Zia Credit Union

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A short history of Zia CU

Since its inception in 1955 the Zia Credit Union has been serving its members in the LOS ALAMOS, 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 David Woodruff, the Zia CU has grown its membership to over 13,108 with assets of more than $139,130,856. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (505) 662-4671 or email them at margotc@ziacu.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in LOS ALAMOS, NM.

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

Charter Number 60467
Address P.O. BOX 490 
State New Mexico 
Zip-Code 87544
Phone Number (505) 662-4671
Fax Number (505) 662-5472
Email Address: margotc@ziacu.org
CEO/President David Woodruff
Members 13,108 
Full-Time Employees 50 
Part-Time Employees
Number of Branch Offices
Total Assets 139,130,856 
Website http://www.ziacu.org 

Compare Zia Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Los Alamos Schools CU Del Norte Credit Union 3268 Cerrillos Rd 87544 (505) 988-3628 No 3.73
Del Norte CU Administration 3286 Cerrillos Rd 87544 (505) 455-5228 No 21.98
Jemez Valley CU Jemez Valley 17117 HIGHWAY 4 87025 (575) 829-3366 No 22.05
Guadalupe CU Taos Branch 115 La Posta Rd Ste C 87025 (575) 758-3899 No 22.08
State Employees CU State Employees CU Rio Rancho 7851 Enchanted Hills Blvd NE 87144 (505) 884-0128 No 23.23

Zia Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Zia 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 1.99 2.49 3.74 3.25 4.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 3 83 174 44 100
Rank Among All New Mexico Credit Unions 1 3 7 1 1

Zia Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.04 0.25 N/A 0.59 0.25
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 128 95 N/A 244 266
Rank Among All New Mexico Credit Unions 8 9 N/A 23 23
Zia Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 1.990272226,721
All Other Unsecured Loans/Lines of Credit 11.2503,2779,070,262
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.49060313,109,204
Used Vehicle Loans 3.7401,30213,710,815
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.25040847,926,175
Total Other Real Estate Loans/Lines of Credit 4.0002177,471,000
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 10.5006738,215,325
TOTAL LOANS & LEASES 6,75299,729,502

Zia 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 9415,850,451132,323,118
    b. 15 Years or less 11210,641,264121,381,600
    a. > 15 years 6410,618,521213,487,916
    b. 15 Years or less 1401,27500
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 13710,414,66400
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 311,123,91411,192
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 1866,347,08617644,424
Open-End Fixed Rate 0000
TOTALS 62555,397,175647,838,250


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

Zia Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
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 Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes