Mountain Star Credit Union210 E Idaho Ave, Las Cruces, NM

Las Cruces, NM
(915) 544-2215
NCUA Insured

About Mountain Star

This branch of Mountain Star is located at 210 E Idaho Ave in Las Cruces, New Mexico, and can be reached at (915) 544-2215. Mountain Star is a Minority Depository Institution (MDI) and federally insured financial cooperative serving the Las Cruces, New Mexico community. Established to provide a secure alternative to big banks, they focus on member service rather than profits. If you are comparing options, you can also browse other credit unions in Las Cruces or review your personal loan options.

Not-for-Profit

Profits are returned to members via better rates & lower fees.

Community Focus

Local decision making and support for the Las Cruces area.

Key Member Benefits

  • Payday Alternative Loans (PALs)

    Borrow small amounts at fair, regulated rates to manage short-term cash needs without getting trapped in debt.

  • Credit Builder Program

    Specialized loans designed to help you establish or rebuild your credit score safely and affordably.

  • Financial Counseling

    Expert guidance on budgeting, debt reduction, and wealth building to help you achieve financial stability.

  • Free Tax Preparation

    No-cost assistance filing your annual tax returns, maximizing your refund ensuring accuracy.

  • Bilingual Services

    Full service available in multiple languages to support our diverse community.

  • Low-Cost Wire Transfers

    Affordable wire transfer services, making it easier to send money domestically or internationally.

  • Free Checking

    No-cost share draft accounts (checking) with no monthly maintenance fees.

Location & Branch Hours

Visit Branch

210 E Idaho Ave

Las Cruces, NM 88005-3279

Need Funds Before You Join?

How to Join

Membership at Mountain Star is typically open to individuals who live, work, worship, or attend school in Las Cruces and surrounding areas.

Standard Requirements:

  • Valid Government ID (Driver's License, Passport)
  • Social Security Number (SSN)
  • Proof of Address (Utility bill, Lease)
  • Small opening deposit (Usually $5 - $25)

We recommend contacting the branch at (915) 544-2215 to confirm your eligibility before visiting.

Membership and underwriting can take time. If you need funds while your application is in progress, you can explore installment loans or, if your credit history is still developing, review loan options for bad credit.

Services and Loan Types

Like most credit unions, Mountain Star typically offers the following services. If you want to weigh these against online options, you can compare debt consolidation loans or, for those rebuilding their score, look at loans for fair credit:

Loans & Credit

  • Personal Loans: Unsecured loans for debt consolidation or emergencies.
  • Auto Loans: Financing for new and used vehicles.
  • Home Loans: Mortgages and Home Equity (HELOC).
  • Credit Cards: Low-rate Visa/Mastercard options.

Banking & Savings

  • Checking Accounts: Often free with no minimum balance.
  • Savings Accounts: Share accounts with dividends.
  • CDs & IRAs: Long-term savings options.
  • Online Banking: Mobile app and remote deposit.

Verified Branch Services

Shared Service Center

Frequently Asked Questions

Is Mountain Star federally insured?

Yes, as a federally chartered or insured credit union, accounts are insured by the **NCUA (National Credit Union Administration)** up to $250,000. This offers the same level of protection as FDIC insurance at traditional banks.

Who can join this credit union?

Field of membership typically includes residents of Las Cruces, employees of specific local companies, or family members of existing members. Contact the branch directly for the most current eligibility list.

Other Mountain Star Locations

1 additional branch in 1 state

Texas

1 location

Credit Unions Near Me in Other New Mexico Cities

Looking for credit unions near me in other New Mexico cities? Browse credit unions in nearby locations:

View all credit unions in New Mexico

If Mountain Star Credit Union isn't the right fit

To borrow from Mountain Star Credit Union you generally need to qualify for membership and meet its lending criteria, and not every applicant is approved. If you don't qualify, need to compare rates, or want to review more options, you can apply online with lenders serving New Mexico. Applying is quick, and funds may be available quickly after approval.

Approval, amount, and terms depend on the lender and your creditworthiness. Loans are not available in all states.