Personal Dividend Checking Accounts

At Nusenda Credit Union, our personal checking accounts come with great rewards. Feel good about banking again with our Dividend Checking account, which pays you in the form of earned interest. Maintain a high balance and the rewards get even better. If your average relationship balance stays above $2,500 (all accounts and loans with your credit union), we waive the $5 monthly maintenance fee.

Plus, you get great benefits, like out-of-network ATM fee refunds and free gift cards.  And, when you participate with Nusenda Credit Union, you’re part of a credit union that invests in communities across New Mexico. It’s a different approach to personal banking services. Open an account today!

Call us at 505-889-7755 (800-347-2838 outside the Albuquerque area) or make an appointment at a branch near you.

Dividend Checking Account Benefits

  • 200 surcharge-free ATMs in New Mexico, and nearly 30,000 across the U.S.
  • Up to 10 ATM fee refunds monthly, deposited on the first business day of each month
  • No-fee Member to Member and Funds Transfer services
  • One free check order per year
  • Online financial management tool, Money Manager

You can use any of your Nusenda Credit Union Visa debit and credit cards with Apple Pay™!

Product Comparison

Compare the checking account options below and find out more about all the benefits that Nusenda Credit Union offers you. Then open a Dividend Nusenda Credit Union checking account, and start earning your rewards today!

Product Comparison >> Checking

Financial Institution Monthly Maintenance Fee* Maintenance Fee Waived Opening Balance Rate/APY Fee-free ATMs
Nusenda Credit Union $5.00 $2,500 average relationship balance $25 Up to 0.25% More than 200 in NM; nearly 30,000 nationwide
Wells Fargo
Preferred Package
$13.00 $10,000 combined deposit balance and online statements, OR a linked mortgage $50 checking, $25 savings Up to 0.01% More than 80 in NM
Bank of America
Interest Checking
$25.00 $10,000 average relationship balance, OR Preferred Rewards program $250 Up to 0.03% More than 80 in NM
Bank of Albuquerque
Advantage Checking
$15.00 $10,000 average relationship balance $50 Up to 0.01% More than 60 in NM
Bank of the West
Signature Checking
$30 $15,000 average monthly balance OR $25,000 total average monthly balance in linked accounts $100 Up to 0.04% More than 20 in NM

* Fees may vary, and additional fees may apply. Fees as of July 2015.


You’ve come to the right place to get the information you need to manage day-to-day checking situations.  

The ABA Routing Number for Nusenda Credit Union is 307083665

Big bank services, small town attitude.

Nusenda Credit Union. The Power of WE®.

Learn more

Federally Insured By NCUA

Access your account when you are away from home, thanks to the Credit Union Shared Branching Network or CO-OP network of nearly 30,000 ATMs

Easy online access to your account through online banking and the Mobile App