Otero Federal Credit Union headquartered in Alamogordo, NM is a full-service financial institution. We offer free checking accounts with a free debit card and free online banking and bill pay, as well as low rate auto loans, a no annual fee Visa Platinum card and personal loans as small as $500.OTCU has a long history in Southern New Mexico. Originally chartered in Alamogordo on March 5, 1953, Otero FCU has served the citizens of Otero, Lincoln, Chavez, and Eddy county for over 60 years. We look forward to serving your banking needs for the next 60 years and beyond.Call or visit us today. Otero Federal Credit Union- the loans you need, the service you deserve!