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
CU@home Online Banking
Business Online Banking
Business Online BillPayer
Business Credit Card
Manage a Home Loan
Return to a Credit Card Application
Return to an Auto or Personal Loan Application
Manage a Student or Consolidation Loan
Return to a New Account Application

Rates

Click the bar to expand each section.

Savings, IRAs, Checking & Money Market

Savings Accounts & IRAs

Open an Account

Call 800.947.5328 to open an IRA.

Share Savings
Effective Date: Saturday, April 29, 2017
TypeBalanceDividend Rate 1APY 2
Share Savings $100 - $9,999 0.20% DR 0.20% APY
IRA Share Savings $5 - $9,999 0.20% DR 0.20% APY
Savings & IRA Share Savings $10,000 - $49,999 0.30% DR 0.30% APY
Savings & IRA Share 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2 Annual Percentage Yield (APY) if dividends are not withdrawn during the term.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

Share Draft Checking
Effective Date: Saturday, April 29, 2017
TypeBalanceDividend Rate 3APY Dividend Rate 4
Money Manager 5 $500 and over 0.15% DR 0.15% 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4 Annual Percentage Yield (APY) if dividends are not withdrawn during the term.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 share draft 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 share draft 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: Saturday, April 29, 2017
BalanceMinimum BalanceDividend Rate 7APY Dividend Rate 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 Share Certificates & IRA Term Share Certificates

Term Share Certificates

Open an Account

Term Share Certificates
Effective Date: Saturday, April 29, 2017
TermBalanceMinimum Balance to OpenDividend Rate 1APY 2
6 - 11 months 3 $1,000 - $49,999 $1,000.00 0.40% DR 0.40% APY
6 - 11 months 3 $50,000 - $99,999 $1,000.00 0.50% DR 0.50% APY
6 - 11 months 3 $100,000 - $199,000 $1,000.00 0.60% DR 0.60% APY
6 - 11 months 3 $200,000 and over $1,000.00 0.70% DR 0.70% APY
12 - 23 months 3 $1,000 - $49,999 $1,000.00 0.60% DR 0.60% APY
12 - 23 months 3 $50,000 - $99,999 $1,000.00 0.70% DR 0.70% APY
12 - 23 months 3 $100,000 - $199,000 $1,000.00 0.80% DR 0.80% APY
12 - 23 months 3 $200,000 and over $1,000.00 0.90% DR 0.90% APY
18 month bump rate 3, 4 $2,000 - $49,999 $2,000.00 0.85% DR 0.85% APY
18 month bump rate 3, 4 $50,000 - $99,000 $2,000.00 0.95% DR 0.95% APY
18 month bump rate 3, 4 $100,000 - $199,000 $2,000.00 1.05% DR 1.06% APY
18 month bump rate 3, 4 $200,000 and over $2,000.00 1.15% DR 1.16% APY
24 - 35 months 3 $1,000 - $49,999 $1,000.00 1.10% DR 1.11% APY
24 - 35 months 3 $50,000 - $99,999 $1,000.00 1.20% DR 1.21% APY
24 - 35 months 3 $100,000 - $199,000 $1,000.00 1.30% DR 1.31% APY
24 - 35 months 3 $200,000 and over $1,000.00 1.40% DR 1.41% APY
36 months 3 $1,000 - $49,000 $1,000.00 1.55% DR 1.56% APY
36 months 3 $50,000 - $99,000 $1,000.00 1.65% DR 1.66% APY
36 months 3 $100,000 - $199,000 $1,000.00 1.75% DR 1.77% APY
36 months 3 $200,000 and over $1,000.00 1.85% DR 1.87% APY
48 month variable rate 3, 5 $1,000 - $49,999 $1,000.00 1.25% DR 1.26% APY
48 month variable rate 3, 5 $50,000 - $99,999 $1,000.00 1.35% DR 1.36% APY
48 month variable rate 3, 5 $100,000 - $199,000 $1,000.00 1.45% DR 1.46% APY
48 month variable rate 3, 5 $200,000 and over $1,000.00 1.55% DR 1.56% 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. 

3 A penalty may be imposed for early withdrawal.

4 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.

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

 

IRA Term Share Certificates

Call 800.947.5328 to open an IRA.

IRA Term Share Certificates
Effective Date: Saturday, April 29, 2017
TermBalanceMinimum Balance to OpenIRA Dividend Rate 6APY 7
6 - 11 months 8 $1,000 - $49,999 $1,000.00 0.50% DR 0.50% APY
6 - 11 months 8 $50,000 - $99,999 $1,000.00 0.60% DR 0.60% APY
6 - 11 months 8 $100,000 - $199,999 $1,000.00 0.70% DR 0.70% APY
6 - 11 months 8 $200,000 and over $1,000.00 0.80% DR 0.80% APY
12 - 23 months 8 $1,000 - $49,999 $1,000.00 0.70% DR 0.70% APY
12 - 23 months 8 $50,000 - $99,999 $1,000.00 0.80% DR 0.80% APY
12 - 23 months 8 $100,000 - $199,999 $1,000.00 0.90% DR 0.90% APY
12 - 23 months 8 $200,000 and over $1,000.00 1.00% DR 1.01% APY
18 month bump rate 8, 9 $2,000 - $49,999 $2,000.00 0.95% DR 0.95% APY
18 month bump rate 8, 9 $50,000 - $99,999 $2,000.00 1.05% DR 1.06% APY
18 month bump rate 8, 9 $100,000 - $199,999 $2,000.00 1.15% DR 1.16% APY
18 month bump rate 8, 9 $200,000 and over $2,000.00 1.25% DR 1.26% APY
24 - 35 months 8 $1,000 - $49,999 $1,000.00 1.20% DR 1.21% APY
24 - 35 months 8 $50,000 - $99,999 $1,000.00 1.30% DR 1.31% APY
24 - 35 months 8 $100,000 - $199,999 $1,000.00 1.40% DR 1.41% APY
24 - 35 months 8 $200,000 and over $1,000.00 1.50% DR 1.51% APY
36 months 8 $1,000 - $49,999 $1,000.00 1.65% DR 1.66% APY
36 months 8 $50,000 - $99,999 $1,000.00 1.75% DR 1.77% APY
36 months 8 $100,000 - $199,999 $1,000.00 1.85% DR 1.87% APY
36 months 8 $200,000 and over $1,000.00 1.95% DR 1.97% APY
48 month variable rate 8, 10 $1,000 - $49,999 $1,000.00 1.25% DR 1.26% APY
48 month variable rate 8, 10 $50,000 - $99,999 $1,000.00 1.35% DR 1.36% APY
48 month variable rate 8, 10 $100,000 - $199,999 $1,000.00 1.45% DR 1.46% APY
48 month variable rate 8, 10 $200,000 and over $1,000.00 1.55% DR 1.56% APY

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

7 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.

8 A penalty may be imposed for early withdrawal.

9 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.

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

 

Auto Loans

New Vehicles

Apply Now

New Vehicles
Effective Date: Saturday, April 29, 2017
TermAPR 1
All terms up to 84 months As low as 2.59% APR
Same rate new/used, all terms. 100% financing available. Vehicles from the current or two previous model years and mileage =<25,000 qualify for new car rates.

1 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. Offer applies only to loans new to SLFCU. All loans subject to credit approval. Rates subject to change without notice.

Used Vehicles

Apply Now

Used Vehicles
Effective Date: Saturday, April 29, 2017
TermAPR 2
All terms up to 72 months As low as 2.59% APR
Same rate new/used, all terms. 100% financing available. Vehicles from the current or two previous model years and mileage =<25,000 qualify for new car rates.

2 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. Offer applies only to loans new to SLFCU. All loans subject to credit approval. Rates subject to change without notice.

Other Vehicles

Apply Now

Other Vehicles
Effective Date: Saturday, April 29, 2017
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: Saturday, April 29, 2017
NameTypeTermNotesRate 1st 5 YearsAPRCurrent Calculation of Rate Remaining Term 1
SmartValue™ 5/5 Adjustable Rate Mortgage 2 1st 30 Years Rate and payment locked in for 5 year periods. 3.25% 3.95% 4.000%
Jumbo SmartValue™ 5/5 Adjustable Rate Mortgage 2 1st 30 Years

For loans over $424,100. Rate and payment locked in for 5 year periods.

3.25% 3.94% 4.000%

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 $35 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 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.
 

Fixed Rate Mortgages

Get a Personalized Quote

Apply Now

Fixed Rate Mortgages
Effective Date: 04/28/2017
TermRateAPRPoints
30 Year 4.00% 4.15% 0.750%
30 Year 4.13% 4.22% 0.125%
30 Year 4.25% 4.34% -0.500%
20 Year 3.88% 4.04% 0.375%
20 Year 4.00% 4.12% -0.125%
20 Year 4.13% 4.25% -0.750%
15 Year 3.38% 3.58% 0.375%
15 Year 3.50% 3.65% -0.125%
15 Year 3.63% 3.78% -0.500%
10 Year 3.25% 3.55% 0.375%
10 Year 3.38% 3.59% -0.125%
10 Year 3.50% 3.72% -0.500%

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 $35 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: Saturday, April 29, 2017
NameTypeTermNotesInitial RateAPRCurrent Calculation of Rate Remaining Term 1
SmartValue™ 5/5 2nd 2 2nd w/ SLFCU 1st 20 Years Maximum combined loan-to-value is 95% in most markets. 4.50% 4.60% 4.500%
SmartValue™ 5/5 2nd 2 2nd w/o SLFCU 1st 20 Years Maximum combined loan-to-value is 90% in most markets. 4.98% 5.10% 5.000%

$35 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. 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 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%)

2 Rate and payments adjust only once every 5 years. Rate is variable and can increase by no more than 2% every five years with a lifetime cap of 5%. 4.5% floor rate applies at first adjustment.
 

Owner Occupied Home Equity CreditLines

Get a Personalized Quote

Apply Now

Owner Occupied HELOC
Effective Date: Saturday, April 29, 2017
NameTypeTermRate 1st 3 MonthsAPRCurrent Calculation Rate Remaining Term 3Maximum RateNotes
Home Equity CreditLine 4
(Variable Rate)
1st 20 Years 4.54% As low as 4.54% 4.500% 11.540% No annual fee
CreditLine minimum: $35,000 for a 1st
Home Equity CreditLine 4
(Variable Rate)
2nd w/ SLFCU 1st 20 Years 4.54% As low as 4.54% 4.500% 11.540% No annual fee
CreditLine minimum: $10,000 for a 2nd
Home Equity CreditLine 4
(Variable Rate)
2nd w/o SLFCU 1st 20 Years 5.04% As low as 5.04% 5.000% 12.040% No annual fee
CreditLine minimum: $10,000 for a 2nd

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%)

4 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 $35 initial credit report fee applies to all mortgage loans. Ten-year draw period; 20-year repayment period.

 

Investment Properties

Non-Owner Occupied Mortgage Loans

Get a Personalized Quote

Apply Now

Non-Owner Occupied
Effective Date: Saturday, April 29, 2017
NameTypeTermNotesInitial RateAPR
SmartARM™ Mortgage 1 1st 15 years/30 year amortization Payments based on 30-year amortization; repayment term of 15 years, with a balloon payment at end. 5.04% 5.17%
SmartARM™ Mortgage 1 2nd w/ SLFCU 1st 15 years/30 year amortization Payments based on 30-year amortization; repayment term of 15 years, with a balloon payment at end. 5.54% 5.68%
Home Equity CreditLine 2 1st 15 years Five year draw period and a 15-year repayment period. Jumbo loans are available; ask us for details. 5.50% 5.50%
Home Equity CreditLine 2 2nd w/ SLFCU 1st 15 years Five year draw period and a 15-year repayment period. Jumbo loans are available; ask us for details. 5.79% 5.79%
Vacant Land 3 1st 12 years   5.54% 5.82%

$35 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 with a 15-year balloon term.

2 Variable rate loan adjusts quarterly with adjustment not to exceed 1/2% and will not vary more than 7%. 5.5% floor rate. Payments adjust with every draw and once a year if necessary.

3 Variable rate loan adjusts up to 1% semi-annually and will not vary more than 6% from the rate at issue. 5% floor rate. Loan payments adjusted every 2 years if necessary.

Student Loans & Student Loan Consolidation

Student Loans & Student Loan Consolidation

Apply Now

Education
Effective Date: Saturday, April 29th, 2017
TypeNotesTermAPR 1
Private Student Loan Borrow up to $30,000 annually Up to 180 months As low as 4.75% APR
Private Student Loan Consolidation Consolidate up to $100,000 Undergrad OR $150,000 Graduate Up to 180 months As low as 5.25% APR

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

 

Credit Cards

Credit Cards

Apply Now

Credit Cards
Effective Date: Saturday, April 29th, 2017
TypeAPR 1NotesFeatures
Visa Signature 1 11.40% 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 1 11.90% 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 1 9.65% APR This APR will vary with the market based on the Prime Rate. No annual fee, no balance transfer fee

1 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.

Personal Loans, Lines of Credit, and Secured Loans

Personal Loans/Lines of Credit

Apply Now

Personal Loans/Lines of Credit
Effective Date: Saturday, April 29, 2017
TypeNotesTermAPR
Signature Loan 1   To 48 months As low as 9.74%
Signature Loan 1   49-60 months As low as 10.24%
Signature CreditLine 1 Borrow up to your approved credit limit 60 months As low as 10.49%

1 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.
 

Secured Loans

Apply Now

Secured Loans
Effective Date: Saturday, April 29, 2017
TypeTermNotes
Share Secured Loan 2 Up to 60 months Loans are priced based on the dividend rate of the Share Savings account plus 1%. Contact SLFCU for details.
Share Certificate Loan 2 Up to 60 months Loans are priced based on the dividend rate of the Share Certificate account plus 1%. Contact SLFCU for details.
Share Certificate CredtiLine 2 60 months Loans are priced based on the dividend rate of the Share Certificate account plus 1%. Contact SLFCU for details.

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

 

Go to main navigation