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Sandia Area Federal Credit Union

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Sandia Area Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sandia Area Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Sandia Area Federal Credit Union's top rates as of October 9, 2026 are 3.65% APY on its 6-Month CD, and auto loans from 3.89% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Sandia Area Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.09%. Rates last updated and verified on 10/09/2026.

Sandia Area Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Sandia Area Federal Credit Union? Share your experience about Sandia Area Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Sandia Area Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.09%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Sandia Area Federal Credit Union
Far NE Heights

8000 Palomas Ave NE
Albuquerque, NM 87109

https://www.sandia.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Sandia Area Federal Credit Union CD Rates

Product	Rate	APY	Term	View More
6-Month Certificate	-	3.65%	6 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%

Sandia Area Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Installment Loans	-	-	7.00%
Details As low as; New Sandia Area loans only. Subject to credit approval. Rates are based on an evaluation of credit history and lien position. "As low as" rate assumes excellent credit history and first lien position. Your rate may differ. A manufactured home cannot be used as collateral for a home equity loan or line of credit. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.88% → 7.00% ▲ 0.13 pts · high 7.00% / low 6.88% Sep 25, 20267.00%▲ from 6.88% Sep 14, 20266.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Home Equity Lines of Credit	-	-	7.50%
Details As low as; 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 7.50% as of 12/20/2024. 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. A manufactured home cannot be used as collateral for a home equity loan or line of credit. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%

Sandia Area Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto Refinance	-	-	3.89%
Details As Low As; 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. 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. All consumer loans are charged simple interest with no pre-payment penalty. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 3.89% → 3.89% ▼ 0.00 pts · high 4.19% / low 3.89% Sep 18, 20263.89%▼ from 4.19% Sep 17, 20264.19%▲ from 3.89% Sep 14, 20263.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Auto Purchase	-	-	4.19%
Details As Low As; 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. 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. All consumer loans are charged simple interest with no pre-payment penalty. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 4.19% → 4.19% ▼ 0.00 pts · high 4.19% / low 3.89% Sep 18, 20264.19%▲ from 3.89% Sep 17, 20263.89%▼ from 4.19% Sep 14, 20264.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%

Sandia Area Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
RV Loans	-	7.49%
Details 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. 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. All consumer loans are charged simple interest with no pre-payment penalty. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%

Sandia Area Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Land Loans	-	-	9.00%
Details As low as; 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. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 8.50% → 9.00% ▲ 0.50 pts · high 9.00% / low 8.50% Sep 25, 20269.00%▲ from 8.50% Sep 18, 20268.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Sandia Area Federal Credit Union’s Texas Ratio stayed near 0.64% in Q3 2023 to 1.09% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.4B	1.09%	5.0	A+
March 31, 2026	$1.4B	1.29%	5.0	A+
December 31, 2025	$1.4B	1.47%	5.0	A+
September 30, 2025	$1.4B	0.98%	5.0	A+
June 30, 2025	$1.3B	1.06%	5.0	A+
March 31, 2025	$1.3B	1.03%	5.0	A+
December 31, 2024	$1.2B	0.91%	5.0	A+
September 30, 2024	$1.2B	1.02%	5.0	A+
June 30, 2024	$1.2B	0.62%	5.0	A+
March 31, 2024	$1.2B	0.44%	5.0	A+
December 31, 2023	$1.2B	0.74%	5.0	A+
September 30, 2023	$1.1B	0.64%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Sandia Area Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Sandia Area Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Sandia Area Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sandia Area Federal Credit Union

Website https://www.sandia.org

Address 8000 Palomas Ave NE, Albuquerque, NM 87109

Phone 505-292-6343

Fax

President Daniel Lowther

CEO Kevin Todd

Full-Time Employees 209

Part-Time Employees 13

Branch Locations 9

ATM Locations 9

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.09%

Return on Assets (ROA)

0.6055%

Return on Equity (ROE)

5.2933%

Non-Performing Loans Ratio (NPL)

0.15%

Total Assets

1,425,953,327

Total Amount of Shares and Deposits

1,250,659,231

Total Shares and Deposits < 1 Year

1,166,188,981

Total Shares and Deposits 1 3 Years

77,998,487

Total Shares and Deposits > 3 Years

6,471,763

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

169,886,823

Total Uninsured Shares and Deposits > $250K (F+J)

169,886,823

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,080,772,408

Total Interest Expense (Sum of items 6 8)

13,734,314

Share Certificates

10,447

Number of Accounts for Share Drafts

34,604

IRA KEOGH Accounts

1,752

Number of Accounts for Regular Shares

108,189

Non Member Deposits

10,054

Money Market Shares

5,858

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

66,428,925

Total Liabilities

1,267,887,582

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Sandia Area Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Sandia Area Federal Credit Union

How many branches does Sandia Area Federal Credit Union operate?

Sandia Area Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Sandia Area Federal Credit Union?

Yes, to access services at Sandia Area Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Sandia Area Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sandia Area Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Sandia Area Federal Credit Union offer online and mobile banking?

Most modern institutions like Sandia Area Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.sandia.org.