This page uses JavaScript. Your browser either does not support JavaScript or you have it turned off. To see this page properly please use a JavaScript enabled browser.
Sandia Laboratory Federal Credit Union Sandia Laboratory Federal Credit Union Go to main content
Personal Routing #307083911|
Login
Personal Online Banking
Business Online Banking
Business Online BillPayer
Business Credit Card
Manage a Home Loan
Manage a Student or Consolidation Loan
Return to a Saved Application
Return to a Saved Mortgage Application

Rates

Expand All Sections 

close all sections 

print expanded sections

Savings, IRAs, Checking & Money Market

Savings Accounts & IRAs

Open an Account

Call 800.947.5328 to open an IRA.

Savings
Effective Date: Thursday, August 16, 2018
TypeBalanceDividend Rate 1APY 2
Savings $100 - $9,999 0.20% DR 0.20% APY
IRA Savings $5 - $9,999 0.20% DR 0.20% APY
Savings & IRA Savings $10,000 - $49,999 0.30% DR 0.30% APY
Savings & IRA Savings $50,000 and over 0.40% DR 0.40% APY

1 Dividend rate and APY may change at the discretion of the Board of Directors.

2 Annual Percentage Yield (APY) if dividends are not withdrawn during the term. Share accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the US Government. Yields determined at the time of investment.
 

Checking Accounts

Open an Account

Checking
Effective Date: Thursday, August 16, 2018
TypeBalanceDividend Rate 3APY 4
Money Manager 5 $500 and over 0.10% DR 0.10% APY
Quick Cash 6 $15 initial deposit N/A N/A

3 Dividend rate and APY may change at the discretion of the Board of Directors.

4 Annual Percentage Yield (APY) if dividends are not withdrawn during the term. Share accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the US Government. Yields determined at the time of investment.

5 Annual Percentage Yield as of effective date. There is no monthly service charge on member's first two Money Manager checking accounts ($5 charge per month for each additional account); 10 ATM transactions per month at CU Anytime locations with no additional SLFCU service charge (additional transactions at CU anytime locations $0.50 and at other ATMs $0.75 each). Surcharges may be added at ATMs owned by other institutions, so look for CO-OP ATMs whenever you travel.

6 There is no monthly service charge on member's first two Quick Cash checking accounts ($5 per month for each additional account); 20 free ATM transactions per month at CU Anytime locations with no additional SLFCU service charge (additional transactions for $0.75 each). Surcharges may be added at ATMs owned by other institutions, so look for CO-OP ATMs whenever you travel.
 

Money Market Savings

Open an Account

Money Market Savings
Effective Date: Thursday, August 16, 2018
BalanceMinimum BalanceDividend Rate 7APY 8
$2,500 - $9,999 $2,500.00 0.35% DR 0.35% APY
$10,000 - $24,999 $2,500.00 0.40% DR 0.40% APY
$25,000 - $49,999 $2,500.00 0.45% DR 0.45% APY
$50,000 and over $2,500.00 0.50% DR 0.50% APY

7 Dividend rate and APY may change at the discretion of the Board of Directors.

8 Annual Percentage Yield (APY) if dividends are not withdrawn during the term. Share accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the US Government. Yields determined at the time of investment.

Term Certificates & IRA Term Certificates

Term Certificates

Open an Account

Term Certificates
Effective Date: Thursday, August 16, 2018
TermMinimum Balance $1,000Minimum Balance $50,000Minimum Balance $100,000Minimum Balance $200,000
6-11 months 0.65% DR
0.65% APY
0.75% DR
0.75% APY
0.85% DR
0.85% APY
0.95% DR
0.95% APY
12-23 months 1.00% DR
1.00% APY
1.10% DR
1.10% APY
1.20% DR
1.20% APY
1.30% DR
1.30% APY
24-35 months 1.60% DR
1.61% APY
1.70% DR
1.71% APY
1.80% DR
1.82% APY
1.90% DR
1.92% APY
36 months 1.65% DR
1.66% APY
1.75% DR
1.77% APY
1.85% DR
1.87% APY
1.95% DR
1.97% APY
48 month variable rate 1 2.64% DR
2.67% APY
2.74% DR
2.77% APY
2.84% DR
2.88% APY
2.94% DR
2.98% APY

APY = Annual Percentage Yield, DR = Dividend Rate. APY if dividends are not withdrawn during the term. Share accounts are federally insured to at least $250,000 by the National Credit union Administration (NCUA), an agency of the US Government. Yields determined at the time of investment. Dividend Rate and APY may change at the discretion of the Board of Directors. A penalty may be imposed for early withdrawal.

1 The dividend rate and APY of the 48 month certificate are variable.

Bump Rate Certificates

Open an Account

Call 800.947.5328 to open an IRA.

18 Month Bump Rate
Effective Date: Thursday, August 16, 2018
TypeMinimum Balance $2,000Minimum Balance $50,000Minimum Balance $100,000Minimum Balance $200,000
18 month Bump Rate Share Certificate 1.30% DR
1.31% APY
1.40% DR
1.41% APY
1.50% DR
1.51% APY
1.60% DR
1.61% APY
18 month Bump Rate IRA Share Certificate 1.40% DR
1.41% APY
1.50% DR
1.51% APY
1.60% DR
1.61% APY
1.70% DR
1.71% APY

APY = Annual Percentage Yield, DR = Dividend Rate. The dividend rate and APY of the 18-month "bump rate" certificate may be changed to the current dividend rate and APY one time during the term at the owner's option. 

APY if dividends are not withdrawn during the term. Share accounts are federally insured to at least $250,000 by the National Credit union Administration (NCUA), an agency of the US Government. Yields determined at the time of investment. Dividend Rate and APY may change at the discretion of the Board of Directors. A penalty may be imposed for early withdrawal. 

IRA Term Certificates

Call 800.947.5328 to open an IRA.

IRA Term Certificates
Effective Date: Thursday, August 16, 2018
TermMinimum Balance $1,000Minimum Balance $50,000Minimum Balance $100,000Minimum Balance $200,000
6-11 months 0.75% DR
0.75% APY
0.85% DR
0.85% APY
0.95% DR
0.95% APY
1.05% DR
1.05% APY
12-23 months 1.10% DR
1.10% APY
1.20% DR
1.20% APY
1.30% DR
1.30% APY
1.40% DR
1.41% APY
24-35 months 1.70% DR
1.71% APY
1.80% DR
1.82% APY
1.90% DR
1.92% APY
2.00% DR
2.02% APY
36 months 1.75% DR
1.77% APY
1.85% DR
1.87% APY
1.95% DR
1.97%APY
2.05% DR
2.07% APY
48 month variable rate 2 2.64% DR
2.67%
2.74% DR
2.77% APY
2.84% DR
2.88% APY
2.94% DR
2.98% APY

APY = Annual Percentage Yield, DR = Dividend Rate. APY if dividends are not withdrawn during the term. Share accounts are federally insured to at least $250,000 by the National Credit union Administration (NCUA), an agency of the US Government. Yields determined at the time of investment. Dividend Rate and APY may change at the discretion of the Board of Directors. A penalty may be imposed for early withdrawal.

2 The dividend rate and APY of the 48 month certificate are variable.

Credit Cards

Credit Cards

Apply Now

Credit Cards
Effective Date: Thursday, August 16, 2018
TypeAPR 1NotesFeatures
Visa Signature« 12.15% APR This APR will vary with the market based on the Prime Rate. Earn 1.00% rebate on purchases. No annual fee, no balance transfer fee
Visa Platinum« Rebate 12.65% APR This APR will vary with the market based on the Prime Rate. Earn 0.75% rebate on purchases. No annual fee, no balance transfer fee
Visa Platinum« Value 10.40% APR This APR will vary with the market based on the Prime Rate. No annual fee, no balance transfer fee

1 APR = Annual Percentage Rate. 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.

Auto Loans

New & Used Automobiles

Apply Now

New & Used Automobiles
Effective Date: Thursday, August 16th, 2018
TypeTerm APR 1
New & Used Vehicle Up to 48 months As low as 2.50% APR
New & Used Vehicle 49-60 months As low as 3.20% APR
New & Used Vehicle 61-72 months As low as 3.20% APR
New Vehicle 73-84 months As low as 3.20% APR

Vehicles from the current or two previous model years and mileage =<25,000 qualify for new car rates.

APR = Annual Percentage Rate. Non-variable rate loans, 100% financing available including tax, title, license and extended warranties. Available rate is based on credit history and term and may be higher than rates listed here. All loans subject to credit approval. Rates subject to change without notice.

Other Vehicles

Apply Now

Other Vehicles
Effective Date: Thursday, August 16, 2018
TypeNotesTermAPR 3
New Recreational Vehicles 80% financing available Up to 180 months As low as 5.95% APR
Used Recreational Vehicles Previous model year and up to 10 years old: 80% financing available Up to 180 months As low as 5.95% APR
New Motorcycles, ATVs, Boats, Boat Motors, Trailers 80% financing available Up to 120 months As low as 5.95% APR
Used Motorcycles, ATVs, Boats, Boat Motors, Trailers Previous model year and up to 10 years old: 80% financing available Up to 120 months As low as 5.95% APR

3 Fixed-rate loan; rates offered subject to change; not everyone will qualify for lowest rate. Available rate is based on credit history and term and may be higher than rate(s) listed here. All loans subject to credit approval. Term based on amount financed.

First Mortgages (Fixed & ARMS)

Adjustable Rate Mortgages

Get a Personalized Quote

Apply Now

Owner Occupied 1st
Effective Date: Thursday, August 16th, 2018
TypeTermRate 1st 5 YearsAPRCurrent Calculation of Rate Remaining Term 1
5/5 1st 30 Years 3.875% 4.061% 4.000%
Jumbo 2 5/5 1st 30 Years 3.875% 4.049% 4.000%
5/5 >80%3 1st 30 Years 4.375% 4.461% 4.375%
Jumbo 2 5/5 >80%3 1st 30 Years 4.375% 4.448% 4.375%

APR = Annual Percentage Rate. Rate and payments adjust only once every 5 years. Rate is variable and can increase by no more than 2.0% every five years with a lifetime cap of 5.0%. 4.00% floor rate applies beginning at first adjustment.

Valid for adjustable rate first mortgages for owner occupied properties. Construction loans and mobile home loans are excluded from this offer. Maximum loan-to-value is 80%. Rate for the remaining term adjusts every five years and is based on the then-current index plus margin, rounded to the nearest eighth of a percentage point, and subject to the floor rate. Index is the one-month average yield of the 10-Year Treasury Note. Rates subject to change; check with SLFCU for current rates. A $45 initial credit report fee applies to all loans. Third party fees may apply in certain circumstances. Additional fees may apply outside New Mexico. Survey fee may be required. You will receive an estimate of closing costs when you apply. Consult your tax advisor regarding the deductibility of interest. You must insure the property that secures the loan. Fees subject to change without notice. If loan does not close, fees incurred will be charged to the member. APR Calculations are based on the following loan amounts for properties located in New Mexico or California: Non-Jumbo: $180,000, Jumbo: $500,000. All loans subject to credit approval. Contact SLFCU for details.

1 Since the index in the future is unknown, the Current Calculation of the Rate for the Remaining Term displayed is based on the current index plus margin (fully indexed rate) as of the date above, subject to the floor rate of 4.00%.

2 For loans over $453,100

3 For properties outside California: Up to 97% maximum loan-to-value for first-time homebuyers, 95% loan-to value for all other purchases.
   For properties in California: Up to 90% maximum loan-to-value.

Fixed Rate Mortgages

Get a Personalized Quote

Apply Now

Fixed Rate Mortgages
Effective Date: Thursday, August 16, 2018
TermPointsRateAPR
30 Year 0.500% 4.500% 4.636%
30 Year 0.000% 4.625% 4.718%
30 Year -0.500% 4.750% 4.844%
20 Year 0.500% 4.375% 4.560%
20 Year 0.000% 4.500% 4.626%
20 Year -0.375% 4.625% 4.753%
15 Year 0.500% 3.875% 4.105%
15 Year 0.125% 4.000% 4.175%
15 Year -0.125% 4.125% 4.282%
10 Year 0.500% 3.750% 4.080%
10 Year 0.125% 3.875% 4.126%
10 Year -0.125% 4.000% 4.225%

APR = Annual Percentage Rate. Valid for fixed rate first mortgages for owner occupied properties. Construction loans and mobile home loans are excluded from this offer. Maximum loan to value is 80%. For higher loan to value, consult an SLFCU loan officer. Rates subject to change without notice. A $45 initial credit report fee applies to all loans. Third party fees will apply. Fees subject to change without notice. If loan does not close, fees incurred will be charged to the member. You will receive an estimate of closing costs when you apply. Consult your tax advisor regarding the deductibility of interest and discount points. You must maintain insurance on the property that secures the loan. APR calculations are based on a loan value of $180,000. All loans subject to credit approval. Contact SLFCU for additional details.

Second Mortgages & Home Equity CreditLines

Owner Occupied 2nd Mortgage Loans

Get a Personalized Quote

Apply Now

Owner Occupied 2nd
Effective Date: Thursday, August 16th, 2018
Type 1TermMaximum Combined LTVInitial RateAPRCurrent Calculation of Rate Remaining Term 2
5/5 2nd w/ SLFCU 1st 20 Years 95% 4.91% 5.01% 4.875%
5/5 2nd w/o SLFCU 1st 20 Years 90% 5.41% 5.51% 5.375%

LTV = Loan-to-value. $45 initial credit report fee for all mortgages. Index is the one-month average yield of the 10-Year Treasury Note. Third party fees may apply in certain circumstances. Additional fees may apply outside New Mexico. Survey fee may be required. You will receive an estimate of closing costs when you apply. Consult your tax advisor regarding the deductibility of interest. You must insure the property that secures the loan. If loan does not close, fees incurred will be charged to the member. Subject to credit approval. Fees subject to change without notice. APR Calculations are based on the following loan amounts: Non-Jumbo: $180,000, Jumbo: $500,000.

1 Rate and payments adjust only once every 5 years. Rate is variable and can increase by no more than 2.0% every five years with a lifetime cap of 5.0%. 4.5% floor rate applies at first adjustment.

2 Since the index in the future is unknown, the Current Calculation of the Rate for the Remaining Term displayed is based on the current index plus margin (fully-indexed rate) as of the date above, subject to the floor rate for the product. Rates are rounded to the nearest eighth of a percentage point (0.125%)

Owner Occupied Home Equity CreditLines

Get a Personalized Quote

Apply Now

Owner Occupied HELOC
Effective Date: Thursday, August 16th, 2018
TypeTermMinimum LineRate 1st 3 MonthsAPRCurrent Rate Remaining Term 3Maximum Rate
1st 20 Years $35,000 5.09% 5.09% 5.125% 12.09%
2nd w/
SLFCU 1st
20 Years $10,000 5.09% 5.09% 5.125% 12.09%
2nd w/o
SLFCU 1st
20 Years $10,000 5.59% 5.59% 5.625% 12.59%

No annual fee. Variable rate line of credit with quarterly rate adjustments not to exceed 0.50% each, and rate is capped so it will never be more than 7% above the origination rate. Payments adjust with every draw and once a year if necessary. A $45 initial credit report fee applies to all mortgage loans. Ten-year draw period; 20-year repayment period.

3 Since the index in the future is unknown, the Current Calculation of the Rate for the Remaining Term displayed is based on the current index plus margin (fully-indexed rate) as of the date above, subject to the floor rate for the product. Rates are rounded to the nearest eighth of a percentage point (0.125%)

Investment Properties

Non-Owner Occupied Mortgage Loans

Get a Personalized Quote

Apply Now

Non-Owner Occupied
Effective Date: Thursday, August 16, 2018
NameTypeTermInitial RateAPR
Non-Owner Occupied1 1st 15 years/30 year amortization 5.59% 5.74%
Non-Owner Occupied1 2nd w/ SLFCU 1st 15 years/30 year amortization 6.09% 6.25%
Home Equity CreditLine 2 1st 15 years 5.84% 5.84%
Home Equity CreditLine 2 2nd w/ SLFCU 1st 15 years 6.34% 6.34%
Vacant Land 3 1st 12 years 6.09% 6.42%

APR=Annual Percentage Rate. $45 initial credit report fee for all mortgages. Index is the six-month moving average of the yield of the 10-year U.S. Treasury Note. Third party fees may apply in certain circumstances. Additional fees may apply outside New Mexico. Survey fee may be required. You will receive an estimate of closing costs when you apply. Consult your tax advisor regarding the deductibility of interest. You must insure the property that secures the loan. Subject to credit approval. Fees subject to change without notice. APR Calculations are based on the following loan amounts: Non-Jumbo: $180,000, Jumbo: $500,000, Vacant Land: $100,000.

1 Variable rate loan adjusts up to 1% semi-annually and will not vary more than 6% from the rate at issue. 4.5% floor rate after origination. Loan payments adjusted every year if necessary. Payments based on 30-year amortization, repayment term of 15 years with a balloon payment at end. Maximum loan to value is 80%.

2 Variable rate loan adjusts quarterly with adjustment not to exceed 0.5% and will not vary more than 7.0%. 5.5% floor rate. Five year draw period and a 15-year repayment period. Payments adjust with every draw and once a year if necessary. Jumbo loans are available; contact SLFCU for details. 

3 Variable rate loan adjusts up to 2% annually and will not vary more than 6% from the rate at issue. 5% floor rate. Loan payments adjusted every year if necessary. Maximum loan to value is 75%.

Personal Loans, Lines of Credit, and Secured Loans

Personal Loans/Lines of Credit

Apply Now

Personal Loans/Lines of Credit
Effective Date: Thursday, August 16, 2018
TypeTermAPR
Signature Loan To 48 months As low as 9.74%
Signature Loan 49-60 months As low as 10.24%
Signature CreditLine 1 60 months from the last draw As low as 10.49%

Adjustable rate loan, subject to change, not everyone will qualify for lowest rate. Available rate is based on credit history and term and may be higher than rate(s) listed here. All loans subject to credit approval. Term based on amount financed.

Borrow up to your approved credit limit.
 

Secured Loans

Apply Now

Secured Loans
Effective Date: Thursday, August 16, 2018
TypeTermNotes
Savings Secured Loan Up to 60 months Loans are priced based on the dividend rate of the Share Savings account plus 1%. Contact SLFCU for details.
Certificate Loan Up to 60 months Loans are priced based on the dividend rate of the Share Certificate account plus 1%. Contact SLFCU for details.
Certificate CreditLine 60 months from the last draw Loans are priced based on the dividend rate of the Share Certificate account plus 1%. Contact SLFCU for details.

Variable rate loan. All loans subject to credit approval. Special conditions apply. Check with credit union for details.

Student Loans & Student Loan Consolidation

Student Loans & Student Loan Consolidation

Apply for a student loan

Apply for Consolidation

Education
Effective Date: Thursday, August 16, 2018
TypeNotesTermAPR 1
Private Student Loan Borrow up to $30,000 annually Up to 180 months View current rates
Private Student Loan Consolidation Consolidate up to $100,000 Undergrad OR $150,000 Graduate Up to 180 months View current rates

1 Variable rate loan. 4.0% floor rate. All loans subject to credit approval. Special conditions apply. Check with credit union for details.

 

Go to main navigation