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When is a Credit Union Not Like a Bank? on 6/26/2018

Similarities and Differences Create Better Options

A credit union – especially one as well established as SLFCU – offers the same products and services as banks, but because members are our first priority, we focus on service and financial education, better rates, and lower fees.


If you’re concerned that belonging to a credit union instead of a big bank means you’ll have trouble accessing your cash, don’t worry. Most credit unions, including SLFCU, belong to a nationwide network of about 28,000 surcharge-free ATMs. Use our online locator locator and mobile app to find the ATM closest to you.


Although SLFCU offers a variety of savings and checking options, we can also help finance your home. All of our mortgages are serviced by our staff – from application and processing to closing the loan and beyond. When you make a payment or have questions, you'll talk to the professional, friendly staff at SLFCU. We offer fixed rate and adjustable rate mortgages, jumbo loans, construction loans, and more. Plus, our loan officers aren’t paid on commission; their job is to help you find the mortgage that best fits your needs.

SLFCU has credit cards and auto loans designed to meet your financial lifestyle. We offer a low rate card, a rebate card, and an exclusive card with a higher credit limit, higher rebate, and premium benefits. We offer longer auto loan terms than many other lenders, providing more flexibility for lower monthly payments.   

The MEMBERS Financial Services Program* located at SLFCU provides investment and retirement services such as retirement planning and trust and estate conservation, and products like IRAs, stocks, bonds, mutual funds, and annuities. For a no-cost, no-obligation appointment with a financial advisor, call 505.237.3930 or 800.947.5328 x3930.

SLFCU Business accounts make a difference in our local economies. By servicing loans in New Mexico, SLFCU can make loan decisions faster. This helps keep small businesses running, creates jobs, and sustains growth. The business product line includes real estate loans, credit lines, credit and debit cards, and cash management services.


We love to see you in our branches, but we also understand that your financial needs have to be met wherever you are. You can use online or mobile banking to pay bills, transfer funds, view balances and statements, contact a representative, and more.

We also offer other convenient ways to manage your money. Download our mobile app to deposit checks with your smartphone, use your SLFCU debit or credit card with mobile wallets like Apple Pay®, and better protect your cards from unauthorized use with our card control apps.


You can feel good about belonging to SLFCU.

Credit unions are not-for-profit, member-owned financial cooperatives that exist solely to serve our members. Unlike a bank, we are governed by our members. The credit union membership elects a Board of Directors to represent it in policy-making decisions.

Credit unions can usually offer better rates and lower fees because we do not focus on making profits and paying stockholders. Instead, we can use earnings to lower loan rates, raise savings rates, and reduce fees.

All credit unions share a similar philosophy: people helping people. We pride ourselves on helping and serving our members not just as a financial institution, but through financial education and community and charitable causes.

For more information about our products or services, call 505.293.0500 or 800.947.5328.

*Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc., is a registered broker/dealer in all 50 states of the United States of America. FR-1796248.1-0517-0619

Apple Pay is a registered trademark of Apple Inc.

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