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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 ZIA Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
ZIA Credit Union's 12 month Youth CD rates are at 5.00%, Youth CD (IRA CDs) 12 month rates are at 5.00%, IRA CD & Greater) 6 month rates are at 3.72%, 6 month CD & Greater) rates are at 3.72%, CD & Greater) 7 Month "Lucky 7" Special! rates are at 3.72%. ZIA Credit Union's savings rates are at 0.01%. ZIA Credit Union's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of ZIA Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.75%. Rates were last updated on 04/18/2026. ZIA 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 ZIA Credit Union? Share your experience about ZIA Credit Union by leaving a review below, or read customer reviews before you decide to use ZIA Credit Union. 
ZIA Credit Union CD Rates
ZIA Credit Union Savings Rates
ZIA Credit Union Auto Loan Rates
ZIA Credit Union Credit Card Rates
ZIA Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for ZIA 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 ZIA 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 ZIA Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
ZIA Credit Union
Website
https://www.ziacu.org
Address
1001 Central Ave,
Los Alamos, NM 87544
Phone
505-662-4671
Fax
President
Juan Carlos Garcia
CEO
Dwayne Herrera
Full-Time Employees
65
Part-Time Employees
1
Branch Locations
3
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.75%
Return on Assets (ROA)
0.5974%
Return on Equity (ROE)
7.3657%
Non-Performing Loans Ratio (NPL)
0.49%
Total Assets
255,070,008
Total Amount of Shares and Deposits
234,735,030
Total Shares and Deposits < 1 Year
228,476,393
Total Shares and Deposits 1 3 Years
6,120,615
Total Shares and Deposits > 3 Years
138,022
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
12,114,563
Total Uninsured Shares and Deposits > $250K (F+J)
12,114,563
Total Insured Shares and Deposits > $250K (item 17 less item K)
222,620,467
Total Interest Expense (Sum of items 6 8)
2,709,497
Share Certificates
1,180
Number of Accounts for Share Drafts
8,915
IRA KEOGH Accounts
324
Number of Accounts for Regular Shares
14,427
All other shares
226
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
12,645,398
Total Liabilities
235,745,612
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About ZIA Credit UnionIs ZIA Credit Union a safe place to deposit money?Yes, ZIA Credit Union is considered a safe financial institution. With a Texas Ratio of 4.7506931240327%, 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 ZIA Credit Union operate?ZIA 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 ZIA Credit Union?Yes, to access services at ZIA 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, ZIA 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, ZIA Credit Union provides members with tools to manage their accounts and build a solid financial history. Does ZIA Credit Union offer online and mobile banking?Most modern institutions like ZIA 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.ziacu.org. Current ZIA Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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