Home > Loans & Credit Cards > Credit Cards

Apply NowManage an Application

Credit Cards

SLFCU offers smart credit card choices

SLFCU has credit cards that fit your lifestyle and budget. Each card comes with 24-hour security monitoring and chip security. All of our cards feature:

  • No annual fees
  • No penalty rates
  • No balance transfer fees

Earn an extra cash rebate* when you transfer your balance from another credit card to your Visa Signature® credit card or Visa Platinum® Rebate credit card by March 15, 2017. Your balance transfer rebate – 1.00% for Signature cardholders and 0.75% for Platinum Rebate cardholders – will be credited on the credit card statement you receive in April.

Call 505.293.0500 or 800.947.5328 or stop by any branch to request your balance transfer. You’ll need to provide the name and address of the credit card company from which you’re transferring a balance, the number of your other credit card, and the amount of the transfer.

*Transfer a balance from a non-SLFCU credit card to your SLFCU Visa Signature or Platinum Rebate credit card between January 13 and March 15, 2017 to earn a cash rebate. Minimum balance transfer: $50. Maximum rebate for balance transfers: $100. Maximum number of balance transfers: three (3). Balance transfers accrue finance charges from the date the transaction posts to your account, are subject to credit line availability, and cannot be used toward amounts you owe Sandia Laboratory Federal Credit Union. Please allow adequate time for the transfer to be processed.

To report a lost or stolen credit card, call 800.449.7728.

Visa Signature® – exclusive benefits and a 1.00% rebate

Visa Signature Card With a higher credit limit, 1.00% year-end rebate on purchases, and premium benefits, this is Visa's most elite card. See full terms and details.

Visa Platinum® Rebate – earn cash back

Visa Platinum Rebate card Looking for a rebate card with a lower credit limit? The Visa Platinum Rebate card offers a 0.75% year-end rebate on purchases. See full terms and details.

Visa Platinum® Value – our lowest rate

Visa Platinum Rebate 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 full terms and details.


Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases

9.15% APR Visa Platinum Value
11.40% APR Visa Platinum Rebate
10.90% APR Visa Signature

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

APR for Balance Transfers Same as above

APR for Cash Advances

Same as above
Penalty APR and When it Applies None
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 None
Annual fees  None  

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.

Apply Now


Print this page
Your chip card questions answered

Credit Card Rates

Credit Cards
Visa SignatureVisa Platinum Value
10.90% APR 9.15% APR

APR = Annual Percentage Rate

F - FacebookF - TwitterF - Bulletin BoardF - Calculators
© 2017 Sandia Laboratory Federal Credit Union. All rights reserved
Federally insured by NCUA. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Equal Housing Lender