601 N. Canal St. Carlsbad, NM 88220  (575) 887-1785 or (575) 887-0098   Routing #: 312276111     u1stcommfcu@pvtn.net | u1stcfcu@pvtn.net | Lobby Hours: M – F: 9am – 5:30pm

U1st Community Federal Credit Union

u1st punt your first payment! APPLY NOW!
Punt your first payment! beat your current rate by 2%. Campaign starts 10/01/21. new vehicles 1.99% apr*. used vehicles 2.99% apr*. refinancing or new purchase.

*APR = Annual Percentage Rate. Approved applicants (Excludes current U-1st CFCU Loans-NEW MONEY ONLY) will have the option to “punt” their first payment for 90 days. Applicants must have a 700 or better credit score. Football vector courtesy of Vecteezy.

u1st fcu refi ruckus APPLY NOW!
Punt your first payment! beat your current rate by 2%. Campaign starts 10/01/21. new vehicles 1.99% apr*. used vehicles 2.99% apr*. refinancing or new purchase.

*Models 2016 or Newer **APR = Annual Percentage Rate. This Promotion is for Applicants who have credit score between 699-550. On Approved Credit.

Refinance your HIGH RATE Auto Loan from Another Lender with our credit union for better, lower rates. We even offer Refi Ruckus to U-1st CFCU members that already have their auto loans with us and if they meet a certain equity minimum and utilize that equity for purposes such as Consolidation, Vacation, Home Remodel, Christmas, etc. We also seek to help those looking to purchase by offering Refi Ruckus on new/used purchases as well. Everyone wins! What’s so special about Refi Ruckus? Refi Ruckus not only provides low auto rates, but it also includes CASH BACK. With this year’s Refi Ruckus, approved applicants will be able to receive New Auto Rate at 6.99%APR** and Used* Auto Rate at 8.48%APR** AND up to $200 cash back with each deal!

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Debit Cards

Fraud for Cardholders:                
1-855-961-1602

Card Activation:                               
1-855-726-4885

After hours Hot Card Service:      
1-888-263-3370

Visa Credit Cards

To dispute transactions:
1-800-600-5249

Fraud/Lost Card:
1-800-322-8472

Read Our Fall Newsletter!

New Fee Structure Effective November 12, 2021

new fee structure
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5 star federal credit union

5-Star Rated U-1st Community FCU – Doing Well While Doing Good

July 2020: Coral Gables, Florida, BauerFinancial, Inc., the Nations Premier Credit Union and Bank Rating Firm, proudly annouces that U-1st Community F.C.U., Carlsbad, New Mexico has been awarded Bauer’s recommendation (5-Stars or 4-Stars) for 52 consecutive quarters. Earning and maintaining this recommendation for 18 conseutive quarters, especially in this environment, makes its accomplishment even more inpressive.

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chip card technology

Introducing Chip Card Technology

Big protection in a tiny chip. It’s so easy to pay at a chip enabled terminal.

Learn about Visa Chip Card

Phishing Alert

Phishing is the act of attempting to acquire personal information such as passwords and credit or debit card details by masquerading as a trustworthy entity such as a credit union, bank or credit card company.

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