Got Big Plans?
Let's Take the Next Step Together.
Bank with Raiz and discover the credit union difference.Âą
Trusted by 76,000+
members in El Paso
Voted Best of the City
2023 and 2024
El Paso's top rated local
Credit Union on Google
For All Your Financial Needs,
We've Got the Right Solution.
Say goodbye to monthly fees and minimum balances. You'll love the handy features like remote deposit, mobile purchasing, and person-to-person payments with Zelle®. Plus, access eStatements, monthly dividends², and direct deposit!
Experience the Platinum Mastercard® Credit Card from Raiz—no annual fee, low interest rates, and top-notch security with card management features through digital banking. Apply online for 24/7 banking access to manage your finances effectively.
Flexible terms up to 84 months and a break from payments for 90 days³. Enjoy refinancing options, personalized local support, and added peace of mind with GAP insurance. Let’s get you driving your dream car today!
Don't Take Our Word for It.
Check Out What Our Members Are Saying!
I never dread going to Raiz Credit Union to take care of business; the lobby is so welcoming, even offering drinks and snacks, and the wait period is always minimal. Their service is excellent; every issue I have ever had has been resolved quite quickly and in my favor. I have been a client for over thirty years and I have always been a satisfied customer.
Have been with the credit union for 30 years. Still satisfied with their service. Outstanding, everyone is so helpful. I would recommend them to anyone that needs a Credit Union.
Raiz is a great place to have all of your financial needs met. Joe Battle is my closest and favorite branch, but they are all great with excellent member service. Love my Credit Union and the innovation they are bringing to El Paso with new financial capabilities!
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Complete the Online Application
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Verify Your Identity
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Fund Your Account and Start Banking
Award-Winning Financial Technology Customized to Work for You
With an award-winning app and a robust digital banking platform, managing your money is simple, straightforward, and fast. Find everything you need at your fingertips.
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Raiz membership is available to anyone who lives, works, or worships in El Paso County, is a family member of a Raiz member, or is a Lifetime Member of the Underserved Communities Foundation (with a one-time donation of $10).
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As a Raiz member, you gain access to:
- Award-winning mobile app platform with 24/7 fraud monitoring, account security, and financial tools.
- 55,000 surcharge-free Allpoint ATMs available worldwide.
- Free financial education and consultations provided by Certified Credit Union Financial Counselors.
- Free online courses and coaches providing guidance for every stage of life.
- Various initiatives that aim to improve the community, including the Raiz Spirit Debit Card program, annual scholarships and grants, and partnerships with community and non-profit organizations.
Become part of something greater!
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Credit unions like Raiz are member-owned, not-for-profit cooperatives that prioritize returning profits to members through higher dividends, lower fees, and better loan rates. Unlike banks, which are profit-driven, credit unions have a member-elected volunteer Board of Directors to guide them and live by the philosophy of “People helping people.” We focus on serving our members’ best interests while giving back to the community we serve.
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To join, you’ll need:
- A valid ID like a U.S. driver’s license, military U.S. ID, U.S. government-issued ID, or U.S. Passport
- Social Security number or Individual Taxpayer Identification Number (ITIN)
- $5 initial deposit to open a Savings Account
- $0 initial deposit to open a Checking Account
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Yes, a minimum deposit of $5 is required to open a savings account. There are no fees or minimum balances required to open a checking account.
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Becoming a member is simple and straight forward. Once you’ve met the eligibility criteria and submitted the necessary documentation, your account can typically be opened the same day.
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Yes, you can start your application process online. Click here to get started!
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Your savings are federally insured up to $250,000 and backend by the full faith and credit of the United States Government. National Credit Union Administration (NCUA), a U.S. Government Agency.
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Raiz offers a comprehensive range of financial products and services for consumers and businesses, including:
- Savings and Checking Accounts: Flexible accounts to manage your daily finances.
- Loans: Personal, auto, home, commercial and construction loans tailored to your needs.
- Credit Cards: Competitive introductory rate with various benefits and no annual fees.
- Money Management: Manage your account 24/7, online, via mobile app, or at a Raiz Financial Hub – not your typical ATM.
- Insurance Services: Coverage options for life, auto, home, and more.
- Financial Education: Resources to help you make informed financial decisions.
- Investment Opportunities: Mammoth Rock Investments offers a comprehensive range of investment products, including retirement plans, annuities, mutual funds, and exchange-traded funds (ETFs).
Have a question?
We’re happy to help you every step of the way!
Chat with us
Start live chatChat live with a team member who can quickly help answer your question.
Meet with us
Schedule an appointmentSchedule a virtual or phone appointment convenient for you, and let us help you get to the next financial level.
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