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Sandia Laboratory Federal Credit Union Sandia Laboratory Federal Credit Union Go to main content
Routing #307083911|
Online Banking
Manage a Home Loan
Manage a Student or Consolidation Loan
Business-Loans & Credit Cards

Business Loans & Credit Cards

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  • Owner-occupied and non-owner-occupied investment properties
  • Construction and construction-to-permanent financing
  • SBA 504 loans


  • Competitive fixed and variable rates
  • Use for equipment and machinery, commercial vehicles, building improvements, technology system upgrades


  • Establish a CreditLine now so funds are available when your business needs them
  • Use for accounts receivable and payroll, inventory and materials, short-term business expenses


  • 13.50% Annual Percentage Rate (APR1). Variable APR2; U.S. Prime Rate plus 5.0% (floor of 10.75%) 
  • 1.00% year-end rebate on purchases
  • No balance transfer fees
  • No annual fee
  • eStatements available
  • Use with Apple Pay®, Google Pay™, or Samsung Pay®. Learn more about contactless payments with mobile wallets

To report a lost or stolen credit card, call 866.820.4924.

If you receive a call regarding a blocked transaction on your business credit card, please call 888.918.7313.

Mobile Wallets

Mobile Wallets

Apple, the Apple logo, and Apple Pay are registered trademarks of Apple Inc.

Google Pay and the Google Logo are trademarks of Google LLC.

*Only compatible with select Visa, Mastercard, American Express, and Discover cards from participating banks and qualifying Samsung devices. Check with your bank/issuer to ensure that your card is compatible, and check the Samsung Pay Support page for additional compatibility information regarding devices, carriers, and cards. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

Card Controls


SLFCU offers an easier way to manage your SLFCU debit or credit card – right in online or mobile banking. Turn your cards on or off, set alert preferences, and more with our Card Controls widget.

Features include:

  • Instantly turn your debit or credit card on or off to control when they can be used.
  • Get notified when your card(s) are used or declined.
  • Report your credit card lost or stolen and request a replacement card.
  • Submit travel notifications for your SLFCU credit card.
  • Transfer balances from other higher interest rate credit cards.

Start using these exciting features today! Log in to online or mobile banking and click on the Card Controls widget. Select the card(s) you wish to manage and complete the quick registration. Want to learn more? Read answers to Frequently Asked Questions at


For loan requests up to $100,000, complete a loan application and include the following:

  • Two most recent year-end business and personal federal tax return(s); include all business and personal schedules and personal K-1s, if applicable
  • Most recent interim Profit and Loss Statement and Balance Sheet (if last fiscal year-end is more than six months ago)
  • Business formation documents (business license, partnership agreement, articles of incorporation, bylaws, articles of organization, operating agreement, or trust certification form)

Once you have completed your loan package, contact one of our loan advisors at 505.293.0500 or 800.947.5328 to determine if any additional documentation is needed.

For loan requests of more than $100,000, please call 505.293.0500 to speak with an SLFCU business lender and determine what other documents you might need.

Open an Account

If you have a question, call us at 505.293.0500 or 800.947.5328.

1APR = Annual Percentage Rate. APR effective as of 07/01/2023. Minimum 10.75% APR. No penalty APR. $5 cash advance fee, 1% international transaction fee. Up to $25 late payment fee, up to $25 over-the-credit-limit fee, up to $25 returned payment fee. Check with SLFCU for additional details. 

2Your APR is variable and may be adjusted on the first day of January, April, July, and October. To calculate your new rate, we add a 5% margin to the U.S. Prime Rate published in The Wall Street Journal on the first business day that falls on or after the 15th day of the month preceding the adjustment month. To calculate your balance, we use a method called Average Daily Balance (Including new transactions).