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Helping Wallets Breathe Easier This Spring-Since Forever

April 2nd, 2026 by Joe Spancic

U-1st Community FCU understands that financial flexibility is essential. That’s why we have always focused on making life easier for our members, offering solutions that help your wallet breathe easier with Unsecured Loan rates as low as 8.59%APR* for the month of April . High interest rates should not turn borrowing from a luxury into a life sentence. Your goals are our priorities. Our dedication to your financial well-being means we are invested in you, your dreams, and your future.
*On Approved Credit-Certain Terms & Conditions Apply

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Read Our Spring Newsletter

April 1st, 2026 by Joe Spancic

Read Our Spring Newsletter

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New Mexico Ramp Project

September 17th, 2025 by Joe Spancic

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

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

September 30th, 2025 by Joe Spancic

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

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Thank You for Being a Credit Union Member

January 6th, 2025 by ryan

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.

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Attention:

May 14th, 2024 by Joe Spancic

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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