Line of Credit

Establish now and borrow as the need arises. Your Line of Credit offers the flexibility you need with affordable monthly payments.

Rates start at 13.00% APR¹
Use as overdraft protection for your Sandia Area checking account

Apply now

See current rates and terms here

Personal Line of Credit Rates

Effective Date: 12/20/2024

Name	APR¹as low as
Personal Line of Credit (LOC)	13.00%
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 12/20/2024. 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. 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 7.50% as of 12/20/2024. 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.

Name

APR¹as low as

Personal Line of Credit (LOC)

13.00%

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 12/20/2024. 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. 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 7.50% as of 12/20/2024. 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.

Debt Protection

Protect your loan with Debt Protection with Life Plus and look out for the ones you love in case of involuntary unemployment, disability, or death.

Learn More

Want even more flexibility?

While our signature loans and lines of credit meet the needs of many members, consider a low-rate Sandia Area Mastercard. With no annual fee, no balance transfer fees, and no cash advance fees, a Sandia Area Mastercard may be your ticket!

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