About
Locations & Hours
We Go Where You Go
With three convenient locations, we have a branch for you. But let’s not stop there! ZIA CU is part of the CU Anytime network of 30,000 fee-free ATMs and the Co-op network of 5,000 shared branches. Wherever you go around the country, we’ve got you covered.
Hours
Click the “READ MORE” link to view our locations and hours.
Los Alamos Branch
| Address | Lobby Hours | Drive-Thru Hours |
|---|---|---|
| 1001 Central Avenue Los Alamos, NM 87544 | Mon, Wed, Thu 8:30 a.m. – 5:00 p.m. | Mon, Wed, Thu 8:30 a.m. – 5:00 p.m. |
You can contact our branch by calling (505) 662-4671 |
Tue* 10:00 a.m. – 5:00 p.m. | Tue** 10:00 a.m. – 5:30 p.m. |
| Fri 8:00 a.m. – 6:00 p.m. | Fri 8:00 a.m. – 6:00 p.m. |
Española Branch
| Address | Lobby Hours | Drive-Thru Hours |
|---|---|---|
| 707 Riverside Drive, Espanola, NM 87532 | Mon, Wed, Thu 8:30 a.m. – 5:00 p.m. | Mon, Wed, Thu 8:00 a.m. – 5:30 p.m. |
You can contact our branch by calling (505) 747-3223 |
Tue* 10:00 a.m. – 5:00 p.m. | Tue** 10:00 a.m. – 5:30 p.m. |
| Fri 8:00 a.m. – 6:00 p.m. | Fri 8:00 a.m. – 6:00 p.m. |
Santa Fe Branch
| Address | Lobby Hours | Drive-Thru Hours |
|---|---|---|
| 111 N. St. Francis Drive, Santa Fe, NM 87501 | Mon, Wed, Thu 8:30 a.m. – 5:00 p.m. | Mon, Wed, Thu 8:00 a.m. – 5:30 p.m. |
You can contact our branch by calling (505) 372-4938 |
Tue* 10:00 a.m. – 5:00 p.m. | Tue** 10:00 a.m. – 5:30 p.m. |
| Fri 8:00 a.m. – 6:00 p.m. | Fri 8:00 a.m. – 6:00 p.m. |
Call Center Hours (Effective September 1, 2023):
Mon, Wed, Thu 8:00 AM – 5:30 PM
Tue* 10:00 AM – 5:30 PM
Fri 8:00 AM – 6:00 PM
*Call Center opens at 8:00 a.m. on the first Tuesday of each month.
*All branch lobbies open at 8:30 am on the first Tuesday of each month.
** Española and Santa Fe drive thrus open at 8:00 am and Los Alamos drive thru opens at 8:30 am on the first Tuesday of each month.
What Our Members Say
Aw, Shucks!
We couldn’t think of a higher form of praise than what our members say about Zia CU. After all, they are our owners and the reason the credit union exists.
Testimonials
Click the “READ MORE” link to see what our members have to say.
“As long as I can remember, my parents have banked at ZIA CU, and they’ve been happy with how helpful everyone there is. When it was time for me to get my own accounts and start building credit, ZIA CU was the obvious choice. They haven’t disappointed me. The employees are always willing to assist, and they never mind answering my questions when I need more information.”
— Jordan D., college student and athlete
“I have been a member of ZIA CU for over 20 years, even when I worked at another financial institution! It was because of the great loan rates that I started coming to ZIA, but it’s the atmosphere they have created that keeps me there. ZIA treats me not only as a valued member but they treat me like family. I always feel at home when I visit ZIA CU, and I know they have my best interests at heart.”
— Peggy S.
“Trail Life and American Heritage Girls Troop NM1412 would like to thank ZIA CU for sponsoring our troop. ZIA CU's support is vital to providing a program of outdoor adventure and leadership for kids in our community. Partnering with local groups like ours is one of the many ways we see ZIA CU investing in the future of Los Alamos and we appreciate their support!”
— Ryan W., Troop Leader
“I have been a Zia Credit Union member since the 1980s. Zia has always been helpful to finance my many vehicles and provide loan money for emergency home repairs, etc. They provided financial help and services when banks would not help. I encouraged my son to open his financial accounts with Zia also. Zia Credit Union is great.”
— Mari W.
“Zia Credit Union gave me a chance and has been an ongoing part of my financial life. When I was young and trying to purchase my first car, no other financial institution would give me a loan. I had no credit and was trying to build it, but no one wanted to give me that chance. Zia credit union did and they issued me my first loan. The rest is history. I have banked with Zia over 40 years. I have a strong financial foundation and I am thankful that Zia helped me when no one else would. I love that Zia is still believing in our communities by all the services and benefits they provide. Things like scholarships, Kirby kangaroo kids, loans, Christmas Club, etc. The list goes on. Thank you Zia Credit Union!!”
— Brenda G.
“I have been with Zia credit Union since 1997, and I have always been very pleased with the services I have received.”
-Ernestine M.
“I would like to take this opportunity to thank you for the supplies you donated to the Pojoaque Valley Middle School. It is refreshing to know that there are local businesses, such as yours, who are willing to make contributions to our students, to help them become successful. You, and your actions, are deeply appreciated by our students and staff.”
--Mario Vigil, Principal, Pojoaque Valley Middle School
Our History
Listening to you. Lightening your load. Lighting your path. That’s the ZIA difference. The Year Was 1955…
…and a group of 200 individuals from ZIA Company, support contractors for the Los Alamos National Laboratory, felt they needed their financial institution, so they founded ZIA Credit Union. The management chose to become a state-chartered credit union. In 1975, ZIA CU membership was expanded to include the entire community of Los Alamos. By 1995, it was expanded once again to include all people living, working, or worshipping in Rio Arriba County. In 2008, ZIA membership opened up to Santa Fe and Taos counties.
ZIA CU Today
Today ZIA is a thriving, member-owned, cooperative financial institution with over 12,000 members. While our roots remain firmly planted in northern NM, we serve our members wherever they may be. From digital and online banking to 30,000 fee-free ATMs to 5,000 shared branches, we’ve got you.
Our Leadership
Our Members Own the Credit Union; We Just Run It
Strong leadership leads to a strong organization. Our Board of Directors and Supervisory Committee are volunteers made up of members who have been elected by other members.
The leadership is also responsible for ensuring that the credit union is in good financial standing. View our latest Financial Statement here.
Click the “READ MORE” link to view our staff leadership and board members!
Your Board of Directors
JC Garcia – Chairman
Lawrence Gutierrez – Vice Chair
Matty Perez – Secretary
Tom Tierney – Treasurer
Richard Roybal – Member-at-Large
Your Supervisory Committee
Jimi Montoya – Chairman
Rick Garcia – Secretary
Gary Bobolsky – Member-at-Large
Your Senior Leadership
Dwayne Herrera – President & CEO
Paul Johnson – Vice President & CFO
Robert Valerio – Vice President of Lending
Valerie Martinez – Vice President of Member Experience
Albinita Romero – Vice President of Operations
Mandy See – Marketing and Business Development Manager
Holiday Closure Schedule
Holiday Schedule
We’re regular people who need time off too. But don’t forget you can always access your account 24/7 online, even if we’re not in that day!
The following holidays will be observed in 2024
| Holiday | Date |
|---|---|
| New Year's Day | Monday, January 1st |
| Martin Luther King, Jr. Day | Monday, January 15th |
| Presidents Day | Monday, February 19th |
| Good Friday | Friday, March 29th (Close at 1:00 pm) |
| Memorial Day | Monday, May 27th |
| Juneteenth | Wednesday, June 19th |
| Independence Day | Thursday, July 4th |
| Labor Day | Monday, September 2nd |
| Indigenous People’s Day | Monday, October 14th |
| Veterans Day | Monday, November 11th |
| Thanksgiving | Thurs, Nov 28th & Fri, Nov 29th |
| Christmas Eve | Tuesday, December 24th (Close at 1:00 pm) |
| Christmas | Wednesday, December 25th |
| New Year’s Eve | Tuesday, December 31st (Close at 3:00 pm) |
| New Year’s Day | Wednesday, January 1st, 2025 |
Read Our Blog
We’re Here, We Care
We’re not just here to help you grow your deposits and find the best rate on a loan. At ZIA CU, we care about your financial and overall well-being. That’s why we post a couple of blogs a month about topics relevant to you. Read on and contact us if you have any questions or would like more information.
ZIA Education Foundation
Paying It Forward
Going to college is a big step in a young person’s journey. That’s why ZIA CU established its Education Foundation in 1999. Since that time, we have presented $417,750 in Merit Scholarships in the categories of Academics, Leadership, and Special Achievement. Each year, our Foundation awards scholarships to outstanding high school seniors in the following categories: Academics, Leadership, and Special Achievement. But we don’t stop there. We also support education at UNM Children’s Hospital.
College is Expensive. We want to help.
We're offering scholarships to help cover the cost of the 2024-2025 school year for high school and homeschooled graduating seniors. We want to give you a leg up on covering the expenses! Apply by March 15, 2024, to be considered.
Being Hospitalized Is Hard, Keeping Up With School Is Even Harder
Along with other credit unions around the state, we use a portion of the Foundation funds to support UNM Children’s Hospital. The money we donate helps pay the salary for a full-time teacher so that children receiving care don’t fall behind in their studies.
Chip In For Kids
Tee time!
Our annual charity golf tournament, Chip In For Kids, takes place every summer at one of the various locations around northern New Mexico. All the proceeds raised go to support the ZIA Credit Union Education Foundation.
Click the button for more information about this year’s tournament and how you can participate!
Community Giving
More Than Just A Financial Institution
At ZIA CU, we’re not just all about business. It’s important to us to give back to the communities in which our members live, work, and worship. And, practicing good citizenship emphasizes the credit union philosophy of “People Helping People.” Do you represent a worthy cause? We love to support our members’ good causes!
Join The ZIA Team
Make ZIA Part Of Your Journey
In this journey of life, jobs come and go. But when you work at ZIA CU, you become part of a family. We recognize that happy employees make for happy members. So here you can expect more than just competitive pay and an excellent benefits package. A day off during your birthday month? You bet! Wellness incentives? Of course! We’ll even give you the shirt on your back with our corporate clothing program. We’d love to hear from you! ZIA Credit Union is an Equal Employment Opportunity employer.
Click “READ MORE” to see if we have any open positions!
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ZIA Credit Union recognizes the importance of providing its employees the opportunity to participate in a comprehensive benefits program. A competitive benefits program is key to our continued growth as an organization and offers our employees benefits in support of overall health and financial security.
Benefits Include:
Medical Insurance
Prescription Drug Insurance
Dental Insurance
Vision Insurance
Basic Life Insurance
Disability Insurance (Short-term and Long-term)
Voluntary Life Insurance
Medical Insurance
ZIA Credit Union’s medical plans are administered by Healthscope and our pharmacy benefits are administered by OptumRx. Our benefits are designed to cover a wide variety of medical services including preventive care, office visits, prescription drugs, and inpatient care. The credit union pays a percentage of the employee’s medical insurance premium.
Prescription Drug Insurance
Prescription drug coverage is included in the credit union’s health insurance plan. There is no additional premium for this benefit.
Dental Insurance
The dental plan is administered by MetLife. The credit union pays a percentage of the employee’s dental insurance premium.
Vision Plan
The Vision Plan, through MetLife, provides coverage through in- and out-of-the-network providers. The credit union pays a percentage of the employee’s vision plan premium.
Basic Life Insurance
ZIA Credit Union pays 100% of premiums for this benefit. Employee becomes eligible after 90 days of continuous active employment. The amount of the life insurance benefit is three times the employee’s annual salary up to a maximum of $350,000.
Disability
Short-term and long-term disability is provided to employees through Mutual of Omaha when off work due to injury or illness.
Voluntary Life Insurance
Employees have the option to purchase additional life insurance to cover any gaps in their existing coverage.
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Flexible Spending Account (FSA)
A Flexible Spending Account allows employees to have pre-tax money deducted from their paychecks to pay for eligible medical, dental, and vision expenses and dependent care costs. The FSA program is administered by Alt Bentley Yates.
Employee Assistance Program (EAP)
This benefit is available to all employees and their immediate family members through Mutual of Omaha at no cost.
Employees can speak confidentially 24/7 with consultants who can help with questions, concerns or emotional issues surrounding personal or work life.
Travel Assistance Program
This benefit is free to all employees through AXA Assistance USA, Inc.
AXA Assistance USA is available 24/7 anywhere in the world to help locate hospitals and embassies and to answer questions concerning travels.
Wellness Incentive Program
All employees are eligible to participate in this program. The credit union will pay half or up to $25 towards an employee’s monthly wellness program membership.
Employee Incentive Program
Several key positions have performance-based incentives that are determined based on meeting monthly goals and cross-selling various services to members.
Paid Holidays
Holiday pay is provided to all eligible employees.
Standard holidays are:
New Year’s Day
Martin Luther King, Jr. Day
President’s Day
Memorial Day
Independence Day
Labor Day
Columbus Day
Veteran’s Day
Thanksgiving Day and the day after
Christmas Day
Birthday Day Off
The credit union gives a personal day off to employees for their birthday.
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Family Medical Leave
Employees with at least 12 months of service who have worked at least 1250 hours in the preceding 12 months may take Family Leave, not to exceed 12 weeks in a 12-month period for qualifying events.
Bereavement Leave
The credit union grants bereavement leave with pay to allow employees to grieve, handle family affairs, and attend funeral services.
Paid Time Off (PTO)
ZIA Credit Union provides paid time off to eligible employees.
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401(k) Retirement Plan
Employees may begin participating under the credit union’s 401(k) retirement plan once they have satisfied the eligibility requirements and reached the entry date.
Eligibility conditions are:
Attainment of age 18
Completion of 90 days of service
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JOB SUMMARY
Serve as a liaison between the member and the credit union. Provide account information by phone or in person, as well as information on the full range of credit union products and services. Resolve issues, and professionally handle the member’s daily needs. Provide a variety of transactional services to members.
ESSENTIAL DUTIES AND RESPONSIBILITIES
Greet and welcome members and visitors to the credit union in a professional manner. Provide prompt, efficient, and accurate service in the processing of transactions.
Provide in-person and by-telephone general and specific service-related information concerning credit union services or policies.
May respond to email or other electronic requests submitted by members, again providing professional, prompt, efficient, and accurate service and information.
Respond to members’ requests, problems, and complaints and/or direct them to the appropriate person for specific information and assistance.
Handle requests from members for transfers of shares to loan payments, share withdrawals, check requests, line of credit advances, and any other requests received from members.
Participate in community and branch events that will promote the credit union products and services based on members’ needs. Actively cross-sell products.
Process member mail transactions, and mail receipts and checks to members as indicated by policy and procedure.
Provide information on investment alternatives to members wishing to deposit funds with the credit union.
Research accounts for deposit, withdrawal, loan payment discrepancies and assist members in balancing their accounts.
Responsible for balancing sold money orders and cashier’s checks daily.
Responsibility for compliance, as applicable, with the Bank Secrecy Act, including addressing, in a timely manner, any transaction requiring or warranting action.
Perform any other duties as assigned by the supervisor or management.
Contact Us
We’d Love To Hear From You!
When you call ZIA CU, you’ll be talking to a real person in northern NM! You can reach us toll-free at (800) 392-7629. Our local representatives can be reached at:
Call Center Hours:
Mon, Wed, Thu 8:00 AM – 5:30 PM
Tue* 10:00 AM – 5:30 PM
Fri 8:00 AM – 6:00 PM
If you prefer, just fill out the form below, and we’ll get right back to you.
*Call Center opens at 8:00 a.m. on the first Tuesday of each month.
Become a Member
Join ZIA
Since ZIA Credit Union membership offers so many outstanding benefits, you might think it's difficult to get in. But that couldn't be further from the truth. To become a member of ZIA CU, here’s all you have to do:
Live, work, or worship in one of the following counties: Los Alamos, Rio Arriba, Taos, or Santa Fe
Open a Share Savings Account and maintain a minimum balance of $25
If you don’t live, work, or worship in any of those four counties, we’ve got good news! You can still join our credit union if:
You are related to a current ZIA CU member
You were a ZIA CU member in the past
If you are under 18 or wishing to set up a business account, please call us at (800) 392-7329 or visit one of our locations.
Click “READ MORE” to learn more about membership
What does it mean to be a member?
As a not-for-profit, cooperative financial institution, ZIA CU exists to help our members save, borrow, and manage their money with confidence. We are committed to providing comprehensive financial solutions and exceptional personal service for every one of our members. What sets our credit union apart from other financial institutions? Here are a few highlights:
ZIA CU is cooperatively owned by its members
Members fund our credit union by purchasing shares
The purchase of a share gives each member ownership in the credit union and secures the right to vote for volunteer leaders to represent the members’ needs
Elected officials democratically manage a pool of capital for the benefit of all credit union members
Rather than paying profits to stockholders, ZIA CU returns its earnings to its members in the form of higher dividends and lower rates on loans
Members’ assets comprise the resources that support ZIA CU’s lending programs