Northern New Mexico School Employees Federal Credit Union is a unique kind of financial institution. It is an organization of people, not dollars, where you, the member, come first. The credit union is a member owned, not-for-profit, full-service financial institution, guided by a volunteer Board of Directors. Earnings are returned to members in the form of dividends, lower loan rates, and the availability of a wide variety of affordable financial services. Check out the many ways that you can benefit from credit Union membership!