Earn Your Return Details

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.

That’s just the beginning of our give-back philosophy.

Want to Earn More?

Schedule an appointment with a Financial Consultant to learn how you can earn a return! Call 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.

You are eligible to earn cash dividends through Earn Your Return 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 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.

Want to Earn More

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.


Want to Earn More?

Schedule an appointment with a Financial Consultant to learn how you can earn a return! Call 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.

Rewarding those we serve.

Nusenda Credit Union. The Power of WE®.



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