Credit union · NCUA insured
LOCO Credit Union Savings Rates
LOCO Credit Union’s best savings rate is 0.30% APY on $10,000, with its Regular Share Savings. Rates checked October 22, 2026.
How LOCO Credit Union’s savings rates compare
Compared with banks and credit unions near Alamogordo, NM, where LOCO Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
LOCO Credit Union
0.30%APY
- Minimum
- $25
- Earns on $10,000 a year
- $30
Regular Share Savings
Top rate
WaFd Bank
3.82%APY
- Minimum
- $0
- Earns on $10,000 a year
- $382
2nd-highest rate
First National Bank Texas
2.00%APY
- Minimum
- $0
- Earns on $10,000 a year
- $200
LOCO Credit Union savings score
74
Savings score
Higher than 35% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.35%
- QualifiedQualified0.30%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where LOCO Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Regular Share Savings
0.30%APY
Dividends are calculated on a balance of $100.00 daily and paid monthly. ATM Card available.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $9,999Dividends calculated on a daily balance of $100.00 and paid monthly. | 0.25% | — | Dividends calculated on a daily balance of $100.00 and paid monthly. |
| $10,000 – $24,999Dividends calculated on a daily balance of $100.00 and paid monthly. | 0.30% | $30 | Dividends calculated on a daily balance of $100.00 and paid monthly. |
| $25,000 and upDividends calculated on a daily balance of $100.00 and paid monthly. | 0.35% | — | Dividends calculated on a daily balance of $100.00 and paid monthly. |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
Christmas Club
0.30%APY
Savings program to assist you with the holidays. Dividends are calculated on a balance of $100.00 daily and paid monthly. Early withdrawal fee of $10.00 (Funds withdrawn prior to distribution of Christmas funds during November).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $9,999Dividends calculated on a daily balance of $100.00 and paid monthly. Early withdrawal fee of $10.00 if withdrawn prior to November distribution. | 0.25% | — | Dividends calculated on a daily balance of $100.00 and paid monthly. Early withdrawal fee of $10.00 if withdrawn prior to November distribution. |
| $10,000 – $24,999Dividends calculated on a daily balance of $100.00 and paid monthly. Early withdrawal fee of $10.00 if withdrawn prior to November distribution. | 0.30% | $30 | Dividends calculated on a daily balance of $100.00 and paid monthly. Early withdrawal fee of $10.00 if withdrawn prior to November distribution. |
| $25,000 and upDividends calculated on a daily balance of $100.00 and paid monthly. Early withdrawal fee of $10.00 if withdrawn prior to November distribution. | 0.35% | — | Dividends calculated on a daily balance of $100.00 and paid monthly. Early withdrawal fee of $10.00 if withdrawn prior to November distribution. |
Sources (2)
All captured Sep 16, 2026
Vacation/Travel Clubs
0.30%APY
Planning for a special trip? Start saving now and be ready for that special occasion. Dividends are calculated on a balance of $100.00 daily and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $9,999Dividends calculated on a daily balance of $100.00 and paid monthly. | 0.25% | — | Dividends calculated on a daily balance of $100.00 and paid monthly. |
| $10,000 – $24,999Dividends calculated on a daily balance of $100.00 and paid monthly. | 0.30% | $30 | Dividends calculated on a daily balance of $100.00 and paid monthly. |
| $25,000 and upDividends calculated on a daily balance of $100.00 and paid monthly. | 0.35% | — | Dividends calculated on a daily balance of $100.00 and paid monthly. |
Sources (2)
All captured Sep 16, 2026
Who can join LOCO Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to residents of Otero County.
Employers and groups
- Membership is open to employees of LOCO Credit Union.
Military, government and schools
- Membership is open to active Board of Regents, School Board members, and School employees in Lincoln, Catron, Socorro, Torrance, Guadalupe, DeBaca, Hidalgo, Union, and Harding Counties.
- Membership is open to Loving School Employees in the State of New Mexico.
Family and household
- Membership is open to immediate family members (defined as any relative by blood or marriage, or foster and adopted children) of qualifying individuals.
Membership information collected October 4, 2026.