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


Holiday Loan Options

November 4th, 2020 by
santa long

Making the Seasons Bright!

Don’t let the ghost of Christmas Past come to visit this year by running up high balances on your credit cards. U-1st Community Federal Credit Union has several options to give you peace of mind because you’ll know the exact amount of your payments!

Unsecured Loan

18 Months as low as 5.99% APR*

11/1/20 – 12/31/20. *On approved credit.

Quick Loan

Available year round!

Between $500 – $2,000!*
3 – 12 month terms.

*Quick loans between 28% APR with $20 application fee. Must have 3 years continuous employment and direct deposit. Underwriting terms and conditions apply.

Skip A Payment

Skip your November or December loan payment!

Loan must have no late payments for past 3 months, all interest due must be paid and a $25 fee.

Discounts OFF Applicable Rates On All NEW Loans

July 22nd, 2020 by


To Our Valued U-1st Community FCU Members:

March 23rd, 2020 by

March 18, 2020

As COVID-19 impacts us all nationwide, U-1st Community FCU is well prepared to manage this crisis with our proven business continuity plans and protocols, seamlessly supporting our members while keeping our employees safe.

U-1st Community FCU has weathered the most challenging events of the 20th and 21st centuries – mine layoffs, shutdowns, mine closures resulting in your Credit Union becoming a Community Credit Union as well as in times of war, depressions and recessions, pandemics, not to mention natural disasters. We are among the survivors with the greatest financial strength as evidenced by our exemplary ratings, and we were founded on the premise such as these to effectively manage and to withstand times like these.

Following guidance from the Center of Disease Control (CDC) to reduce in-person contact,      U-1st Community FCU will begin providing only drive-thru teller services effective Monday, March 23, 2020. Most all of your transaction can be done through our newly renovated, expanded drive-thru.

Monday – Friday 8:30 AM to 5:30 PM              Saturday 9:00 AM to Noon

If you have any questions or need additional information, please do not hesitate to contact our Manager, Theresa Quinonez at 575-887-1785 or 575-887-0098.

Since the World Health Organization (WHO) has classified COVID-19 (coronavirus) as a pandemic. U1st Community Federal Credit Union must initiate our Pandemic Response Plan.

Lobby services will be available to our members by appointment only. 

To our Shared Branching Members. A strength and benefit of the Shared Branch Network is to provide aid, assistance and continuity for fellow credit unions during times of crisis. We understand and continue to operate with the best interest of credit unions and their members in mind. Our credit union will opt out of Shared Branching in our lobby temporarily, however our first lane drive-thru is available for Shared Branching Members to make necessary transactions.


Manage and Grow Your Business on Your Own Terms

January 27th, 2020 by

We now provide members with an opportunity to apply for small business loans and lines of credit up to $250,000 to meet cash flow needs and grow their business like never before. 


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August 14th, 2018 by

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U-1st Community Federal Credit Union

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Contact Us

: 601 N. Canal St.
Carlsbad, NM 88220

: 575-887-1785 or 575-887-0098

Toll Free: 1-800-377-6808

: 575-887-7220

: u1stcommfcu@pvtn.net

Routing #: 312276111

Co-op Shared Branching Logo

U-1st Community Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 575-887-1785. All products and services available on this website are available at our credit union office.

Any unauthorized access or use of the web site is not permitted and may constitute a crime punishable by law.

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency