U.S.Eagle

What U.S.Eagle does

U.S. Eagle Federal Credit Union is a federally chartered, member-owned, not-for-profit financial cooperative founded in 1935 and headquartered in Albuquerque, New Mexico. It is the state's longest-standing credit union, operating 90 years as of 2025 and serving "tens of thousands" of New Mexico residents and businesses with a full suite of consumer and commercial banking products including checking, savings, money market, share certificates, IRAs, vehicle loans, personal loans, home equity loans, mortgages, credit cards, merchant services, and business investment accounts. The institution also operates Aery, a specialized banking vertical serving legally compliant cannabis businesses in New Mexico, a segment most traditional banks decline to serve.

The technology stack centers on an in-house "Anywhere Banking" online and mobile platform with mobile deposit, Zelle peer-to-peer payments, and a MeridianLink-powered online application portal for account opening and loan processing. Member experience is augmented by a portfolio of branded sub-products: MemPerx (tenure-based rate reductions), URCovered (identity protection), BaZing (deals and discounts), Early PayDay (early wage access), and the Find Your Balance Podcast, plus third-party integrations with Savvy Money, EverFi, Plaid, Apple Pay, Google Pay, and LinkedIn. Distribution is hybrid: physical branches across New Mexico, a call center, an in-house mortgage lending department, and access to the nationwide shared branch cooperative network.

The business model is a standard credit union net-interest-margin franchise: revenue derives from interest income on consumer and commercial loans (auto, mortgage, home equity, personal, credit card) and on invested reserves, supplemented by transaction fees (overdraft, ATM, wire, stop payment) and protection product fees (GAP, mechanical repair, debt protection via CUNA Mutual). Members pay a one-time $5 share account fee for membership, and the cooperative structure returns excess earnings to members through competitive rates rather than shareholder dividends, which underpins the institution's pricing value proposition of "better rates and fewer fees."

Name

U.S.Eagle

Legal name

U.S. Eagle Federal Credit Union

Website

https://useagle.org

Company type

Private

Founded year

1935

Operating status

Operating

Headcount range

251–500 employees

Short description

U.S. Eagle Federal Credit Union is a federally chartered, member-owned credit union founded in 1935 in Albuquerque, New Mexico, serving tens of thousands of New Mexico residents and businesses with consumer banking, lending, credit cards, commercial services, and specialized cannabis banking under the Aery brand.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213), Credit Unions (522130), Credit Card Issuing (522210)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Consumer banking services
• Credit union lending
• Deposit accounts
• Mortgage loans
• Business banking

Headquarters

HQ city

Albuquerque

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income - Loans: Primary revenue stream from interest charged on consumer loans including vehicle loans, mortgages, home equity loans, personal loans, and credit cards. Rates vary by product type and creditworthiness.
2. Interest Income - Investments: Income earned from investment of member deposits and reserves in securities and other interest-bearing instruments.
3. Fee Income: Various fee-based services including overdraft fees, ATM fees, wire transfer fees, stop payment fees, and loan-related fees. Also includes protection product fees for GAP, mechanical repair coverage, and debt protection.
4. Membership Fees: $5 share account required for membership; share certificates and other deposit products generate fee and interest income.
5. Business Services: Merchant services, business checking, and business deposit services generating fee income from business members.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels7 records

Core offering

U.S. Eagle Federal Credit Union is a member-owned, not-for-profit credit union providing consumer and business banking products and services across New Mexico. Its core offerings include checking, savings, money market, share certificates, and IRAs for deposits, along with mortgage, home equity, vehicle, personal loans, and credit cards for lending. The institution supplements these with value-added services such as online and mobile banking (Anywhere Banking), mobile deposit, Zelle peer-to-peer payments, MEMPERX rate reductions, URCovered identity protection, and business services including merchant services and specialized cannabis banking through the Aery program.

Product overview

U.S. Eagle Federal Credit Union operates as a full-service financial institution offering a comprehensive suite of banking, lending, and financial services primarily serving New Mexico residents. The product portfolio spans core deposit products (checking, savings, money market, and share certificates), diverse loan offerings (mortgage, home equity, vehicle, personal, and credit cards), and value-added services (mobile banking, financial wellness programs, and protection products). The platform architecture includes an integrated online and mobile banking system (Anywhere Banking) that serves as the primary digital channel, complemented by a MeridianLink-based application portal for account opening and loan processing. Key differentiators include the MEMPERX® rate benefit program, URCovered® identity protection, BaZing® savings app, and specialized cannabis banking services through the Aery program. The credit union serves both consumer and business members, with business offerings including checking, money market accounts, merchant services, and SEG-based membership options.

Differentiator

Problem solved

Functional benefit

Brands

• Aery: Cannabis banking services for business members
• MemPerx
• BaZing
• URCovered
• Early PayDay
• Find Your Balance Podcast
• ARNIA Foundation

Products and services

• Perks Plus Checking Primary personal checking account offering variable interest rates based on balance tiers, with perks and cashback rewards for individual members.
• Home Equity Loans (Get-It-Done) Fixed-rate home equity loan providing cash on-hand for home improvements, debt consolidation, or other needs, with rates as low as 6.99% APR up to 90% LTV and $10,000 minimum.
• Mortgage Loans Home purchase and refinance mortgage loans including Conventional, FHA, and VA options, with a current promotional offer covering appraisal fees up to $700 on eligible mortgages.
• Vehicle Loans Financing for new and used auto purchases and refinances, motorcycles, RVs, and other vehicles, with rates as low as 3.99% APR for 36-month terms on 2022-2027 vehicles.
• Personal Loans Unsecured signature loans, revolving credit lines, and short-term loans for individual members, with rates from 10.75% APR for signature loans to 18.00% APR for Eagle Success loans.
• Credit Cards Visa credit cards including Classic and Platinum tiers with various reward and benefit structures for personal use.
• Share Certificates Term deposit accounts with rates up to 2.85% APY for 12-20 month terms and a $500 minimum opening deposit, with penalty for early withdrawal.
• IRAs Individual Retirement Accounts including Traditional, Roth, SEP, Coverdell, and Health Savings Account options with variable rate earnings.
• Money Market Account Savings account with tiered interest rates up to 0.85% APY based on balance levels and a $100 minimum opening deposit.
• Anywhere Banking Online and mobile banking platform providing 24/7 account access, bill pay, mobile deposit, account transfers, Zelle payments, and transaction monitoring.
• Business Checking Business deposit account including a Preferred Business Checking tier earning up to 0.30% APY based on average monthly balance, with business debit card support.
• Business Investment Plus Account (BIPA) Business money market savings account with tiered rates up to 0.85% APY for balances of $100,000 and above.
• Merchant Services Payment processing solutions enabling business members to accept card payments from customers.
• Aery Cannabis Banking Specialized banking services for legally operating cannabis-related businesses in New Mexico, including deposit accounts and payment processing tailored to the cannabis vertical.
• Safe Deposit Boxes Secure storage containers available at branch locations for protecting valuables and important documents.

Quantifiable outcome

• Save up to $700 on appraisal fees for eligible mortgage loans
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and supporting.

• ExtolecoreGTM or Marketing Partner · 1 January 2025Extole provides the referral marketing platform powering U.S. Eagle's 90th anniversary $90 Member Referral Drive. The platform enables personalized referral link generation, tracking, and reward fulfillment for the promotional campaign.
• CUNA Mutual GroupsupportingTechnology or IntegrationCUNA Mutual Group provides protection products including Guaranteed Asset Protection (GAP) and Mechanical Repair Coverage offered as optional add-ons during loan applications.
• Early Warning Services (Zelle)coreTechnology or IntegrationU.S. Eagle integrates Zelle Network for peer-to-peer payment services, enabling members to send and receive money with contacts enrolled at U.S. Eagle or other participating financial institutions.
• Keller Williams Realty (The Staton Group)supportingGTM or Marketing PartnerCollaboration with local real estate professionals for first-time homebuyer workshops, providing complementary expertise alongside U.S. Eagle mortgage lending services.
• CignasupportingOthersProvides medical insurance options including high-deductible health plans with health savings accounts for U.S. Eagle employees.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Nusenda Credit Union: New Mexico's largest credit union, also community-chartered and serving NM residents with full consumer/SMB banking, lending, and digital services. Direct head-to-head competitor in overlapping NM geography with very similar product breadth.
• First Financial Credit Union: New Mexico-headquartered credit union serving state and select regional employees; offers personal banking, lending, and member services comparable to U.S. Eagle's core product set in the same NM geography.
• Sandia Laboratory Federal Credit Union: Federally chartered NM credit union with historical Sandia Labs membership but open community charter; offers consumer loans, mortgages, deposits, and wealth services across the Albuquerque market. Directly competes with U.S. Eagle for NM consumer and SMB relationships.

Broad incumbents

• Alliant Credit Union: Nationwide digital-first credit union offering consumer deposits, loans, mortgages, and credit cards with no physical branch dependency. Represents the digital competitive threat U.S. Eagle faces from non-regional, scale-driven credit unions.
• Patelco Credit Union: California-based community credit union with comparable size range, offering consumer loans, deposits, mortgages, and investment services. Similar institutional profile to U.S. Eagle as a non-regionally-diversified community credit union, but operating in a larger state market.
• Mountain America Credit Union: Large multi-state credit union serving several western U.S. states with consumer, mortgage, business, and wealth products. Comparable in business model and product breadth to U.S. Eagle but materially larger in assets and member count.
• Bank of Albuquerque: NM-focused commercial bank subsidiary of Heartland Financial/PNC-style regional franchise; offers consumer and business banking across the state. Competes with U.S. Eagle for NM deposits and SMB relationships but with broader regional/national backing.
• SchoolsFirst Federal Credit Union: Large California-based credit union serving education professionals with full consumer/SMB banking and lending products. Comparable in scale, federal charter structure, and community-focused mission, but with materially larger member base.
• Digital Federal Credit Union (DCU): Large, digitally-focused credit union with nationwide membership; offers consumer lending, mortgages, and deposits. Comparable in core credit-union model but with a digital-first operating posture that pressures regional incumbents like U.S. Eagle.
• Wells Fargo: National full-service bank with major NM retail and SMB presence. Competes with U.S. Eagle on deposits, mortgages, auto loans, and credit cards, but at much larger scale and with broader geographic and product diversification.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key highlights7 records

Customer concentration

• Xx.com/USEagleFCU

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about U.S.Eagle