Earn Your Return Details

What makes banking with Nusenda Credit Union different than your typical 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 Earn Your Return. The more you participate with us, and the better we perform together, the more you can earn back each year. 

 

Our approach is to do well, so we can do good – by putting money back into your pocket and making a real impact in your community.  

Want to Earn More

Schedule an appointment with a Financial Consultant to learn how you can earn a return! Call 505-889-7755 (800-347-2838 outside the Albuquerque area), or visit your favorite branch for more information.



How it Works

If you qualify for Earn Your Return, you’ll receive a bonus 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. 

Earn Your Return Example


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

  • You are 26 years old or older 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 17 years old or younger and maintain an average deposit balance of $100.

Want to Earn More

Schedule an appointment with a Financial Consultant to learn how you can earn a return! Call 505-889-7755 (800-347-2838 outside the Albuquerque area), or visit your favorite branch for more information.



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 Union's 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 Dec. 31. Minimum dividend amount is $25 for members over 18. Qualifying members 17 and younger will receive a minimum of $10.

Calculate Your Return

You can earn dividends with just one qualifying product, such as a checking account, a mortgage, a car loan or a credit card; but if you grow your financial relationships with us, you’re contributing to our collective success – which means you’ll have more opportunities to earn higher cash dividends. 


See how much you can earn. Enter your information in the calculator to see what your earning potential could be today.*


Deposit Balances

What is your age?

Savings / Money Market

Checking Account

Certificates

IRA Certificate

Loan Balances

Mortgage

Auto Loan

Credit Cards

Home-equity Loan

Other Loans

Your Total Return:

Want to Earn More

Schedule an appointment with a Financial Consultant to learn how you can earn a return! Call 505-889-7755 (800-347-2838 outside the Albuquerque area), or visit your favorite branch for more information.



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 Union's 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 Dec. 31. Minimum dividend amount is $25 for members over 18. Qualifying members 17 and younger will receive a minimum of $10.

Money back in your pocket.

Rewarding those we serve.

Nusenda Credit Union. The Power of WE®.



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