Product Comparison
As a resource for all of your financial decisions, we provide you with the following Product Comparison charts. They can help you in your research, showing your credit union’s rates as compared to other financial institutions. Choose comparisons from Auto Loans to Savings Certificates by clicking on a product link.
Credit Cards
Updated 9/12/2017
| Financial Institution |
Purchase APR |
Cash Advance Fee |
Annual Fee |
Grace Period |
Late Payment Fee |
| Bank of Albuquerque |
10.99% - 21.99% |
4%/$10 min. |
None |
24-30 days |
Up to $38 |
| Bank of America |
12.99% - 22.99% |
3%/$10 min. |
None |
25 days |
Up to $38 |
| Bank of the West |
15.99% - 23.99% |
4%/$10 min. |
None |
25 days |
Up to $35 |
| Compass Bank |
12.24% - 30.24% |
4%/$10 min. |
None |
25 days |
Up to $37 |
| Wells Fargo Bank |
16.15% - 25.99% |
5%/$10 min. |
None |
25 days |
Up to $37 |
| Nusenda
Credit Union |
10.00% - 14.00% |
1%/$2 min. |
None |
21 days |
$25 |
Home Equity Loan
Updated 9/12/2017
| Based on a $20,000 fixed loan, 10-year note. |
| Financial Institution |
Up to 80% LTV |
Annual Percentage Rate |
Up to 90% LTV |
Annual Percentage Rate |
| Bank of Albuquerque |
80% LTV |
5.50% |
90% LTV |
5.50% |
| Bank of America |
80% LTV |
N/A |
90% LTV |
N/A |
| Bank of the West |
80% LTV |
N/A |
90% LTV |
N/A |
| Compass Bank |
80% LTV |
8.64% |
90% LTV |
8.64% |
| Wells Fargo Bank |
80% LTV |
N/A |
90% LTV |
N/A |
| Nusenda Credit Union |
70% LTV |
5.25% |
90% LTV |
5.87% |
Savings Certificates
Updated 9/12/2017
| Based on a $10,000 investment in a 24-month certificate of deposit |
| Financial Institution |
Annual Percentage Yield |
| Bank of Albuquerque |
0.55% |
| Bank of America |
0.10% |
| Bank of the West |
0.45% |
| Compass Bank |
0.30% |
| Wells Fargo Bank |
0.15% |
| Nusenda Credit Union |
0.55% |
Auto Loans
Updated 9/12/2017
| Based on a 48-month loan for a new vehicle |
| Financial Institution |
Rates starting at: |
| Bank of Albuquerque |
3.49% |
| Bank of America |
2.84% |
| Bank of the West |
3.25% |
| Compass Bank |
4.14% |
| Wells Fargo Bank |
3.24% |
| Nusenda Credit Union |
2.89% |
Checking
Updated 9/12/2017
| Financial Institution |
Minimum to Open |
Overdraft Fee |
Stop Payment Fee |
Online Bill Payer |
Monthly Service Fee |
| Bank of Albuquerque |
$50 |
$34.50 |
$34.50 |
Free |
$7.95 |
| Bank of America |
$25 |
$35 |
$30 |
Free |
$12 |
| Bank of the West |
Any Amount |
$35 |
$35 |
Fees apply |
$10 |
| Compass Bank |
$25 |
$38 |
$25 - $32 |
Free |
Free |
| Wells Fargo Bank |
$25 |
$35 |
$31 |
Free |
$10 |
| Nusenda Credit Union |
$25 |
$21-$35 |
$25 |
Free |
$5 |