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 11/9/2016

Financial Institution Purchase APR Cash Advance Fee Annual Fee Grace Period Late Payment Fee
Bank of Albuquerque 10.24%-21.24% 4%/$10 min. None 24-30 days Up to $37
Bank of America 11.24%-21.24% 3%/$10 min. None 25 days Up to $37
Bank of the West 17.24%-19.24% 4%/$10 min. None 25 days Up to $35
Compass Bank 9.49%-23.49% 4%/$10 min. None 25 days Up to $37
Wells Fargo Bank 15.40%-25.24% 5%/$10 min. None 25 days Up to $37
Nusenda Credit Union 9.25% - 13.25% 1%/$2 min. None 21 days $25

Home Equity Loan Updated 11/9/2016

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 5.25% 90% LTV 6.80%
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 8.89% 90% LTV 8.89%
Wells Fargo Bank 80% LTV N/A 90% LTV N/A
Nusenda Credit Union 70% LTV 5.00% 90% LTV 5.50%

Savings Certificates Updated 11/9/016

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 1.06%
Compass Bank 0.30%
Wells Fargo Bank 0.15%
Nusenda Credit Union 0.50%

Auto Loans Updated 11/9/2016

Based on a 48-month loan for a new vehicle
Financial Institution Rates starting at:
Bank of Albuquerque 2.74%
Bank of America 2.39%
Bank of the West 4.74%
Compass Bank 4.39%
Wells Fargo Bank 2.49%
Nusenda Credit Union 2.49%

Checking Updated 11/9/2016

Financial Institution Minimum to Open Overdraft Fee Stop Payment Fee Online Bill Payer Monthly Service Fee
Bank of Albuquerque $50 $34.50 $34.50 Up to 25 uses free per month; then 40 cents per use $7.95
Bank of America $25 $35 $30 Free $12
Bank of the West $100 $31-$35 $35 Fees apply $10
Compass Bank $25 $38 $25 - $32 Free Free
Wells Fargo Bank $50 $35 $31 Free $10
Nusenda Credit Union $25 $21-$35 $25 Free $5
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