Current Loan Rates
Sandia Area is dedicated to offering our members the best rates and a wide range of options to fit your needs. With no hidden fees and personalized lending solutions, we make banking straightforward and affordable. Got questions? Give us a call, visit us, or book an appointment—we’re here to help!
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| Term in Months | APR1 as low as |
|---|---|
| 1-36 | 5.29% |
| 37-48 | 5.49% |
| 49-66 | 5.99% |
| 67-75 | 6.29% |
| 76-84 | 6.49% |
Federally insured by the NCUA. An Equal Opportunity Lender. Membership eligibility required. Visit Sandia.org/Membership for complete details. 1. APR = Annual Percentage Rate effective as of 11/19/2024. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. “As low as” rate assumes excellent credit history. Not all applicants will qualify for the lowest rate. All consumer loans are charged simple interest with no pre-payment penalty. Actual interest rate charged is based on credit history, age of vehicle and terms of the loan, which can only be determined upon receipt of application. Terms up to 84 months available. Up to 125% financing. | |
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| Term in Months | APR1 as low as |
|---|---|
| 1-36 | 4.99% |
| 37-48 | 4.99% |
| 49-66 | 5.29% |
| 67-75 | 5.59% |
| 76-84 | 5.99% |
Federally insured by the NCUA. An Equal Opportunity Lender. Membership eligibility required. Visit Sandia.org/Membership for complete details. 1. APR = Annual Percentage Rate effective as of 08/07/2024. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. Not all applicants will qualify for the lowest rate. All consumer loans are charged simple interest with no pre-payment penalty. Actual interest rate charged is based on credit history, age of vehicle and terms of the loan, which can only be determined upon receipt of application. Terms up to 84 months available. Up to 125% financing. | |
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| Term in Months | APR1 as low as |
|---|---|
| 36 | 6.79% |
| 48 | 7.29% |
| 60 | 7.59% |
| 72 | 7.89% |
Federally insured by the NCUA. An Equal Opportunity Lender. Membership eligibility required. Visit Sandia.org/Membership for complete details. 1. APR=Annual Percentage Rate effective as of 09/04/2024. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. “As low as” rate assumes excellent credit history. Not all applicants will qualify for the lowest rate. All consumer loans are charged simple interest with no pre-payment penalty. Actual interest rate charged is based on credit history, age of vehicle and terms of the loan, which can only be determined upon receipt of application. Terms up to 72 months available. Up to 100% financing. | |
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| Term in Months | APR1 as low as |
|---|---|
| 36 | 7.49% |
| 60 | 7.49% |
| 72 | 7.99% |
| 84 | 7.99% |
| 120 | 8.29% |
| 144 | 8.49% |
| 180 | 8.79% |
| 240 | 8.99% |
| Federally insured by the NCUA. An Equal Opportunity Lender. Membership eligibility required. Visit Sandia.org/Membership for complete details. 1. APR=Annual Percentage Rate effective as of 09/04/2024. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. “As low as” rate assumes excellent credit history. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Terms up to 180 months available. Up to 100% financing. 240 month term available only self-contained recreational units. | |
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| Term in Months | APR1 as low as |
|---|---|
| 36 | 6.99% |
| 48 | 7.49% |
| 60 | 7.99% |
| 72 | 8.29% |
| 84 | 8.49% |
Federally insured by the NCUA. An Equal Opportunity Lender. Membership eligibility required. Visit Sandia.org/Membership for complete details. 1. APR=Annual Percentage Rate effective as of 7/17/2024. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. “As low as” rate assumes excellent credit history. Not all applicants will qualify for the lowest rate. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Terms up to 84 months available. Max term varies based on loan collateral type. | |
Learn More About Marine Loans Apply Now
| Term in Months | APR1 as low as |
|---|---|
| 120 | 6.50% |
| 180 | 6.75% |
| Federally insured by the NCUA. An Equal Opportunity Lender. Membership eligibility required. Visit Sandia.org/Membership for complete details. 1. APR=Annual Percentage Rate effective as of 10/02/2024. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. “As low as” rate assumes excellent credit history and first lien position. All consumer loans are charged simple interest with no pre-payment penalty. New Sandia Area loans only in the counties of Bernalillo, Sandoval, Santa Fe, Valencia, Torrance, Cibola, Dona Ana, Rio Arriba, Mora, San Miguel and Los Alamos on primary residences with clean title history. Borrower is responsible for homeowners’ insurance and, if required, flood insurance. Maximum loan amount is $200,000 and maximum LTV is 90%. Loans over $200,000 will be reviewed on a case-by-case basis. | |
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| Term in Months | APR1 as low as |
|---|---|
| 180 | 8.25% |
| Federally insured by the NCUA. An Equal Opportunity Lender. Membership eligibility required. Visit Sandia.org/Membership for complete details. 1. APR = Annual Percentage Rate effective as of 11/08/2024. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. “As low as” rate assumes excellent credit history. Not all applicants will qualify for the lowest rate. All consumer loans are charged simple interest with no pre-payment penalty. New Sandia Area loans only in the counties of Bernalillo, Sandoval, Santa Fe, Valencia, Torrance, Cibola, Dona Ana, Rio Arriba, Mora, San Miguel and Los Alamos on primary residences with clean title history. “As low as” rate assumes excellent credit history and first lien position. Borrower is responsible for homeowners’ insurance and, if required, flood insurance. Home Equity Line of Credit is a revolving credit line. Maximum loan amount is 90% LTV for 180 months up to $200,000. Loans over $200,000 will be reviewed on a case-by-case basis. Term of 180 months consists of 5-year draw period followed by 10-year repayment only period. Home Equity Line of Credit is a variable APR (Annual Percentage Rate) based on the value of an index plus a margin and is subject to increase. The index is the NY Prime Rate published in the Money Rates column of the Wall Street Journal and is 8.00% as of 09/20/2024. When a range of rates has been published, the highest rate will be used. The current margin could range between 0.50% - 1.50% and is subject to change based on your credit score. The HELOC has a floor of 3.75% and a ceiling of 18.00% and will change by no more than 0.25% per month. | |
Learn More About Home Equity Lines of Credit Apply Now
| APR1 | Term in Months | Max LTV | Max Amount |
|---|---|---|---|
| 8.24% | 144 | 70% | $100,000.00 |
| Federally insured by the NCUA. An Equal Opportunity Lender. Membership eligibility required. Visit Sandia.org/Membership for complete details. 1. APR = Annual Percentage Rate effective as of 06/07/2016. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. All consumer loans are charged simple interest with no pre-payment penalty. Valid for raw land five (5) acres or less in the counties of Bernalillo, Sandoval, Santa Fe, Valencia, Torrance, Cibola, Dona Ana, Rio Arriba, Mora, San Miguel, and Los Alamos. Land loans are fixed rate loan products. A full appraisal and survey will be required on all land loans and normal closing costs, origination fees, application fees, and title insurance are required. See a representative for details. | |||
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| Term in Months | APR1 as low as |
|---|---|
| 48 | 10.25% |
| 49-60 | 10.75% |
| Share Secured2 | Learn More |
Federally insured by the NCUA. An Equal Opportunity Lender. Membership eligibility required. Visit Sandia.org/Membership for complete details. 1. APR = Annual Percentage Rate effective as of 12/27/2023. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. “As low as” rate assumes excellent credit history. Not all applicants will qualify for the lowest rate. All consumer loans are charged simple interest with no pre-payment penalty. 2. For Share Secured Loans, the annual percentage rate will be the current share dividend rate (Index) in effect on deposits of at least $5,000 plus 3.0% (margin). The rate is subject to change monthly on the 1st day of each month to reflect any change to the index. | |
Learn More About Personal Loans Apply Now
| Name | APR1 as low as |
|---|---|
| Personal Line of Credit (LOC) | 13.25% |
| Federally insured by the NCUA. An Equal Opportunity Lender. Membership eligibility required. Visit Sandia.org/Membership for complete details. 1. APR = Annual Percentage Rate effective as of 11/08/2024. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. “As low as” rate assumes excellent credit history. Not all applicants will qualify for the lowest rate. All consumer loans are charged simple interest with no pre-payment penalty. Line of Credit is a variable APR (Annual Percentage Rate) based on the value of an index plus a margin and is subject to increase. The index is the NY Prime Rate published in the Money Rates column of the Wall Street Journal and is 8.00% as of 09/20/2024. When a range of rates has been published, the highest rate will be used. The current margin is 5.5% and is subject to change. | |
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| CREDIT CARD PROGRAM | Annual Fee, Balance Transfer or Cash Advance Fee2 | APR1 2 |
|---|---|---|
| World Rewards Mastercard® Variable | None | 10.99% - 17.99% |
| World Rewards Mastercard ® Traditional | None | 10.24% - 17.99% |
| Rewards Mastercard ® Variable | None | 10.99% - 17.99% |
| Rewards Mastercard ® Traditional | None | 10.24% - 17.99% |
| Permaculture Mastercard ® Variable | None | 9.49% - 17.99% |
| Permaculture Mastercard ® Traditional | None | 8.74% - 17.99% |
| Mastercard ® Variable | None | 9.49% - 17.99% |
| Mastercard ® Traditional | None | 8.74% - 17.99% |
| Secured Mastercard ® | None | 11.50% - 17.50% |
Federally insured by the NCUA. An Equal Opportunity Lender. Membership eligibility required. Visit Sandia.org/Membership for complete details. 1. APR = Annual Percentage Rate effective as of 09/20/2024. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. “As low as” rate assumes excellent credit history. Not all applicants will qualify for the lowest rate. All consumer loans are charged simple interest with no pre-payment penalty. 2. See important credit card terms here. | ||
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