 16.75%. Regular APR: 12.75% - 16.75%; Intro rate expires: 12 months (0% APR on Balance Transfer for 12 Months) OR 18 months (5% APR* for all purchases, balance transfers, and cash advances for 18 months after opening); 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 10/28/2026 Rate History No change since Oct 15, 2026 · 12.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Platinum Rewards Credit Card	-	12.75%
Details Published APR range: 12.75% - 16.75%. Intro rate expires: 12 months; Regular APR: 12.75% - 16.75%; 0% APR* for 12 months on balance transfers. Balance transfers do not earn rewards. Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 12.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Cash Rewards Credit Card	-	14.75%
Details Published APR range: 14.75% - 16.75%. Intro rate expires: 12 months; Regular APR: 14.75% - 16.75%; 0% APR* for 12 months on balance transfers. Balance transfers do not earn rewards. Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 14.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Secured Credit Card	-	16.75%
Details Intro rate expires: 18 months; Regular APR: 16.75%; 5% APR** for all purchases, balance transfers, and cash advances for 18 months after opening Last Updated 10/28/2026 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; APR determined when application is processed, based on applicant's credit history. Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 10.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Personal Loan	11.50%	48 months
Details As Low As; APR determined when application is processed, based on applicant's credit history. Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 11.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Personal Loan	12.50%	60 months
Details As Low As; APR determined when application is processed, based on applicant's credit history. Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 12.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Personal Line of Credit	13.25%
Details 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 10/28/2026 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	Term
New Mexico First-lien Home-Equity Loan - Fixed Rate	-	-	8.00%	120 Months
Details Up to 70% LTV Last Updated 10/28/2026 Rate History 1 change since Oct 23, 2026 · 8.13% → 8.00% ▼ 0.13 pts · high 8.13% / low 8.00% Oct 28, 20268.00%▼ from 8.13% Oct 23, 20268.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
New Mexico First-lien Home-Equity Loan - Fixed Rate	-	-	8.25%	180 Months
Details Up to 70% LTV Last Updated 10/28/2026 Rate History 1 change since Oct 23, 2026 · 8.38% → 8.25% ▼ 0.13 pts · high 8.38% / low 8.25% Oct 28, 20268.25%▼ from 8.38% Oct 23, 20268.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
New Mexico Second-lien Home-Equity Loan - Fixed Rate	-	-	8.75%	120 Months
Details As Low As; No LTV limitation for $25,000 and less Last Updated 10/28/2026 Rate History 1 change since Oct 23, 2026 · 8.88% → 8.75% ▼ 0.13 pts · high 8.88% / low 8.75% Oct 28, 20268.75%▼ from 8.88% Oct 23, 20268.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
New Mexico Second-lien Home-Equity Loan - Fixed Rate	-	-	8.75%	180 Months
Details As Low As; No LTV limitation for $25,000 and less Last Updated 10/28/2026 Rate History 1 change since Oct 23, 2026 · 8.88% → 8.75% ▼ 0.13 pts · high 8.88% / low 8.75% Oct 28, 20268.75%▼ from 8.88% Oct 23, 20268.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Texas First-lien Home-Equity Loan - Fixed Rate	-	-	8.00%	120 Months
Details Up to 70% LTV Last Updated 10/28/2026 Rate History 1 change since Oct 23, 2026 · 8.13% → 8.00% ▼ 0.13 pts · high 8.13% / low 8.00% Oct 28, 20268.00%▼ from 8.13% Oct 23, 20268.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Texas First-lien Home-Equity Loan - Fixed Rate	-	-	8.25%	180 Months
Details Up to 70% LTV Last Updated 10/28/2026 Rate History 1 change since Oct 23, 2026 · 8.38% → 8.25% ▼ 0.13 pts · high 8.38% / low 8.25% Oct 28, 20268.25%▼ from 8.38% Oct 23, 20268.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Texas Second-lien Home-Equity Loan - Fixed Rate	-	-	8.75%	120 Months
Details Published APR range: As low as 8.750%. As Low As; Up to 80% LTV Last Updated 10/28/2026 Rate History 1 change since Oct 23, 2026 · 8.88% → 8.75% ▼ 0.13 pts · high 8.88% / low 8.75% Oct 28, 20268.75%▼ from 8.88% Oct 23, 20268.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.40%
Texas Second-lien Home-Equity Loan - Fixed Rate	-	-	8.75%	180 Months
Details Published APR range: As low as 8.750%. As Low As; Up to 80% LTV Last Updated 10/28/2026 Rate History 1 change since Oct 23, 2026 · 8.88% → 8.75% ▼ 0.13 pts · high 8.88% / low 8.75% Oct 28, 20268.75%▼ from 8.88% Oct 23, 20268.88%first recorded 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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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

2026 MBR Health & Safety Badge

Nusenda Federal Credit Union earned the Verified Healthy badge

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

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</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Nusenda Federal Credit Union

Does Nusenda Federal Credit Union offer CDs?

Yes. Nusenda Federal Credit Union current CD rates include its CD - 60-Month at 3.90% APY, its CD - 48-Month at 3.85% APY and its CD - 24-Month at 3.75% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Nusenda Federal Credit Union NCUA insured?

Yes. Nusenda Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Nusenda Federal Credit Union?

The highest Nusenda Federal Credit Union CD rate is its 60 Month IRA CD at 3.90% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Nusenda Federal Credit Union offer?

Nusenda Federal Credit Union CD rates are 3.45% APY for a 12 month CD, 3.70% APY for an 18 month CD, 3.75% APY for a 2 year CD, 3.85% APY for a 4 year CD and 3.90% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Nusenda Federal Credit Union for its full lineup.

What is the highest savings rate at Nusenda Federal Credit Union?

The highest Nusenda Federal Credit Union savings rate is its IRA Savings at 0.25% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at Nusenda Federal Credit Union?

The highest Nusenda Federal Credit Union checking rate is its Dividend Checking at 0.25% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest auto loan rate at Nusenda Federal Credit Union?

The lowest Nusenda Federal Credit Union auto loan rate is its Fuel-Efficient Auto Loan at 4.99% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at Nusenda Federal Credit Union?

The lowest Nusenda Federal Credit Union personal loan rate is its Personal Loan at 10.50% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at Nusenda Federal Credit Union?

The lowest Nusenda Federal Credit Union credit card APR is its Platinum Credit Card at 12.75% APR, verified by MonitorBankRates as of October 28, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Nusenda Federal Credit Union rates compare?

Nusenda Federal Credit Union's CD rates are 30% higher than the MonitorBankRates national average, and it has an A+ health rating. Nusenda Federal Credit Union's top rates are its 60 Month IRA CD at 3.90% APY, its IRA Savings at 0.25% APY, its Dividend Checking at 0.25% APY, its Personal Loan at 10.50% APR and its Platinum Credit Card at 12.75% APR, verified by MonitorBankRates on October 28, 2026.

Current Nusenda Federal Credit Union Rates

12-Month CD3.45%
18-Month CD3.70%
24-Month CD3.75%
60-Month CD3.90%
Savings0.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Nusenda Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Nusenda Federal Credit Union Texas Ratio

Nusenda Federal Credit Union Health Trend

Nusenda Federal Credit Union CD Rates

Nusenda Federal Credit Union Savings Rates

Nusenda Federal Credit Union Checking Rates

Nusenda Federal Credit Union Home Equity & HELOC

Nusenda Federal Credit Union Auto Loan Rates

Nusenda Federal Credit Union RV, Boat and Powersport Loan Rates

Nusenda Federal Credit Union Credit Card Rates

Nusenda Federal Credit Union Personal Loan Rates

Nusenda Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Nusenda Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Nusenda Federal Credit Union

Does Nusenda Federal Credit Union offer CDs?

Are CDs from Nusenda Federal Credit Union NCUA insured?

What is the highest CD rate at Nusenda Federal Credit Union?

What CD terms does Nusenda Federal Credit Union offer?

What is the highest savings rate at Nusenda Federal Credit Union?

What is the highest checking rate at Nusenda Federal Credit Union?

What is the lowest auto loan rate at Nusenda Federal Credit Union?

What is the lowest personal loan rate at Nusenda Federal Credit Union?

What is the lowest credit card APR at Nusenda Federal Credit Union?

How many branches does Nusenda Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Nusenda Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Nusenda Federal Credit Union rates compare?

Current Nusenda Federal Credit Union Rates

Compare to Other Credit Unions