Applying for a Loan | Auto | Credit Card | Recreational | Personal | Line of Credit | Overdraft
Mortgage | Home Equity

LOANS

NM Energy Federal Credit Union is an equal opportunity lender and as such will accept and process all member applications received without regard to applicant's sex, marital status, race, color, religion, national origin or age (providing applicant is at least 18 years of age and can enter into a legal contract). Applicants must be a Credit Union Member in good standing and have a minimum balance of $25.00 in a savings account. Your Credit Union has available all types of secured and unsecured loans at competitive rates and we try to offer the best deal in the market with NO prepayment penalties.

Remember not only for your credit standing, but to prevent identity theft you should review your credit report on a regular basis. Pay your bills on time, correct mistakes immediately and keep within credit limits.

APPLYING FOR A LOAN – Click or Call <top>

Apply for your auto loan, personal loan or credit line any time, day or night, either online or on the phone. Print your NMEnergy VISA or MasterCard credit card application, and fax to 505-845-4855 or mail to us. That’s three easy ways to apply:

• Print out our credit card application
• Use our secure, online NMEnergy@Home loan application process.

No matter which way you choose, we'll contact you by phone or email the following business day to arrange for funding, and you never have to make a special trip to the Credit Union.
Please note that all loans are subject to credit approval. Approved credit cards arrive by mail in about two weeks. Home Equity funding is subject to loan requirements including property appraisal.

Mortgage applications are not available through online applications at this time. To apply for a mortgage please call (505) 845-4608 or (800) 837-6065 during office operating hours.

 

NEW and USED VEHICLE LOANS <top>

Auto Buying Resources

Car loans at NM Energy FCU are always a good deal with low fixed rates, 100% financing, and flexible terms to fit your budget on new and used cars and trucks.

New vehicle terms up to 72 months Used vehicle terms up to 60 months

Low fixed rates

• No Annual Fee
• No Cash Advance Fee
• No Balance Transfer Fee
• Same low rate for cash advances
• Travel Accident Insurance
• 25-day grace period on retail purchases
• Online access 24 hours a day www.nmenergyfcu.org
• Call center access 24 hours a day 1-800-654-7728

Lost or Stolen Card Information:
1-800-449-7728

Customer Service:
1-800-654-7728

BOATS/RVS/MOTORCYCLES <top>

• New boats with terms of up to 144 months
• Used boats with terms up to 144 months
• Recreational vehicles with terms of up to 144 months
• New and used motorcycles with terms up to 60 months

PERSONAL LOANS <top>

NM Energy Federal Credit Union offers several personal loans, including a revolving line of credit at reasonable rates. These loans can be used for a variety of purposes for terms up to 60 months.

EZ MONEY LINE OF CREDIT <top>

We offer a revolving unsecured personal line of credit loan up to $20,000 that can be used for unexpected expenses. Payment is set according to outstanding balance at the time of each advance and will remain in effect until the balance is paid in full or the member takes another advance. Once you have a Line of Credit established, a simple call through SmartLine or visiting the office, is all it takes to have funds advanced to your Share Draft/Checking Account.

EZ MONEY OVERDRAFT PROTECTION <top>

Our EZ Money Line of Credit can provide overdraft protection for your NM ENERGY FCU checking account. You can transfer funds to your checking or savings account 24 hours a day using SmartLine (link to SmartLine PDF) and through NMEnergy@Home. And best of all, pay interest only for the number of days you use the money.

MORTGAGE LOANS <top>

First Mortgage Loans are available through your credit union. We offer products for both owner occupied and non-owner occupied properties with a variety of competitive rates and terms. See our current rates or Call the Credit Union at 505-845-4608 or 1-800-825-5256.

HOME EQUITY LOANS <top>

Home Equity Loan Or Home Equity Line Of Credit lets you make use of the value in your home to do the things you want to do. We have fixed rate loans and variable rate lines of credit loans with terms up to 180 months. Repayment term on non-owner occupied property cannot exceed 144 months. Rates are determined by the repayment term. Property must be located in New Mexico. Put your home to work for you today. See our current rates or Call the Credit Union at 505-845-4608 or 1-800-825-5256.