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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 LOCO Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 27, 2026
LOCO Credit Union's Jumbo CD 12 month rates are at 2.63%, CD of Deposit to $99,999.99 12 month rates are at 2.52%, Jumbo CD 6 month rates are at 2.38%, Jumbo CD 18 month rates are at 2.37%, Jumbo CD 24 month rates are at 2.37%. LOCO Credit Union's savings rates are at 0.25%. MonitorBankRates evaluates the financial stability of LOCO Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.76%. Rates were last updated on 03/27/2026. LOCO Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at LOCO Credit Union? Share your experience about LOCO Credit Union by leaving a review below, or read customer reviews before you decide to use LOCO Credit Union. LOCO Credit Union
LOCO Credit Union 808 Washington Ave
https://www.lococreditunion.com Alamogordo, NM 88310 5166 
LOCO Credit Union CD Rates
LOCO Credit Union Savings Rates
LOCO Credit Union Checking Rates
LOCO Credit Union Mortgage Rates
LOCO Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for LOCO Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather LOCO Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with LOCO Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
LOCO Credit Union
Website
https://www.lococreditunion.com
Address
808 Washington Ave,
Alamogordo, NM 88310 5166
Phone
575-437-3110
Fax
575-437-5646
President
Gerald Wheeler
CEO
Deanna Schlensig
Full-Time Employees
14
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.76%
Return on Assets (ROA)
-0.3589%
Return on Equity (ROE)
-2.8295%
Non-Performing Loans Ratio (NPL)
0.86%
Total Assets
66,175,612
Total Amount of Shares and Deposits
57,331,719
Total Shares and Deposits < 1 Year
53,636,637
Total Shares and Deposits 1 3 Years
2,854,755
Total Shares and Deposits > 3 Years
840,326
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,167,718
Total Uninsured Shares and Deposits > $250K (F+J)
4,167,718
Total Insured Shares and Deposits > $250K (item 17 less item K)
53,164,001
Total Interest Expense (Sum of items 6 8)
616,776
Share Certificates
473
Number of Accounts for Share Drafts
1,619
IRA KEOGH Accounts
70
Number of Accounts for Regular Shares
7,099
Net Income (unless the amount is already included in Undivided Earnings)
-237,526
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
5,941,734
Total Liabilities
58,039,976
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About LOCO Credit UnionIs LOCO Credit Union a safe place to deposit money?Yes, LOCO Credit Union is considered a safe financial institution. With a Texas Ratio of 2.7552560896711%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does LOCO Credit Union operate?LOCO Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join LOCO Credit Union?Yes, to access services at LOCO Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, LOCO Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, LOCO Credit Union provides members with tools to manage their accounts and build a solid financial history. Does LOCO Credit Union offer online and mobile banking?Most modern institutions like LOCO Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.lococreditunion.com. Current LOCO Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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