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 – 5:00pm | Like Us on Facebook

Loan Services

U-1st Community Federal Credit Union offers a full range of loan services tailored to your needs. We do not charge an origination fee for our loans. Typically, our rates are lower and we may be able to extend credit to members who may be turned down by conventional banks. We try to work with you to make repayment easier, such as weekly payments instead of one large monthly payment.


Consumer Loans

  • Automobile Loans
  • Recreational Vehicle Loans
  • Home Improvement Loans
  • Overdraft Protection
  • Debt Consolidation
  • Savings/Certificate Secured Loans
  • Motorcycle Loans
  • Personal Loans
  • ATV & Watercraft Loans
  • Stock Trailer Loans
  • Miscellaneous Items
  • Electronic Equipment Loans
  • Personal / Signature Loans
  • ATV and Watercraft Loans
  • Fresh Start Auto Loans
  • Micro Commercial Loans
  • Farm Equipment Loans


Visa Credit Cards

  • Platinum, Gold, and Classic Cards available
  • Rates starting as low as 6.90% APR*
  • Balance Transfer rate of 4.90% APR* for six months


Gap Protection

Auto Insurance might not be enough if your vehicle is stolen, accidentally damaged beyond repair or otherwise declared an insured total loss. Your auto insurance may cover the replacement value but you remain liable for the payment of the difference between the insurance settlement and your loan balance. GAP covers the deficiency.

For just a few dollars a month, you can protect yourself against this kind of unexpected expense. The benefits may include:

  • Protection for the term of your loan up to 84 months.
  • Coverage for vehicles valued up to $100,000 at time of purchase.
  • Benefits for new or used vehicles, including cars, light trucks, motorcycles, and some other motorized vehicles.
  • GAP Plus protection includes $1,000.00 down payment credit towards a replacement vehicle when financed with us.