Borrow

Like you, we drive these northern New Mexico roads every day

Look to your neighbors when it’s time to upgrade your vehicle.

• Competitively low rates for new or used vehicles

• Up to 130% financing available, including tax and title¹

• Budget-friendly repayment terms up to 7 years:

  • Terms of up to 84 months for new models (2023 and newer)

  • Terms of up to 75 months for used models (2022-2014)

  • Terms of up to 72 months for used models (2022-2014)

  • Terms of up to 48 months for older models (2013 and older)

• Free pre-approval for extra confidence upon negotiations

• Refinance your current vehicle to potentially lower your rate

• Extended member protection available (see below)

• Local decision-making and processing in Northern New Mexico

• Attentive, friendly service from start to finish

¹130% financing available on approved credit. May be higher based on credit score.

White Sands, Carlsbad Caverns, and beyond

Explore New Mexico in the RV of your choice, thanks to competitive financing from ZIA.

• Competitively low rates for new or used recreational vehicles¹:

  • Motorhomes and travel trailers

  • Boats, jet skis, and ski mobiles

  • Motorcycles, ATVs, and mopeds

• Up to 100% financing available, including tax and title¹

• Budget-friendly repayment terms, up to 10 years

• Extended member protection available (see below)

• Local decision-making and processing in Northern New Mexico

• Attentive, friendly service from start to finish

Call us at 1-800-392-7629 for current rates

¹Proof of insurance required (with a maximum deductible of $1,000.00).

Home Mortgage Loan

Competitive Rates, Free Approvals, And Plenty Of Options

When you finance your home with ZIA, you know we’ll be looking out for your best interest. You can count on:

• Competitively low rates for home purchase, refinance, or construction

• Available for primary residence, second homes, vacation homes, or investment properties

• A wide range of terms customized to your unique situation

• A wide range of financing programs available:

  • Fixed-rate mortgages

  • Adjustable-rate mortgages (ARMs)

  • USDA Rural Housing Loans

  • First-time homebuyer specials

  • Construction loans (coming soon)

• Helpful loan advisors with working knowledge of the local real estate market

• Free pre-approval for extra confidence when it comes to securing financing

• Refinance your current home to potentially lower your rate

• Local decision-making and processing in Northern New Mexico

• Attentive, friendly service from start to finish

Contact Information

Maria D. Ortiz

Mortgage Loan Officer

NMLS# 1998662

505-484-2055

mariao@ziacu.org

Make Your Home Work For You

Do you have a big expense coming up, like home improvements or college education?

When you own a home, you can use the equity you have in that home to borrow money that can be used as a line of credit. Just ask! We’re happy to help you put the equity in that home to work for you.

Like the circle of life at the center of the ZIA symbol, we understand that needs come and go.

No matter where you are in life, we’re there to help.

Signature (Unsecured) Loans

• No collateral required for members

• Competitive, low rates

• Terms of up to five years

• Easy application process

• Local decision-making and processing in Northern New Mexico

• Attentive, friendly service from start to finish

Share & Share Certificate Secured Loans

• Loan secured by your share account or a share certificate

• Take advantage of our lowest loan rates

• Interest only 2.50% above the rate paid on a share or share certificate

• Continue earning dividends on your share or share certificate

• Terms of up to 144 months

• Easy application process

• Local decision-making and processing in Northern New Mexico

• Attentive, friendly service from start to finish

Credit Builder Loans

Credit Builder Loans are designed to assist members with short-term access to credit and/or build credit history.

• Maximum amount to one member $1,000.00

• Term: Up to 12 months

• 12 months of employment history required

Click “READ MORE” to view rates.

Since 1955, we’ve embraced the credit union philosophy of “People helping people”

Find relief with funds that are there when you need them.

• Be ready with a revolving line of credit

• Easily access funds anytime you need them

• No minimum draw

• Competitive, low interest rates

• Pay interest only on what you use

• Reuse without reapplying

• Also acts as a fee-free overdraft protection

• Local decision-making and processing in Northern New Mexico

• Attentive, friendly service from start to finish

Click “READ MORE” to view rates.

Whether you want to build credit, or just need an additional source of convenient funds, a Visa® credit card from ZIA is the way to go

• Enjoy flexibility and security

• Build a good credit history

• Competitive rates

• No annual fee

• Different card types available for different needs

• Easy online account management

• Auto payment options

• Protect online purchases with Verified by Visa

• Accepted worldwide

Already have a ZIA credit card? Access your existing account.

Important Credit Card Disclosures

Click “READ MORE” to view rates.

Row, Row, Row or Ho, Ho, Ho

Whether summer is coming to an end and you’re transitioning from lazy days at the lake to back to school, or the holidays are coming up and you need a little more dough to make things merry, check out a seasonal loan from ZIA. We typically offer our Back-to-School Loans July-August and our Holiday Loans November-December, so be on the lookout for a seasonal loan at those times!

Add A Little Skip To Your Step

Sometimes you just need a little boost to keep you going.

That’s why, twice a year, ZIA offers its members to skip a loan payment. These Skip-a-Payment campaigns typically occur in July-August and November-January, so keep your eye on our promotions around those times!

Extended Warranty

Ask your loan officer about our extended warranty options.

Guaranteed Asset Protection (GAP)

Need some extra protection for your vehicle?

• Protection if vehicle is totaled or stolen

• Pays difference between what insurance covers and what you still owe

• Low-cost protection up to $595 can be rolled into loan

• Will cover insurance deductible up to $1,000

• May be applied toward any vehicle owned by the primary borrower

• May provide additional $1,000 toward purchase of a replacement vehicle¹

¹The vehicle must be financed with ZIA Credit Union and the funds applied toward down payment.

Ask your loan officer about our extended warranty options.

Loan Rates

We’re Working To Get You The Best Rate

One great thing about being a member of a credit union is getting great rates. At ZIA, we’re always working to find you the best rate.

Loyalty Pays With ZAP Your Rates

Did you know that ZIA rewards its members for their loyalty? The more ZIA products you have, the more you can ZAP your rate! You can ZAP UP your certificate rate by up to 0.50% depending on what other products you have with ZIA. Have a checking account? ZAP! Also, have a credit card? ZAP again! For example, instead of earning 0.70% APY** on a 60-month certificate (minimum balance $1,000), you could instead earn 1.2% APY**!

On the other hand, ZAP DOWN your loan rates by up to 0.60%! Direct deposit? Consumer loan? Certificate? ZAP, ZAP, ZAP! Let’s say you qualify for a 60-month new auto loan, zero percent down, at 2.74% APR*. ZAP it down to 2.14% APR*! With auto loans specifically, ask us about BONUS ZAPS for which you may qualify.

We Always Rate Match

Did you see a better rate offered by another financial institution? Let us know, and we’ll match it!