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 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.

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


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.

*The age criterion is determined by a person’s age as of December 31, 2016. The 2016 Earn Your Return will be deposited into eligible members’ savings accounts in January 2017. Qualifying members will receive their dividend based on all 2016 average monthly qualifying loan and deposit balances, with a minimum amount paid of $25 for members over 18. Qualifying members 17 and younger will receive a minimum of $10. Maximum amount paid to any one member will be $2,000. 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 2017. IRG Investment Accounts and Student Loans are not eligible for Earn Your Return. Terms subject to change.

While it is the intent of Nusenda Credit Union’s Board of Directors to pay Earn Your Return every year, it is not guaranteed and the amount of the dividend will depend on financial performance.

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

Nusenda Credit Union. The Power of WE®.

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