Posts Tagged ‘finances’
Understanding your debt-to-income ratio
Have you ever applied for a loan and been told that your debt-to-income ratio was too high? You may have wondered what that meant. Your debt-to-income ratio is the portion of your income that goes to debt payment, and it is a key component of creditworthiness. Lenders consider debt-to-income ratio along with credit score when…Read More
Boost your savings with certificate laddering
Even though share certificates (a.k.a known as certificates of deposit or CDs)) won’t get you the highest return on your dollar, they are pretty much guaranteed not to lose you money. That’s because share certificates are federally insured up to $250,000 per account holder by either the National Credit Union Administration (NCUA) or the Federal…Read More
Mortgage loans for beginners
Buying a home is a complicated process, and so is obtaining a loan to assist with the purchase. If you are new to the mortgage loan process, read on to understand how it all works. A mortgage loan is simply a loan to purchase your home. They are useful because most people don’t have the…Read More
Don’t fall for these common money myths
Even the most battle-tested budget warrior might be making money decisions based on bad information, according to results of a recent survey. Charles Schwab interviewed 998 people to discover their biggest financial misconceptions. A large number of them believed common money myths. In fact, those who described themselves as “savvy” actually were more likely to…Read More
Financial Literacy Quiz
How financially literate are you? Do you have the skills and knowledge to spend money wisely, save for emergencies, use credit cards sensibly, and protect your identity from being stolen? This short financial literacy quiz will help you test your financial literacy to see where you need to focus to improve your financial future. A…Read More
(575) 647-4500 or
Hours of Operation:
Monday thru Friday, 8 am-5 pm
P.O. Box 99
Las Cruces, NM 88004
Routing & Transit # 312276470
Federally Insured by NCUA
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency.
Equal Housing Lender
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
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