Eddy Federal Credit Union

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A short history of Eddy FCU

Since its inception in 1954 the Eddy Federal Credit Union has been serving its members in the CARLSBAD, New Mexico area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Donna Davis, the Eddy FCU has grown its membership to over 5,201 with assets of more than $53,720,099. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (575) 887-1784 or email them at efcu@warpdriveonline.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in CARLSBAD, NM.

General Information For Eddy FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 9566
Address 909 W PIERCE ST 
State New Mexico 
Zip-Code 88220
Phone Number (575) 887-1784
Fax Number (575) 887-5454
Email Address: efcu@warpdriveonline.com
CEO/President Donna Davis
Members 5,201 
Full-Time Employees 16 
Part-Time Employees
Number of Branch Offices
Total Assets 53,720,099 
Website http://www.eddyfederalcu.com 

Compare Eddy Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
U-1st Community CU Main Office 601 N Canal St 88220 (575) 887-1785 No 8.63
Internationalites CU Internationalites FCU 901 N Canal St 88220 (575) 885-4027 No 8.85
Financial Security CU Financial Security CU Main Office 1105 W Pierce St 88220 (575) 887-6030 No 8.98

Eddy Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Eddy Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 10.90 5.35 7.44 N/A N/A
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 332 435 582 N/A N/A
Rank Among All New Mexico Credit Unions 12 31 26 N/A N/A

Eddy Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.15 N/A 0.80 N/A
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 119 N/A 207 N/A
Rank Among All New Mexico Credit Unions N/A 14 N/A 15 N/A
Eddy Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 10.900255568,717
All Other Unsecured Loans/Lines of Credit 8.9505161,799,083
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 5.3502537,185,486
Used Vehicle Loans 7.44082611,705,288
Total 1st Mortgage Real Estate Loans/Lines of Credit 0.00000
Total Other Real Estate Loans/Lines of Credit 0.00000
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 7.3703023,762,140
TOTAL LOANS & LEASES 2,15225,020,714

Eddy Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 0000
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Eddy Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans No
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes