Credit card debt is at record highs, with interest rates often exceeding 20% APR. Consolidate your payments into one Sandia Area Personal loan—with fixed rates starting as low as 8.99% APR.
$1 Trillion
Total credit card debt accumulated by Americans in 2024.
$9.3 Million
Debt Consolidated by Sandia Area members in 2024.
Say goodbye to unpredictable credit card interest rates, and say hello to one manageable, predictable payment. With a personal loan, lock in a fixed rate as low as 8.99% APR.
Pay one monthly payment every month. No guessing, juggling bills, or budgeting for multiple minimum monthly payments. Giving you the flexibility to save for what matters.
Unlike a credit card, your rate will never change and with a rate as low as 8.99% APR1, you'll save thousands compared to a high-rate credit card.
Use your funds for anything! Consolidate debt, reduce credit your card utilization rate, pay for an event or a trip, or even an education—no collateral required.
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 01/15/2025. 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. Personal Loan Rates
Effective Date: 01/15/2025
Term in Months APR1 as low as
48
8.99%
49-60
9.99%
Share Secured2
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With a fixed rate personal loan, you could save over $13,000 in interest paid* when you combine your variable interest rate debt into one, manageable payment.
*Estimated Variable Interest Rate total interest paid based off of a $40,000 balance with an estimated interest rate of 24.25% APR with a term of 48 months. Estimated Fixed Interest Rate total interest paid based off of a $40,000 balance with an 8.99% APR with a term of 48 months.
Once approved, use your personal loan to consolidate debt, fund an education, or save for what matters
Move forward with one, simple low rate
Calculate the difference our 10.25% fixed rate can make—try the debt consolidation calculator and take the first step toward stress-free finances.
Loan Payment Example: Estimated monthly payment of $995.22 for 48 months with a loan amount of $40,000 at 8.99% APR.
