Credit union · NCUA insured
High Desert Community Credit Union
A $18.2M credit union headquartered in Aztec, NM, with 1,894 members and 1 branch in New Mexico. Best rates: CDs 3.82% and savings 0.35% APY.
High Desert Community Credit Union Carrot Score
71
Carrot Score
Higher than 29% of U.S. banks and credit unions
#7 of 10 in Farmington, NM metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About High Desert Community Credit Union
High Desert Community Credit Union is headquartered in Aztec, New Mexico, serving the Four Corners region.
- Headquarters
- 321 S Main Ave, Aztec, NM 87410-2124
- NCUA charter
- 66185
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members and employees of the Aztec Chamber of Commerce are eligible for membership.
- Employees of Kelly A. Eaves-Webb Farmers Insurance Agency are eligible for membership.
- Employees of HDCCU and their immediate family members are eligible for membership.
- Members of the Aztec Kiwanis Club are eligible for membership.
- Members of the Aztec Lions Club are eligible for membership.
- Members, volunteers, staff, and directors of the Aztec Museum (spelled 'Aztec Museaum' on website) are eligible for membership.
5 more ways to join
Employers and groups
- Employees, board volunteers, and members of the Southside Domestic Water Association are eligible for membership.
Military, government and schools
- Employees, retirees, and elected officials of the City of Aztec and City of Bloomfield are eligible for membership.
- Current employees, retirees, and elected officials of San Juan County are eligible for membership.
- Employees, retirees, and contracted employees of Aztec and Bloomfield Schools are eligible for membership.
Family and household
- Immediate family members of existing members are eligible for membership.
Branches
1 branch in New Mexico
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New Mexico
1 branch
- High Desert Community Credit UnionMain office321 S Main Ave, Aztec, NM 87410Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.95% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.95% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.04% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $44 | $59 | — |
- CapitalNet worth ratio12.95%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.95%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.04%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$44Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of High Desert Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.