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Otero Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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 →
| iEditorial Disclosure
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 and Verified: October 12, 2026

Otero Federal Credit Union's top rates as of October 12, 2026 are 3.70% APY on its New Share / IRA CDs - 60 month, 0.15% APY on savings, personal loans from 9.99% APR, and credit cards from 13.96% APR, according to rates verified by MonitorBankRates. Other Otero Federal Credit Union CD rates include Share / IRA CD - 60 month at 3.70%, New Share / IRA CDs - 48 month at 3.65%, and Share / IRA CD - 48 month at 3.65%. MonitorBankRates evaluates the financial stability of Otero Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.75%. Rates last updated and verified on 10/12/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.75%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Otero Federal Credit Union
Administration Offices
1200 10th St
Alamogordo, NM 88310
https://www.oterofcu.org
Member NCUA
Customer Reviews
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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.

Otero Federal Credit Union CD Rates

Product Rate APY Term View More
New Share / IRA Certificates - 60 month 3.64% 3.70% 60 months
Min Balance $1,000
Details Effective August 21, 2026; Early withdrawal penalties apply
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 12, 2026: 3.70% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Share / IRA Certificate - 60 month 3.64% 3.70% 60 months
Min Deposit $1,000
Details Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.64%; Early withdrawal penalties apply
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New Share / IRA Certificates - 48 month 3.59% 3.65% 48 months
Min Balance $1,000
Details Effective August 21, 2026; Early withdrawal penalties apply
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 12, 2026: 3.65% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Share / IRA Certificate - 48 month 3.59% 3.65% 48 months
Min Deposit $1,000
Details Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.59%; Early withdrawal penalties apply
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 12, 2026: 3.65% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New Share / IRA Certificates - 36 month 3.54% 3.60% 36 months
Min Balance $1,000
Details Effective August 21, 2026; Early withdrawal penalties apply
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 12, 2026: 3.60% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Share / IRA Certificate - 36 month 3.54% 3.60% 36 months
Min Deposit $1,000
Details Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.54%; Early withdrawal penalties apply
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 12, 2026: 3.60% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New Share / IRA Certificates - 24 month 3.49% 3.55% 24 months
Min Balance $1,000
Details Effective August 21, 2026; Early withdrawal penalties apply
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 12, 2026: 3.55% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Share / IRA Certificate - 24 month 3.49% 3.55% 24 months
Min Deposit $1,000
Details Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.49%; Early withdrawal penalties apply
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 12, 2026: 3.55% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New Share / IRA Certificates - 18 month 3.45% 3.50% 18 months
Min Balance $1,000
Details Effective August 21, 2026; Early withdrawal penalties apply
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Share / IRA Certificate - 18 month 3.45% 3.50% 18 months
Min Deposit $1,000
Details Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.45%; Early withdrawal penalties apply
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New Share / IRA Certificates - 12 month 3.40% 3.45% 12 months
Min Balance $1,000
Details Effective August 21, 2026; Early withdrawal penalties apply
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 12, 2026: 3.45% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Share / IRA Certificate - 12 month 3.40% 3.45% 12 months
Min Deposit $1,000
Details Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.40%; Early withdrawal penalties apply
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 12, 2026: 3.45% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New Share / IRA Certificates - 6 month 3.35% 3.40% 6 months
Min Balance $1,000
Details Effective August 21, 2026; Early withdrawal penalties apply
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 12, 2026: 3.40% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Share / IRA Certificate - 6 month 3.35% 3.40% 6 months
Min Deposit $1,000
Details Effective August 21, 2026; posting date 09-30-2026; Dividend rate 3.35%; Early withdrawal penalties apply
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 12, 2026: 3.40% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%

Otero Federal Credit Union Savings Rates

Product Rate APY View More
Regular Savings 0.15% 0.15%
Details Dividends for period 09-01-2026 to 09-30-2026
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.15% APY · checked 3 times
0.00%0.33%0.65%Sep 12, 2026: 0.15% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%

Otero Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
HELOC Vacant Land - - 7.00% 10 Year
Details Maximum Loan Amount: $100,000; Loan to value: 75% Fully Developed, 65% Improved Property, 50% Raw Acreage
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.00% APR
6.50%7.00%7.50%Oct 12, 2026: 7.00% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%

Otero Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Repossessed Vehicles Loan - - 1.99% 12 - 75 months
Details As Low As; Repossessed vehicle loans; rates apply to members with excellent credit histories
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 1.99% APR · checked 8 times
1.49%1.99%2.49%Sep 12, 2026: 1.99% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Automobiles - - 4.74% 12 - 48 months
Details As Low As; Vehicle Year: 2022 - 2027
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 12, 2026: 4.74% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Cars, Trucks, and Passenger Vans Loan - - 4.74% 12 - 48 months
Details As Low As; Vehicle Year: 2022 - 2027
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Oct 8, 2026: 4.74% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Automobiles - - 5.24% 49 - 60 months
Details As Low As; Vehicle Year: 2022 - 2027
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 5.74% → 5.24% ▼ 0.50 pts · high 5.74% / low 5.24%
4.74%5.49%6.24%Sep 12, 2026: 5.74% APRSep 20, 2026: 5.24% APRSep 12, 2026Oct 13, 2026
  • Sep 20, 20265.24%▼ from 5.74%
  • Sep 12, 20265.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Automobiles - - 5.24% 12 - 48 months
Details As Low As; Vehicle Year: 2018 - 2021
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 4.74% → 5.24% ▲ 0.50 pts · high 5.24% / low 4.74%
4.24%4.99%5.74%Sep 12, 2026: 4.74% APRSep 20, 2026: 5.24% APRSep 12, 2026Oct 13, 2026
  • Sep 20, 20265.24%▲ from 4.74%
  • Sep 12, 20264.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Cars, Trucks, and Passenger Vans Loan - - 5.24% 49 - 60 months
Details As Low As; Vehicle Year: 2022 - 2027
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 5.24% APR · checked 2 times
4.74%5.24%5.74%Oct 8, 2026: 5.24% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Cars, Trucks, and Passenger Vans Loan - - 5.24% 12 - 48 months
Details As Low As; Vehicle Year: 2018 - 2021
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 5.24% APR · checked 2 times
4.74%5.24%5.74%Oct 8, 2026: 5.24% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Automobiles - - 5.49% 61 - 75 months
Details As Low As; Vehicle Year: 2022 - 2027
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.49% APR · checked 5 times
4.99%5.49%5.99%Sep 12, 2026: 5.49% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Cars, Trucks, and Passenger Vans Loan - - 5.49% 61 - 75 months
Details As Low As; Vehicle Year: 2022 - 2027
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 5.49% APR · checked 2 times
4.99%5.49%5.99%Oct 8, 2026: 5.49% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Automobiles - - 5.74% 49 - 60 months
Details As Low As; Vehicle Year: 2018 - 2021
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.74% APR · checked 5 times
5.24%5.74%6.24%Sep 12, 2026: 5.74% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Cars, Trucks, and Passenger Vans Loan - - 5.74% 49 - 60 months
Details As Low As; Vehicle Year: 2018 - 2021
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 5.74% APR · checked 2 times
5.24%5.74%6.24%Oct 8, 2026: 5.74% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Automobiles - - 5.99% 76 - 84 months
Details As Low As; Vehicle Year: 2022 - 2027
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.99% APR · checked 5 times
5.49%5.99%6.49%Sep 12, 2026: 5.99% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Cars, Trucks, and Passenger Vans Loan - - 5.99% 76 - 84 months
Details As Low As; Vehicle Year: 2022 - 2027
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 5.99% APR · checked 2 times
5.49%5.99%6.49%Oct 8, 2026: 5.99% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Automobiles - - 6.24% 61 - 75 months
Details As Low As; Vehicle Year: 2018 - 2021
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 5.49% → 6.24% ▲ 0.75 pts · high 6.24% / low 5.49%
4.74%5.87%6.99%Sep 12, 2026: 5.49% APRSep 20, 2026: 6.24% APRSep 12, 2026Oct 13, 2026
  • Sep 20, 20266.24%▲ from 5.49%
  • Sep 12, 20265.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Automobiles - - 6.24% 12 - 48 months
Details As Low As; Vehicle Year: 2017 & Older
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 4.74% → 6.24% ▲ 1.50 pts · high 6.24% / low 4.74%
3.24%5.49%7.74%Sep 12, 2026: 4.74% APRSep 20, 2026: 6.24% APRSep 12, 2026Oct 13, 2026
  • Sep 20, 20266.24%▲ from 4.74%
  • Sep 12, 20264.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Cars, Trucks, and Passenger Vans Loan - - 6.24% 61 - 75 months
Details As Low As; Vehicle Year: 2018 - 2021
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.24% APR · checked 2 times
5.74%6.24%6.74%Oct 8, 2026: 6.24% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Cars, Trucks, and Passenger Vans Loan - - 6.24% 12 - 48 months
Details As Low As; Vehicle Year: 2017 & Older
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.24% APR · checked 2 times
5.74%6.24%6.74%Oct 8, 2026: 6.24% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Vehicle Loans - - 6.49% Up to 48 months
Details Vehicle Age: Current calendar year up to 3 years old
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.49% APR · checked 2 times
5.99%6.49%6.99%Oct 8, 2026: 6.49% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Automobiles - - 6.74% 76 - 84 months
Details As Low As; Vehicle Year: 2018 - 2021
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 5.99% → 6.74% ▲ 0.75 pts · high 6.74% / low 5.99%
5.24%6.37%7.49%Sep 12, 2026: 5.99% APRSep 20, 2026: 6.74% APRSep 12, 2026Oct 13, 2026
  • Sep 20, 20266.74%▲ from 5.99%
  • Sep 12, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Automobiles - - 6.74% 49 - 60 months
Details As Low As; Vehicle Year: 2017 & Older
Last Updated 10/12/2026
Rate History
1 change since Sep 12, 2026 · 5.74% → 6.74% ▲ 1.00 pts · high 6.74% / low 5.74%
4.74%6.24%7.74%Sep 12, 2026: 5.74% APRSep 20, 2026: 6.74% APRSep 12, 2026Oct 13, 2026
  • Sep 20, 20266.74%▲ from 5.74%
  • Sep 12, 20265.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Cars, Trucks, and Passenger Vans Loan - - 6.74% 76 - 84 months
Details As Low As; Vehicle Year: 2018 - 2021
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.74% APR · checked 2 times
6.24%6.74%7.24%Oct 8, 2026: 6.74% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Cars, Trucks, and Passenger Vans Loan - - 6.74% 49 - 60 months
Details As Low As; Vehicle Year: 2017 & Older
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.74% APR · checked 2 times
6.24%6.74%7.24%Oct 8, 2026: 6.74% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Vehicle Loans - - 6.99% 49 - 60 months
Details Vehicle Age: Current calendar year up to 3 years old
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.99% APR · checked 2 times
6.49%6.99%7.49%Oct 8, 2026: 6.99% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Vehicle Loans - - 6.99% Up to 48 months
Details Vehicle Age: Four to ten years old
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 6.99% APR · checked 2 times
6.49%6.99%7.49%Oct 8, 2026: 6.99% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Vehicle Loans - - 7.24% 61 - 75 months
Details Vehicle Age: Current calendar year up to 3 years old
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.24% APR · checked 2 times
6.74%7.24%7.74%Oct 8, 2026: 7.24% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Vehicle Loans - - 7.49% 49 - 60 months
Details Vehicle Age: Four to ten years old
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.49% APR · checked 2 times
6.99%7.49%7.99%Oct 8, 2026: 7.49% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Vehicle Loans - - 7.74% 76 - 84 months
Details Vehicle Age: Current calendar year up to 3 years old
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.74% APR · checked 2 times
7.24%7.74%8.24%Oct 8, 2026: 7.74% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Vehicle Loans - - 7.99% 61 - 75 months
Details Vehicle Age: Four to ten years old
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.99% APR · checked 2 times
7.49%7.99%8.49%Oct 8, 2026: 7.99% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Powersport Vehicles Loan - - 8.00% 12 - 60 months
Details As Low As; Type: New
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.00% APR
7.50%8.00%8.50%Oct 12, 2026: 8.00% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Vehicle Loans - - 8.49% 76 - 84 months
Details Vehicle Age: Four to ten years old
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.49% APR · checked 2 times
7.99%8.49%8.99%Oct 8, 2026: 8.49% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Vehicle Loans - - 8.49% Up to 48 months
Details Vehicle Age: Eleven years and older
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.49% APR · checked 2 times
7.99%8.49%8.99%Oct 8, 2026: 8.49% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Powersport Vehicles Loan - - 8.50% 61 - 75 months
Details As Low As; Type: New
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.50% APR
8.00%8.50%9.00%Oct 12, 2026: 8.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Vehicle Loans - - 8.99% 49 - 60 months
Details Vehicle Age: Eleven years and older
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.99% APR · checked 2 times
8.49%8.99%9.49%Oct 8, 2026: 8.99% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Powersport Vehicles Loan - - 9.00% 12 - 60 months
Details As Low As; Type: Used
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 9.00% APR
8.50%9.00%9.50%Oct 12, 2026: 9.00% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Powersport Vehicles Loan - - 9.50% 61 - 75 months
Details As Low As; Type: Used
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 9.50% APR
9.00%9.50%10.00%Oct 12, 2026: 9.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%

Otero Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Boats, Motors and Trailers Loan - 7.50% 12 - 60 months
Details As Low As; Type: New
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.50% APR
7.00%7.50%8.00%Oct 12, 2026: 7.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Boats Loan - 7.50% 12 - 60 months
Details As Low As; Type: New
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.50% APR
7.00%7.50%8.00%Oct 12, 2026: 7.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New Recreational Vehicles Loan - 7.50% 12 - 72 months
Details As Low As; New recreational vehicle loan; excellent credit members
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.50% APR · checked 2 times
7.00%7.50%8.00%Oct 8, 2026: 7.50% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New Travel Trailers, Camping Trailers, Fifth Wheels, Motor Homes - New 12 - 72 months Loan - 7.50% 12-72 months
Details APR as low as; Type: New
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.50% APR
7.00%7.50%8.00%Oct 12, 2026: 7.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New Recreational Vehicles Loan - 7.75% 73 - 84 months
Details As Low As; New recreational vehicle loan; excellent credit members
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.75% APR · checked 2 times
7.25%7.75%8.25%Oct 8, 2026: 7.75% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New Travel Trailers, Camping Trailers, Fifth Wheels, Motor Homes - New 73 - 84 months Loan - 7.75% 73-84 months
Details APR as low as; Type: New
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.75% APR
7.25%7.75%8.25%Oct 12, 2026: 7.75% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Motorcycles, ATVs, Jet Skis, and Snowmobiles Loan - 8.00% 12 - 60 months
Details As Low As; Type: New
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 8.00% APR · checked 4 times
7.50%8.00%8.50%Sep 20, 2026: 8.00% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New Recreational Vehicles Loan - 8.00% 85 - 120 months
Details As Low As; New recreational vehicle loan; excellent credit members
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.00% APR · checked 2 times
7.50%8.00%8.50%Oct 8, 2026: 8.00% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New Travel Trailers, Camping Trailers, Fifth Wheels, Motor Homes - New 85 - 120 months Loan - 8.00% 85-120 months
Details APR as low as; Type: New
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.00% APR
7.50%8.00%8.50%Oct 12, 2026: 8.00% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New Travel Trailers, Camping Trailers, Fifth Wheels, Motor Homes - Used 12 - 72 months Loan - 8.00% 12-72 months
Details APR as low as; Type: Used
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.00% APR
7.50%8.00%8.50%Oct 12, 2026: 8.00% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Recreational Vehicles Loan - 8.00% Up to 72 months
Details Loan amount: Up to $19,999
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 8.00% APR · checked 8 times
7.50%8.00%8.50%Sep 12, 2026: 8.00% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Used Recreational Vehicles Loan - 8.00% 12 - 72 months
Details As Low As; Used recreational vehicle loan; excellent credit members
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.00% APR · checked 2 times
7.50%8.00%8.50%Oct 8, 2026: 8.00% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New Travel Trailers, Camping Trailers, Fifth Wheels, Motor Homes - Used 73 - 84 months Loan - 8.25% 73-84 months
Details APR as low as; Type: Used
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.25% APR
7.75%8.25%8.75%Oct 12, 2026: 8.25% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Recreational Vehicles Loan - 8.25% 73 - 84 months
Details Loan amount: $20,000 to $34,999
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 8.25% APR · checked 4 times
7.75%8.25%8.75%Sep 12, 2026: 8.25% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Used Recreational Vehicles Loan - 8.25% 73 - 84 months
Details As Low As; Used recreational vehicle loan; excellent credit members
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.25% APR · checked 2 times
7.75%8.25%8.75%Oct 8, 2026: 8.25% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Boat Loan - Up to 60 months - 8.50% Up to 60 months
Details Boats
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.50% APR
8.00%8.50%9.00%Oct 12, 2026: 8.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Boats, Motors and Trailers Loan - 8.50% 61 - 72 months
Details As Low As; Type: New
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.50% APR
8.00%8.50%9.00%Oct 12, 2026: 8.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Boats, Motors and Trailers Loan - 8.50% 12 - 60 months
Details As Low As; Type: Used
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.50% APR
8.00%8.50%9.00%Oct 12, 2026: 8.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Boats Loan - 8.50% 61 - 72 months
Details As Low As; Type: New
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.50% APR
8.00%8.50%9.00%Oct 12, 2026: 8.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Boats Loan - 8.50% 12 - 60 months
Details As Low As; Type: Used
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.50% APR
8.00%8.50%9.00%Oct 12, 2026: 8.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Motorcycles, ATVs, Jet Skis, and Snowmobiles Loan - 8.50% 61 - 75 months
Details As Low As; Type: New
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 8.50% APR · checked 4 times
8.00%8.50%9.00%Sep 20, 2026: 8.50% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New Recreational Vehicles Loan - 8.50% 121 - 144 months
Details As Low As; New recreational vehicle loan; excellent credit members
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.50% APR · checked 2 times
8.00%8.50%9.00%Oct 8, 2026: 8.50% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New Travel Trailers, Camping Trailers, Fifth Wheels, Motor Homes - New 121 - 144 months Loan - 8.50% 121-144 months
Details APR as low as; Type: New
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.50% APR
8.00%8.50%9.00%Oct 12, 2026: 8.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New Travel Trailers, Camping Trailers, Fifth Wheels, Motor Homes - Used 85 - 120 months Loan - 8.50% 85-120 months
Details APR as low as; Type: Used
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.50% APR
8.00%8.50%9.00%Oct 12, 2026: 8.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Recreational Vehicles Loan - 8.50% 85 - 120 months
Details Loan amount: $35,000 to $59,999
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 8.50% APR · checked 3 times
8.00%8.50%9.00%Sep 17, 2026: 8.50% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Used Recreational Vehicles Loan - 8.50% 85 - 120 months
Details As Low As; Used recreational vehicle loan; excellent credit members
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 8.50% APR · checked 2 times
8.00%8.50%9.00%Oct 8, 2026: 8.50% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Motorcycles & Powersports Loan - 9.00% 60 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 9.00% APR · checked 8 times
8.50%9.00%9.50%Sep 12, 2026: 9.00% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Motorcycles, ATVs, Jet Skis, and Snowmobiles Loan - 9.00% 12 - 60 months
Details As Low As; Type: Used
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 9.00% APR · checked 4 times
8.50%9.00%9.50%Sep 20, 2026: 9.00% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New Travel Trailers, Camping Trailers, Fifth Wheels, Motor Homes - Used 121 - 144 months Loan - 9.00% 121-144 months
Details APR as low as; Type: Used
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 9.00% APR
8.50%9.00%9.50%Oct 12, 2026: 9.00% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Recreational Vehicles Loan - 9.00% 121 - 144 months
Details Loan amount: $60,000 and over
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 9.00% APR · checked 4 times
8.50%9.00%9.50%Sep 12, 2026: 9.00% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Used Recreational Vehicles Loan - 9.00% 121 - 144 months
Details As Low As; Used recreational vehicle loan; excellent credit members
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 9.00% APR · checked 2 times
8.50%9.00%9.50%Oct 8, 2026: 9.00% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Boat Loan - 61 - 72 months - 9.50% 61-72 months
Details Boats
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 9.50% APR
9.00%9.50%10.00%Oct 12, 2026: 9.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Boats, Motors and Trailers Loan - 9.50% 73 - 120 months
Details As Low As; Type: New
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 9.50% APR
9.00%9.50%10.00%Oct 12, 2026: 9.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Boats, Motors and Trailers Loan - 9.50% 61 - 72 months
Details As Low As; Type: Used
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 9.50% APR
9.00%9.50%10.00%Oct 12, 2026: 9.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Motorcycles & Powersports Loan - 9.50% 75 months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 9.50% APR · checked 8 times
9.00%9.50%10.00%Sep 12, 2026: 9.50% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Boats Loan - 9.50% 73 - 120 months
Details As Low As; Type: New
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 9.50% APR
9.00%9.50%10.00%Oct 12, 2026: 9.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Boats Loan - 9.50% 61 - 72 months
Details As Low As; Type: Used
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 9.50% APR
9.00%9.50%10.00%Oct 12, 2026: 9.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Motorcycles, ATVs, Jet Skis, and Snowmobiles Loan - 9.50% 61 - 75 months
Details As Low As; Type: Used
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 9.50% APR · checked 4 times
9.00%9.50%10.00%Sep 20, 2026: 9.50% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Boat Loan - 73 - 120 months - 10.50% 73-120 months
Details Boats
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 10.50% APR
10.00%10.50%11.00%Oct 12, 2026: 10.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Boats, Motors and Trailers Loan - 10.50% 73 - 120 months
Details As Low As; Type: Used
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 10.50% APR
10.00%10.50%11.00%Oct 12, 2026: 10.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Boats Loan - 10.50% 73 - 120 months
Details As Low As; Type: Used
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 10.50% APR
10.00%10.50%11.00%Oct 12, 2026: 10.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%

Otero Federal Credit Union Credit Card Rates

Product Rate APR View More
Visa Platinum Credit Card - Without Rewards - 13.96%
Details Intro rate expires: 12 billing cycles; Regular APR: Base - 13.96%, Tier 1 - 16.96%, Tier 2 - 18.00%; Installment Payments Rate: Base - 5.99%, Tier 1 - 7.99%, Tier 2 - 9.99%
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 13.96% APR
13.46%13.96%14.46%Oct 12, 2026: 13.96% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Visa Platinum Without Rewards - 13.96%
Details Intro rate expires: 12 billing cycles; Regular APR: Base - 13.96%, Tier 1 - 16.96%, Tier 2 - 18.00%; Installment Payments Rate: Base - 5.99%, Tier 1 - 7.99%, Tier 2 - 9.99%
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 13.96% APR · checked 2 times
13.46%13.96%14.46%Sep 20, 2026: 13.96% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Visa Platinum Credit Card - With Rewards - 14.96%
Details Intro rate expires: first 12 billing cycles; Regular APR: 14.96%; Installment Payments Rate: 5.99%
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 14.96% APR
14.46%14.96%15.46%Oct 12, 2026: 14.96% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Visa Platinum With Rewards - 14.96%
Details Intro rate expires: first 12 billing cycles; Regular APR: 14.96%; Installment Payments Rate: 5.99%
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 14.96% APR · checked 2 times
14.46%14.96%15.46%Sep 20, 2026: 14.96% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%

Otero Federal Credit Union Personal Loan Rates

Product APR Term View More
Personal Loans Closed-End Signature 9.99% 12 - 60 months
Details As Low As; APR based on credit worthiness
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 9.99% APR · checked 8 times
9.49%9.99%10.49%Sep 12, 2026: 9.99% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Personal Loans Open-End Signature 10.99%
Details As Low As; APR based on credit worthiness
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 10.99% APR · checked 8 times
10.49%10.99%11.49%Sep 12, 2026: 10.99% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%

Otero Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
EcoFriendly Loan - - 5.99% 12 - 120 months
Details As Low As; APR based on credit worthiness
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 5.99% APR · checked 8 times
5.49%5.99%6.49%Sep 12, 2026: 5.99% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Horse and Utility Trailers Loan - - 9.00% 12 - 60 months
Details As Low As; Type: New/Used; Apply Online for Horse/Utility Trailer Loan
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 9.00% APR · checked 6 times
8.50%9.00%9.50%Sep 17, 2026: 9.00% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
New & Used Trailers (Horse & Utility) Loan - - 9.00% 12 - 60 months
Details As Low As; Type: New/Used
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 9.00% APR · checked 6 times
8.50%9.00%9.50%Sep 12, 2026: 9.00% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
PAL Loan - - 28.00% 6 months
Details As Low As; Minimum of six (6) months established membership required; minimum of one (1) month income verification required; minimum of two (2) months direct deposit
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 28.00% APR · checked 8 times
27.50%28.00%28.50%Sep 12, 2026: 28.00% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Vacant Land Loan - - 7.00% 10 Year
Details Fixed Rate
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 7.00% APR · checked 8 times
6.50%7.00%7.50%Sep 12, 2026: 7.00% APRSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
Share IRAs 0.15% - 0.15%
Details Dividends for period 09-01-2026 to 09-30-2026
Last Updated 10/12/2026
Rate History
No change since Sep 12, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 12, 2026: 0.15% APYSep 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.75%
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.
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Financial Health History

Otero Federal Credit Union’s Texas Ratio stayed near 0.69% in Q3 2023 to 0.75% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 0.5% 2.0★ 1.1% 3.0★ 1.6% 4.0★ 2.2% 5.0★ Healthy zone – entire history below the 15% limit 0.69% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 0.75% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$535M0.75%5.0A+
March 31, 2026$532M0.67%5.0A+
December 31, 2025$520M1.28%5.0A+
September 30, 2025$509M1.12%5.0A+
June 30, 2025$505M0.90%5.0A+
March 31, 2025$503M0.76%5.0A+
December 31, 2024$487M1.60%5.0A+
September 30, 2024$481M1.21%5.0A+
June 30, 2024$476M1.04%5.0A+
March 31, 2024$470M0.71%5.0A+
December 31, 2023$459M1.27%5.0A+
September 30, 2023$453M0.69%5.0A+
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 Otero 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 Otero 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 Otero Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Otero Federal Credit Union
Website https://www.oterofcu.org
Address 1200 10th St, Alamogordo, NM 88310
Phone 575-434-8500
Fax 575-434-8539
President Harry Bloom
CEO Melene Street
Full-Time Employees 97
Part-Time Employees 1
Branch Locations 6
ATM Locations 6
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.75%
Return on Assets (ROA)
0.8613%
Return on Equity (ROE)
5.5431%
Non-Performing Loans Ratio (NPL)
0.26%
Total Assets
535,324,787
Total Amount of Shares and Deposits
450,698,647
Total Shares and Deposits < 1 Year
431,358,470
Total Shares and Deposits 1 3 Years
16,721,491
Total Shares and Deposits > 3 Years
2,618,686
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
12,909,033
Total Uninsured Shares and Deposits > $250K (F+J)
12,909,033
Total Insured Shares and Deposits > $250K (item 17 less item K)
437,789,614
Total Interest Expense (Sum of items 6 8)
2,504,677
Share Certificates
2,825
Number of Accounts for Share Drafts
20,180
IRA KEOGH Accounts
990
Number of Accounts for Regular Shares
37,755
All other shares
360
Money Market Shares
575
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)
25,027,066
Total Liabilities
453,653,911
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Otero Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Otero Federal Credit Union

How many branches does Otero Federal Credit Union operate?

Otero 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 Otero Federal Credit Union?

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

Does Otero Federal Credit Union offer online and mobile banking?

Most modern institutions like Otero 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.oterofcu.org.

Current Otero Federal Credit Union Rates

  • 12-Month CD3.45%
  • 18-Month CD3.50%
  • 24-Month CD3.55%
  • 60-Month CD3.70%
  • Savings0.15%
Retrieved from our database of financial products. Rates subject to change.

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