Credit union · NCUA insured
Internationalites Federal Credit Union
A $11.4M credit union headquartered in Carlsbad, NM, with 1,058 members and 1 branch in New Mexico. Best rates: CDs 3.04% and savings 0.30% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- CDs—3.04%CD rates →
- Savings730.30%at $10,000Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Internationalites Federal Credit Union
Internationalites Federal Credit Union is a member-owned financial cooperative based in Carlsbad, New Mexico.
- Headquarters
- 901 N Canal St, Carlsbad, NM 88220-5109
- NCUA charter
- 7027
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Mosaic Potash Carlsbad Inc., Intrepid Potash, 4 Elements Oilfield Services LLC, or SIMCO (Salado Isolation Mining Contractors) are eligible for membership.
- Employees of International Minerals Carlsbad (IMC), Intrepid Potash, Pro Control Well Services LLC, or SIMCO (Salado Isolation Mining Contractors)/WIPP are eligible for membership.
Military, government and schools
- Employees of the City of Carlsbad are eligible for membership.
Family and household
- Parents, brothers, sisters, sons, daughters, grandparents, grandchildren, step-parents, and step-children of eligible employees or their spouses are eligible for membership.
Cost to join
- Members must purchase six shares at $5.00 each ($30.00 total) and maintain a $30.00 share balance, which is refundable upon termination if the account remains open in good standing for at least 90 days.
Branches
1 branch in New Mexico
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New Mexico
1 branch
- Internationalites FCUMain office901 N Canal St, Carlsbad, NM 88220Directions
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 | 17.21% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.20% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.41% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $88 | $59 | — |
- CapitalNet worth ratio17.21%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.20%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.41%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$88Peers’ 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 Internationalites Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.