Have a Peak PLUS Account? Add Peak PLUS Savings. 

Get started online, day or night! Stop by your favorite branch location or give us a call at 505.292.6343 to sign up for a free checking account, no minimum balance required. Not a member yet? Not a problem! You can join Sandia Area for just $5.

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Start adventuring, and track your progress toward reward qualification securely from your Online and Mobile Banking account! You only need 15 debit card transactions per month, one direct deposit or ACH credit each month, and to be signed up for eStatements! Learn more about signing up for eStatements below.

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Hurray! You met your qualifications, and your rewards are ready. Each month, you'll receive your cash back or dividends in your Peak PLUS High-Yield Savings account (if you've opened one), where you will earn 3.00% APY on your first $200,000! That's right. You get rewards for your rewards!

Federally insured by the NCUA. Membership eligibility required. Visit Sandia.org/Membership for complete details. Checking accounts subject to qualification and may require an opening balance. Advertised information and rewards are based on all account qualifications being met during each cycle period. Please refer to the Truth in Savings disclosures and rate schedule for complete details, restrictions, reward calculations, processing limitations, cycle dates, and enrollment instructions.

1. Peak PLUS Cash Back Checking Account: If you meet the minimum qualification requirements during the monthly qualification cycle,  you will receive 5.00% cash back on up to $200 in debit card purchases that post and settle to the account. A maximum of  $10 cash back may be earned per monthly qualification cycle. If you have a Peak Plus High-Yield Savings Account, cash back earned on your Peak PLUS Cash Back Checking Account will be deposited into your Peak PLUS High-Yield Savings Accounts. If you do not have a Peak PLUS High-Yield Savings Account, cash back earned will remain in your Peak PLUS Cash Back Checking Account.
You may qualify for monthly rewards if you meet the applicable minimum qualification requirements for the monthly qualification cycle. To meet the minimum qualification requirements, you must: 1) make 15 debit card purchases that post and settle to your account; 2) have one ACH credit or direct deposit settle to your account; 3) be enrolled to receive e-statements. The monthly qualification cycle is defined as the period beginning one calendar day prior to the first day of the current statement cycle through one calendar day prior to the close of the current statement cycle. 

2. ATM Refund Qualification Information: We will refund up to $6.00 per transaction and up to $25.00 per month in ATM fees assessed at worldwide ATMs we do not own or operate. ATM refunds will be paid on the last calendar day of the month. If you have a Peak PLUS High Yield Savings account, ATM fees refunded to you will be deposited directly into your Peak PLUS High Yield Savings account. If you do not have a Peak PLUS High Yield Savings account, earned and fees refunded will remain in your Peak PLUS Cash Back Checking account. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle, you will not earn a cash back reward and ATM fees will not be refunded to you.

3. New member bonus: Each new Peak PLUS Checking Account will automatically meet the qualification standards the first month of opening, enabling rewards to be earned and collected per account type listed above. In all subsequent months, qualification activities will be required to enable rewards. 

4. eStatements: By selecting eStatements, you choose to receive your statements and notices electronically, you will no longer receive paper copies via traditional mail. For important tax reporting reasons, you should always print and retain your December 31 year-end statement and tax documents. 
5. Zelle®: Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 
6. Mobile Check Deposit: Funds availability restrictions may apply. Visit our Funds Availability Policy for complete details. 
7. Two Days Early: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day payment file is received, which may be up to two days earlier than scheduled payment date. 
8. ChangeUp: Upon enrollment, we will round up your Mastercard® debit card purchases to the nearest dollar and transfer the difference from your checking account to your savings account or a charity of your choice. We may cancel or modify ChangeUp at any time without prior notice. 
9. Courtesy Pay/Courtesy Pay+: Courtesy Pay and Courtesy Pay+ are not loans and are qualifying services. Before using Courtesy Pay, we will first attempt to clear the item by using any Overdraft Protection program you may have in place. Members must opt in to Courtesy Pay+ to authorize and pay overdrafts on ATM and one-time debit card transactions. You can revoke your election at any time by calling the credit union at (505) 292-6343, visiting any of our branch offices, or online at Sandia.org/ Overdrafts. Restrictions apply. $29 fee will be assessed for each overdraft.  

10. Peak PLUS High-Yield Savings Account Qualification Information: APY=Annual Percentage Yield. Rates effective as of 08/30/2024. Rates, rewards, and bonuses, if any, are variable and may change after account is opened. The Peak PLUS High Yield Savings account is a tiered rate account and is available only to holders of a Peak PLUS High Yield Checking or Peak PLUS Cash Back Checking account. If you meet the minimum qualification requirements for your Peak PLUS High Yield Checking or Peak PLUS Cash Back Checking account during the monthly qualification cycle, the 3.00% APY will apply if your balance is $200,000.00 and below. The .50% APY will apply if your balance is $200,000.01 or greater. Each dividend rate will apply only to that portion of the account balance within each balance range. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle for the Peak PLUS High Yield Checking or Peak PLUS Cash Back account, the .05% APY will apply to the entire balance in your Peak PLUS High-Yield Savings account.
Additional Information: Limit of one (1) Peak PLUS Cash Back or one (1) Peak PLUS High-Yield checking account and one (1) Peak Plus High-Yield Savings account per membership. There are no recurring monthly maintenance charges or fees to open or close this account. No minimum balance is required to earn or receive the account's rewards. Business Accounts are not eligible for Peak PLUS Checking Accounts. If the account is closed, you will forfeit any rewards that have not been credited to your account.