Got big plans?
Let's take the next step together.
Bank with Raiz and discover the credit union difference. Become a member today!¹
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, enjoy free eStatements, monthly dividends², and direct deposit for super easy paydays!
Experience the Platinum Mastercard® Credit Card from Raiz—no annual fee, low interest rates, and top-notch security with the CardValet® app. Apply online for easy banking access and save money while managing your finances effectively.
With flexible terms up to 84 months and a break from payments for 90 days³, it's super easy to get started. Enjoy quick approvals, refinancing options, plus 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!
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!
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.
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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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Anyone in the El Paso community, family members of Raiz members, and Underserved Communities Foundation donors are eligible to join.
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As a Raiz member, you gain access to:
- Digital banking – Award winning mobile app platform with 24/7 fraud monitoring and protection and financial tools.
- 55,000 surcharge-free ATMs available worldwide.
- Financial education and guidance – Provided by Certified Credit Union Financial Councilors and free online courses and coaches providing guidance for every stage of life.
- Become part of something greater! Raiz supports 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.
- and more!
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Credit unions like Raiz are member-owned, not-for-profit institutions that prioritize returning profits to members through higher dividends, lower fees, and better loan rates. Unlike banks, which are profit-driven, credit unions live by the philosophy of “People helping people” and focus on serving their members’ best interests.
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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, ITIN and a $5 initial deposit to open a Share Savings Account
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Yes, a minimum deposit of $5 is required to open a savings account. There are no fees 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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Absolutely. Your deposits at Raiz Federal Credit Union are insured up to $250,000 by the National Credit Union Administration (NCUA), ensuring your funds are protected.
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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, and construction loans tailored to your needs.
- Credit Cards: Competitive credit card options with various benefits.
- Digital Banking: Manage your account 24/7, online, via mobile app, or at a 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
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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.
1 A one-time $5 membership fee is required to join Raiz Federal Credit Union.
2 Share Checking Account dividends are paid monthly. Please note that the rates may change after the account is opened. Fees may reduce earnings.
3 Interest will continue to accrue during the 90 day no payment period. Member must meet membership eligibility requirements.
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