Earn Your Return

What makes banking with Nusenda Credit Union different than typical banking experiences? As a not-for-profit, community-focused organization, we pass our earnings on to you, not only with higher savings rates and lower loan rates but also cash back in your pocket through the Earn Your Return program. The more you participate with us, and the better we perform together, the more you can earn back each year.

In 2015, we returned more than $8,000,000 to our members and communities. You can earn a return, too! Open an account with Nusenda Credit Union today and experience the better way to bank.

To become a member, or inquire about how you can increase your participation in Nusenda Credit Union and maximize your return, call us at 505-889-7755 (800-347-2838 outside the Albuquerque area) or make an appointment at a branch near you.

How it Works

If you qualify for our Earn Your Return program, you’ll receive a dividend on your average yearly loan and deposit balances*. You can earn dividends with just one qualifying product, but if you add more, you’re contributing to our collective success, which means you’ll have more opportunities to earn higher cash dividends.

How much could you earn? Find out using our Earn Your Return Calculator.


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Who Is Eligible for Earn Your Return?

You are eligible to earn cash dividends in our Earn Your Return program if you meet the following criteria:

  • You are age 26 or over and maintain a combined average loan and deposit balance of $5,000*.
  • You are between the ages of 18 and 25 and maintain a combined average loan and deposit balance of $1,000.
  • You are age 17 or under and maintain an average deposit balance of $100.
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While it is the intent of Nusenda Credit Union to pay a Earn Your Return dividend every year, the program is subject to cancellation or change at any time, without notice.  The Earn Your return dividend amount, when paid, is dependent on Nusenda Credit Unions financial performance and is not guaranteed. 
The Earn Your Return 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 dividends.  To receive the 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 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 December 31st.  Minimum dividend amount is $25 for members over 18. Qualifying members 17 and younger will receive a minimum of $10.

It’s the banking of the future, available today.

Nusenda Credit Union. The Power of WE®.



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