Otero Federal Credit Union (OFCU) is a community credit union serving members since 1953. It offers personal and business financial products, with options for opening accounts online or at a branch. Members can choose checking and savings accounts, youth accounts, money market accounts, certificates, and individual retirement accounts. OFCU also provides vehicle, personal, share-secured, student, and mortgage loans, as well as Visa Platinum credit cards. Additional offerings include Elite Checking, credit score and monitoring tools, auto insurance verification, and loan payment protection.

For everyday banking, OFCU provides mobile and online banking, bill payment, transfers, balance checks, Zelle, direct deposit, wire transfers, and debit, ATM, and gift cards. Members can also access financial calculators, financial wellness resources, tutorials, and guidance on fraud and scams. The credit union shares information about rates, fees, branch hours, community involvement, and career opportunities. OFCU deposits are federally insured by the NCUA, and the organization states that it follows fair housing and equal credit opportunity laws.