Personal Loans · New Mexico
37 credit unions in New Mexico report personal loan rates to the NCUA. Rates range from 7.00% to 23.69%.
Updated Q1 2026 · NCUA Call Report data
37
CUs Reporting Rates
7.00%
Lowest Rate
13.78%
State Average Rate
25
Cities Covered
37 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | CUBA CUBA | 7.00% | — |
| 2 | WHITE SANDS LAS CRUCES | 8.50% | — |
| 3 | EVERYONE'S Tucumcari | 8.55% | 12.26% |
| 4 | SUNWARD Albuquerque | 10.50% | 15.25% |
| 5 | ARTESIA Artesia | 10.73% | 9.90% |
| 6 | U.S. EAGLE Albuquerque | 10.90% | 18.00% |
| 7 | CHAVES COUNTY SCHOOL EMPLOYEES Roswell | 10.94% | — |
| 8 | OTERO Alamogordo | 10.99% | 13.96% |
| 9 | NORTHERN NEW MEXICO SCHOOL EMPLOYEE SANTA FE | 11.60% | — |
| 10 | RIO GRANDE Albuquerque | 11.72% | 15.16% |
| 11 | SANDIA AREA Albuquerque | 11.97% | 12.52% |
| 12 | QUAY SCHOOLS Tucumcari | 12.08% | — |
| 13 | THE FLORIST ROSWELL | 12.20% | 12.95% |
| 14 | KIRTLAND ALBUQUERQUE | 12.43% | 10.78% |
| 15 | GUADALUPE Santa Fe | 12.49% | 13.92% |
| 16 | RAILROAD EMPLOYEES Belen | 13.00% | — |
| 17 | INTERNATIONALITES CARLSBAD | 13.00% | — |
| 18 | NUSENDA ALBUQUERQUE | 13.21% | 12.50% |
| 19 | CANNON CLOVIS | 13.30% | 10.61% |
| 20 | U-1ST COMMUNITY CARLSBAD | 13.46% | 9.90% |
| 21 | STATE EMPLOYEES Santa Fe | 13.50% | 12.50% |
| 22 | LOS ALAMOS SCHOOLS Los Alamos | 13.99% | 10.00% |
| 23 | RINCONES PRESBYTERIAN CHACON | 14.00% | — |
| 24 | DEMING SCHOOLS EMPLOYEES DEMING | 14.06% | — |
| 25 | ROSWELL COMMUNITY Roswell | 14.65% | 13.90% |
| 26 | EDDY Carlsbad | 14.92% | 10.40% |
| 27 | HIGH DESERT COMMUNITY Aztec | 15.00% | — |
| 28 | QUESTA Questa | 15.99% | — |
| 29 | ZIA Los Alamos | 16.25% | 10.18% |
| 30 | ESTACADO HOBBS | 16.49% | 12.25% |
| 31 | FINANCIAL SECURITY CARLSBAD | 16.88% | 14.60% |
| 32 | JEMEZ VALLEY JEMEZ SPRINGS | 17.15% | — |
| 33 | DEL NORTE Los Alamos | 17.99% | 13.49% |
| 34 | MT TAYLOR MILAN | 18.00% | — |
| 35 | LOCO ALAMOGORDO | 18.75% | 13.90% |
| 36 | FIRST FINANCIAL Albuquerque | 19.99% | 12.90% |
| 37 | FOUR CORNERS Kirtland | 23.69% | — |
Personal loans from credit unions are commonly used for debt consolidation, home improvements, medical bills, or major purchases. Unlike auto loans, they're unsecured — no collateral required — which is why rates are slightly higher than car loans.
Yes. If you have credit card balances at 20–25% APR, replacing them with a credit union personal loan at a lower rate can save hundreds or thousands in interest. The key is to not run up the cards again after paying them off.
These rates come from NCUA Call Report (5300) filings — quarterly financial reports that all federally insured credit unions must submit. They reflect each CU's weighted-average rate on outstanding unsecured personal loans, not a minimum advertised rate.
A $10,000 balance at 24% APR paying $250/month costs ~$2,800 in interest. At 12% APR, the same payment saves over $1,500. Run the numbers before committing.
Many credit unions offer loans secured by your own savings at very low rates — useful for building or rebuilding credit history. Ask specifically if you're in credit-building mode.
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