Hot Days, Cool Loan Deals

Hot Days, Cool Loan Deals

Summer is heating up, and we’ve got a cool way to help you save. For the month of June, you can score loan rates as low as 4.59% APR* on your next purchase or when you refinance a loan from another lender with U-1st Community Federal Credit Union.

Save on More Than the Payment

Refinancing could help bring down your monthly payment and make those everyday costs a little easier to handle, from food, gas and insurance to home repairs.

We’ll Help You Find What Works

At your credit union, we’re all about helping you keep borrowing simple and affordable with better rates and lower fees. And when you’re ready, we’ll help you sort through your options and choose financing that fits your budget and your plans.

When You’re Ready, Come See Us

Once you’ve done a little homework and have a budget in mind, stop by and chat with the vehicle-buying team at the credit union. We’d be happy to help you look at your options and find a low-rate loan that feels right for you.

Make Summer Even Better

Summer in Carlsbad can be a long one, so why not make the most of it? With our Spring into Summer personal loans, you can jump into that home project, plan the getaway you’ve been thinking about, or give your budget a little extra breathing room for whatever comes next with rates as low as 7.89% APR*

MEMBERSHIP REQUIRED
NEW MONEY ONLY
CANNOT REFINANCE EXISTING U-1ST CFCU LOANS
*On Approved Credit – Certain Terms and Conditions apply

Read Our Spring Newsletter

Read Our Spring Newsletter

New Mexico Ramp Project

Building Independence for Those in Need! The New Mexico Ramp Project builds ramps for people in New Mexico with mobility issues at no cost. Our vision is that no New Mexico resident with mobility issues shall lack safe access to their residence because of financial limitations.

Learn More & How to Donate

5-Star U-1st Community Federal Credit Union – Meeting Today’s Needs; Anticipating Tomorrow’s

Carlsbad, New Mexico – March 2026: BauerFinancial, Inc., the Nation’s Premier Credit Union and Bank Rating Firm, would like to congratulate U-1st Community F.C.U., Carlsbad, NM for earning its highest, 5-Star Superior rating. This marks the 75^th consecutive quarter that U-1st Community F.C.U. has earned a recommended rating (5-Stars or 4-Stars) from the rating firm (18 years!). A 5-Star Superior rating indicates that U-1st Community F.C.U. is one of the strongest credit unions in the nation, excelling in areas of capital, loan quality, stability and more.This latest rating was assigned in March 2026, based on December 31, 2025, financial data. 

“Credit unions like U-1st Community F.C.U. are perfectly positioned to provide the specialized support that is unique to their membership,” observes Karen L. Dorway, president of BauerFinancial. “These institutions promote growth by investing back into the same field of membership from where the deposits originated. By fostering these relationships, they are highly supportive of, and accountable to, their members. This also enables them to anticipate new needs and desires and gets the wheels in motion to satisfy those needs.”

Since its inception in 1955, U-1st Community F.C.U. has been a committed supporter of the people in its field of membership (FOM). They are the reason it exists. U-1st Community F.C.U. has been a dedicated partner for 71 years and is committed to supporting its members for years to come.

Visit u1stcommfcu.net.

U-1st Community F.C.U.: “Where We Put YOU First!”

Bank and Credit Union data compiled from financial data for the period noted, as reported to federal regulators. The financial data obtained from these sources is consistently reliable, although; the accuracy and completeness of the data cannot be guaranteed by BauerFinancial, Inc. Since 1983, BauerFinancial has relied upon this data in its judgment and in rendering its opinion (e.g. determination of star ratings). BauerFinancial, Inc. is not a financial advisor; it is an independent bank research firm. No institution can pay for or opt out of a BauerFinancial rating. Star-ratings are all available for free at bauerfinancial.com.

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BauerFinancial, Inc. P.O. Box 143520, Coral Gables, FL 33114     bauerfinancial.com

Thank You for Being a Credit Union Member

This year has been like no other. But somehow we made it. A new year always provides us with the opportunity to reflect on what we’ve been through – and to marvel at the possibilities of what lies ahead. 

We approach each new year with a sense of optimism, and 2025 is no different. To capture that sense of hope – and the belief that better days are coming. Your Board of Directors, Volunteers and Staff would like to thank our members for their unwavering support. We hope that we have met your financial needs and served you well during these unprecedented events. 

Attention:

U-1st Community Federal Credit Union will not solicit confidential or sensitive member information via e-mail, telephone or other communication methods. The Credit Union will not send e-mails or text messages nor call a member requesting confidential information such as account numbers, passwords or personal identification numbers (PINs). Members are asked to report any such requests to the Credit Union immediately.

The Credit Unions web page should not be accessed from a link provided by a third party. It should only be accessed by typing our website name, URL address into the web browser or by using a bookmark that directs the web browser to the Credit Union’s website.

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