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special introductory offer 2.99% apr on balance transfers for 12 months with a new slfcu credit card

Credit Cards

Keep more of your money with a smart credit card from SLFCU.




Now's a great time to consolidate and transfer high-interest balances from other cards to a new SLFCU credit card! Get an 2.99% introductory APR1 on balance transfers for 12 months with no balance transfer fee when you open a new SLFCU Visa Signature®, Visa Platinum® Value, or Visa Platinum Rebate card by August 31, 2024. 


Apply for a new SLFCU Visa Signature or Visa Platinum Rebate credit card and once approved, get a $100 statement credit if you spend $1,500 on purchases in the first 90 days!2

SLFCU credit cards fit your lifestyle and budget, with:

  • Low rates
  • No annual fees, penalty rates, or balance transfer fees
  • Contactless “tap to pay” and mobile wallet functionality
  • Real-time 24/7 fraud alerts and chip security

Apply online, call us at 505.293.0500 or 800.947.5328, or visit a branch to get started. 


SLFCU Visa Signature Card With a 1.50% monthly rebate on purchases, and premium benefits, this is Visa's most elite card. See the application disclosure and card agreement.
  • Rebate: 1.50% monthly
  • Rate: 17.00% to 18.00% APR3
  • Get a $100 credit! Apply for a new SLFCU Visa Signature card and once approved, get a $100 statement credit if you spend $1,500 on purchases in the first 90 days.1
  • No annual fee
  • No balance transfer fee
  • Minimum credit line: $5,000
  • Exclusive Visa Signature benefits


SLFCU Visa Platinum Value card If you carry a balance or want to consolidate balances from higher-rate cards, the Visa Platinum Value card offers our lowest rate. See the application disclosure and card agreement.


SLFCU Visa Platinum Rebate card Looking for a rebate card with a lower credit limit? The Visa Platinum Rebate card offers a 1.00% monthly rebate on purchases. See the application disclosure and card agreement.
  • Rebate: 1.00% monthly
  • Rate: 16.50% to 18.00% APR3
  • Get a $100 credit! Apply for a new SLFCU Visa Platinum Rebate card and once approved, get a $100 statement credit if you spend $1,500 on purchases in the first 90 days.1
  • No annual fee
  • No balance transfer fee
  • No minimum credit line
  • Visa Platinum Rebate benefits

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

12.99% introductory APR for 12 months from the first qualifying transaction on balance transfers completed within the first 90 days after account opening. After that, you will be charged the standard APR for balance transfers. As of April 1, 2024 the following rates are current and subject to change; 14.25% to 16.75% APR for Visa Platinum Value, 16.50% to 18.00% APR for Visa Platinum Rebate, and 17.00% to 18.00% for Visa Signature. These APRs will vary with the market based on the Prime Rate. Introductory APR is valid only for balance transfers from other credit card companies, financial institutions, or department store credit cards. You can't transfer balances to pay off other accounts issued by Sandia Laboratory Federal Credit Union. You should not initiate a balance transfer in the amount of any disputed purchase or charge, as you may lose your rights to dispute that purchase or charge. You must continue to make your required monthly payments to the issuer/merchant until you receive a statement from the issuer/merchant reflecting the balance transfer payment. SLFCU will not be responsible for any finance charges or late fees you incur on your other account as a result of a balance transfer request. We will not close your other accounts, even if you transfer the entire balance – please contact other creditors directly. Balance transfer requests may not exceed your available credit at the time we receive your request. Your accounts at SLFCU must be in good standing at the time the balance transfer offer is processed. Cash-back rebates are not earned on balance transfers. Any balance transfers processed after the promotional period will incur finance charges at the standard Balance Transfer rate.

2To be eligible for the $100 statement credit, $1,500 in net purchases (i.e., purchases minus credits and returns) must be made with your SLFCU Visa Signature® or Visa Platinum® Rebate credit card within 90 days of new account opening. Account must be open and in good standing at the time credit is awarded to receive the credit. These transaction types do not count as purchases: balance transfers, cash advances, checks that access your account, fees assessed by SLFCU, quasi-cash items (e.g., casino chips), cash equivalents (e.g., money orders), and purchases made using a Personal Identification Number (PIN). Each account is eligible for one statement credit of $100. Please allow up to four weeks after spending $1,500 to receive the credit. 

3Interest Rates, Charges, and Fees

Annual Percentage Rate (APR) for Purchases

14.25% to 16.75% Visa Platinum® Value
16.50% to 18.00% Visa Platinum® Rebate
17.00% to 18.00% Visa Signature®

These APRs will vary with the market based on the Prime Rate.

APR for Balance Transfers

Through August 31, 2024: 2.99% introductory APR for 12 months from the date of the first qualifying balance transfer within 90 days of account opening. After that date, APR will reflect the standard rates listed for purchases.

APR for Cash Advances

Same APR for purchases.

Penalty APR and When it Applies

How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

Minimum Interest Charge


Annual Fees


Transaction Fees

Balance transfer  None
Cash advance  $5
Foreign transaction  1% of each transaction in US dollars.

Penalty Fees

Late payment Up to $25
Returned payment Up to $25
Over-the-Credit-Limit Up to $25

Variable Rate: The annual percentage rate for each card is subject to change semi-annually on the first day of the billing cycle to reflect any change in the Index and will be determined by the Prime Rate as listed in the "Money Rates" section of The Wall Street Journal on the last business day of March and September, to which we add a margin. Any increase in the annual percentage rate will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.

Margin: For the Visa Platinum Value card, Purchases, Balance Transfers, and Cash Advances will be charged at 5.65% above the Index. For the Visa Platinum Rebate card, Purchases, Balance Transfers, and Cash Advances will be charged at 7.90% above the Index. For the Visa Signature card, Purchases, Balance Transfers, and Cash Advances will be charged at 7.40% above the Index.

To report a lost or stolen credit card, call 866.820.4924. If you receive a call regarding a blocked transaction on your personal credit card, call 888.918.7313.