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U 1st Community Federal Credit Union

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U 1st Community Federal Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, U 1st Community 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: April 23, 2026

You can compare U 1st Community Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.40%, 6-month share certificate rates at 3.65% and 3-month share certificate rates at 1.50%. Savings rates are at 0.15% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.05%. All these rates can be compared to U 1st Community Federal Credit Union rates. MonitorBankRates evaluates the financial stability of U 1st Community Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.25%. Rates were last updated on 04/23/2026.

U 1st Community 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 U 1st Community Federal Credit Union? Share your experience about U 1st Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use U 1st Community Federal Credit Union.

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.25%

Excellent Higher than avg

U 1st Community Federal Credit Union
Main Office

601 N Canal St
Carlsbad, NM 88220 5805

https://www.u1stcommfcu.net

Current Rate Availability

We do not have U 1st Community Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for U 1st Community 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 U 1st Community 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 U 1st Community Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name U 1st Community Federal Credit Union

Website https://www.u1stcommfcu.net

Address 601 N Canal St, Carlsbad, NM 88220 5805

Phone 575-887-1785

Fax 575-887-7220

President Van Jarvis

CEO THERESA QUINONEZ

Full-Time Employees 3

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.25%

Return on Assets (ROA)

0.6752%

Return on Equity (ROE)

4.5169%

Non-Performing Loans Ratio (NPL)

2.06%

Total Assets

9,510,128

Total Amount of Shares and Deposits

8,063,031

Total Shares and Deposits < 1 Year

7,701,063

Total Shares and Deposits 1 3 Years

361,969

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

51,766

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

51,766

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

8,011,265

Total Interest Expense (Sum of items 6 8)

57,376

Share Certificates

Number of Accounts for Share Drafts

219

IRA KEOGH Accounts

Number of Accounts for Regular Shares

916

Money Market Shares

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,398,376

Total Liabilities

8,088,572

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for U 1st Community Federal Credit Union yet. Feel free to create one below.

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Frequently Asked Questions About U 1st Community Federal Credit Union

Is U 1st Community Federal Credit Union a safe place to deposit money?

Yes, U 1st Community Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 8.2513428082917%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does U 1st Community Federal Credit Union operate?

U 1st Community 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 U 1st Community Federal Credit Union?

Yes, to access services at U 1st Community 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, U 1st Community 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, U 1st Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does U 1st Community Federal Credit Union offer online and mobile banking?

Most modern institutions like U 1st Community 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.u1stcommfcu.net.