Routing Number (ABA): 307083665
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Earn Your Return

Imagine banking that puts you first. That gives back to you. That looks for ways to reward their members. At Nusenda we're more interested in your financial well-being than in our profits.

Earn Your Return is just one of the ways we are working to put you first. We pass our earnings on to you — not only with higher savings rates and lower loan rates but also cash back in your pocket. The more you participate with us, and the better we perform together, the more you can earn back each year.

We are pleased to share Earn Your Return bonus dividends with you in a year of unexpected challenges. Throughout 2020, we responded to the needs of our members and our communities, providing immediate relief to members by implementing skip-a-pay options, payment deferrals, and fee reductions/eliminations. Your Credit Union also focused on essential financial assistance and support to communities throughout New Mexico through emergency grants to organizations helping our most vulnerable neighbors. This is The Power of WE® in action!

Earn Your Return is just one part of Nusenda’s give-back philosophy.


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How to Earn Your Return

You receive Earn Your Return bonus dividends based on your usage of qualifying products like checking accounts, mortgages, car loans, or credit cards. Learn how it works.

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Increase Your Return

You can earn bonus dividends with just a checking account, but if you grow your relationship with us, you’re contributing to our collective success. Learn how you can increase your dividend.

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Earn Your Return Giveback

Nusenda has distributed Earn Your Return bonus dividends for eight years straight to members in good standing as a thank you for their membership. See a dividend payment history.


Want to Earn More?

We’re here for you. Learn how you can earn dividends; and how to receive straightforward, objective advice and services to manage your finances, so you can take care of the things that matter most — both now and in the future. Schedule a phone appointment with a trusted Nusenda Financial Consultant today.

While it is the intent of Nusenda Credit Union to pay an Earn Your Return bonus dividend every year, the program is subject to cancellation or change at any time, without notice. The Earn Your Return bonus dividend amount, when paid, is dependent on Nusenda Credit Union's financial performance and is not guaranteed. The Earn Your Return bonus dividends are based on annual average monthly qualifying loan and deposit balances. IRG Investment Accounts and Student Loans are not eligible for Earn Your Return bonus dividends. To receive the bonus dividend, you must meet all eligibility criteria (minimum average relationship based upon age*, as well as a $100 average deposit account balance) and be a member in good standing on the deposit date in January. When paid, the Earn Your Return bonus dividends will be deposited into qualifying members' savings accounts in January. Maximum amount paid to any one member will be $2,000.

* The age criterion is determined by a person's age as of Dec. 31. Minimum dividend amount is $25 for members over 18. Qualifying members 17 and younger will receive a minimum of $10.