Personal Finance & Savings
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Members of SLFCU attending college in 2019-2020 are invited to enter our annual essay scholarship competition.
Based on member feedback, we are currently working to allow joint owners on personal accounts the ability to see and transact on those accounts in online banking.
SLFCU values your feedback. We have made several improvements to monthly account statements based on recent input from our members.
Cornell senior and 2018 SLFCU scholarship winner Rebecca Restrepo has a lot to look forward to in 2019.
When they step out of the workforce, retirees take a wealth of knowledge and experience with them.
Now is a great time to work toward reducing debt. To save money and reduce credit card debt, many people opt to transfer their credit card balances to cards with a lower rate.
Home-buying season has begun. Thinking of moving? Getting pre-approved with SLFCU can reduce some of the stress of buying a new home.
Sandia Laboratory Federal Credit Union celebrated our new Jefferson branch with a grand opening ceremony on March 14.
It’s important that the account numbers you use for direct deposit services are in a specific format so funds are deposited to the correct account.
Shredding unneeded receipts, bills, and papers with personal information is one way to help protect yourself from identity theft.
Sandia National Laboratories Livermore sought out SLFCU to help ease their employees' California home purchasing efforts.
Congratulations to Don Lutz and Paul Fedorko for making Bank Investment Consultant’s list of Top 100 Bank Advisors.
SLFCU pays close attention to member feedback and survey responses. Here are some answers to recent questions and comments.
The only way to build a credit record is to have and use credit. Here are some ideas on how to get started.
We offer 15/15 adjustable rate mortgages that have the stability of just one rate change during the life of the loan.
SLFCU’s new Jefferson branch is now open to serve members and will host a grand opening and ribbon-cutting ceremony.
Decline calls from people pretending to be from the Social Security Administration to get your Social Security number and money.
Scammers are working harder than ever to fool consumers. One trick of the trade is referred to as phishing.
With 12 years of experience with SLFCU, Jenna is well versed in the services in which members might need some assistance.
Our 100,000th member, Keely Dobbs, said joining the right financial institution couldn’t have been easier.
Some say yes, pointing to the recent federal tax reforms. This could be a prime time, but the move is not for everyone.
Please drop off new and gently used children's books at any New Mexico SLFCU branch February 5 - March 29.
From technology upgrades to member milestones, SLFCU continues to grow and serve our membership and communities.
SLFCU's new Jefferson branch located at 7500 Jefferson Street NE, Suite 100, is now open.
SLFCU has observed an increase in fraudulent transactions on SLFCU debit cards and has taken measures to safeguard our members’ accounts.
Attend a BALANCE webinar for a chance to win $1,000!
Since payments have turned digital, Rebecca feels the new generation doesn’t know the process of writing or cashing a check.
Sam Montoya is a familiar face to many of our Kirtland branch members.
SLFCU members can receive discounts on select TurboTax® products.
2018 IRS tax forms generated by SLFCU will be mailed by these dates and will also be available in online banking.
As of Monday, January 7, SLFCU Business Services has moved to 7500 Jefferson Street NE, Suite 100.
Help protect your SLFCU Mastercard debit card from fraud. Set controls and receive alerts by using the CardNavSM app.
SLFCU's new partner can help you start 2019 on the path to a stronger financial future.
The government shutdown is creating uncertainty for many SLFCU members. If your job is impacted by the shutdown, be assured that SLFCU is here to help.
SLFCU has been made aware of fraudulent emails being sent to both members and non-members.
The New Mexico Credit Union Education Foundation (NMCUEF) is accepting scholarship applications for the 2019–2020 school year.
SLFCU’s new Rio Rancho Branch Manager, Tess Wasson, is a familiar face to many of our Rio Rancho branch members.
This summer I made a big decision. With the proceeds from my first job, I decided to open a Roth IRA.
Mail theft tends to increase over the holidays. Use these tips to reduce the chances of having your mail stolen.
The holidays can be a great opportunity to teach children valuable lessons about money.
SLFCU meets legal guidelines for website accessibility and ensures slfcu.org functions well for all members.
SLFCU partners with Albuquerque non-profit to collect donations during the holiday season.
SLFCU’s free checking accounts come with a no-fee Mastercard® debit card you can use to simplify your holiday shopping.
Take advantage of these shopper benefits that can save you money this holiday season.
SLFCU members generously donated 437 pounds of non-perishable food to the Rio Grande Food Project.
SLFCU allows members in good standing to skip up to two months of payments on select loans in any rolling 12-month period.
SLFCU debit and credit cards may be able to detect unusual activity patterns and block transactions unless you take precautions.
John comes with 14 years of investment planning experience and a passion for helping people achieve financial success.
Have you underestimated? If you’re considering retiring in the near future, consider these factors.
If you do these things, being a cardholder will be a lot easier, and you'll be more comfortable handling your own money.
Congratulations to SLFCU’s essay scholarship winners, and thank you to the 17 members who volunteered their time as judges.
After eight years of serving the financial needs of our Los Lunas members, Melissa is ready to build solid relationships with Kirtland members.
Shredding unneeded receipts, bills, and papers with personal information is one way to help protect yourself from identity theft.
Thank you to all who brought school supplies to SLFCU branches or made monetary donations during the back-to-school supplies drive.
Los Poblanos Historic Inn & Organic Farm, located in Los Ranchos de Albuquerque, NM, was originally founded in 1934.
If you’re planning to buy a new vehicle, carefully timing your shopping may help you secure the best deal.
The teenage years are an ideal time to introduce young people to hands-on financial experiences and help them develop smart money habits.
SLFCU, Greater Albuquerque Habitat for Humanity, Sandia Retirees, and Friends House celebrated the dedication ceremony in June with new homeowners.
Why seniors choose them and what prospective annuity holders should consider.
When you register with the HomeAdvantage® program, you can take advantage of many home buying benefits.
SLFCU members can create savings goals in online banking. Start a savings goal to buy a home, plan a wedding, or make charitable donations.
The FTC website is a helpful resource for SLFCU members who are searching for information on ways to avoid scams, and how to protect yourself as a consumer.
Sandia National Laboratories kicks off its annual school supply drive on July 2 (ending August 7).
If you closed on a new home loan, refinanced your mortgage, or opened a Home Equity CreditLine, you may receive multiple solicitations in the mail.
Free services give you access to your accounts everywhere life takes you, saving you both time and money.
With the SLFCU Savings Laboratory®, teaching your child positive financial habits can be both fun and rewarding.
Because members are our first priority, we focus on service and financial education, better rates, and lower fees.
SLFCU partners with TruStage Insurance Agency to offer members competitive rates, quality products, and helpful advice without sales pressure.
The Fair Credit Reporting Act requires that your credit report be made available to you for free.
Learn about the current real estate market in the Albuquerque and Livermore areas.
In many situations, refinancing your auto loan can help you meet your financial goals or save you money.
SLFCU staff in branches and at our Contact Center can answer your questions about our new online and mobile banking.
Members needing access to the SLFCU branch on Kirtland AFB must request and obtain a Defense Biometric Identification System pass.
What to do when school grants, scholarships and government loans don’t cover the costs of attending college.
If you're building a new budget or updating an existing one, these tips could help you better manage debt.
SLFCU's online and mobile banking make it simple to create and track your progress toward saving for a down payment.
Basic estate planning documents may not communicate your intentions.
While planning is usually done before booking a vacation, it’s also important to plan for using your SLFCU credit or debit card while you’re traveling.
I will be making a tangible difference in our New Mexico community, and I know that someone’s life is improving.
Our free checking accounts have no minimum deposit requirement, no monthly fees, and may pay dividends on balances of $500 or more.
Peace of mind for your auto loans, credit cards, and signature loans.
With our recent online banking upgrade, we’re happy to be able to provide many updates that members have requested.
SLFCU scholarship winner Bella Starkweather is following in her sisters’ footsteps by attending the University of New Mexico.
A lack of credit history can be an issue for financially established individuals who opt to pay cash instead of getting loans or using credit cards.
A longer loan term can be a great option for those who need lower monthly payments to fit within a budget.
SLFCU’s new home loan option streamlines the mortgage process by allowing homebuyers to borrow up to 95% of the value of their home with a single loan.
Danlar Collision's partnership with SLFCU Business is built upon shared values like respect, service, and support.
Learn about transfers in the new online banking system.
SLFCU’s online banking gives you access to tools that can help you build a monthly budget, and more.
What number should you strive to reach?
When Card Services Manager Jeff Morris was 20 years old, his sister – branch manager of a bank in Amarillo – suggested he look for a job with a financial institution.
Cyber criminals create fake accounts or hack into real social media accounts and try to trick you into giving them money by asking for your account information.
A credit freeze restricts creditors from accessing your credit report, which prevents both legitimate and fraudulent loans and accounts from being opened in your name.
This past summer my friends and I started a neighborhood yard business. The four of us called it the Bro Business.
Setting up a budget can help you manage the money you earn and develop a plan to meet your future goals.
If you have a credit card from SLFCU, you may be able to take advantage of extra benefits that could save you money and make travel easier.
A CreditLine, also known as a line of credit, is a loan that allows you to borrow money and pay it back repeatedly, without having to apply for a new loan each time.
Mail theft tends to increase over the holidays. Follow these tips to reduce the chances of having your mail stolen.
Although most teenagers' first instinct with money is to spend it, saving money is ultimately the most beneficial action in the long run.
Recent security breaches, particularly the September announcement by Equifax that data for 143 million Americans was compromised, have caused intense concern.
What to Check (and Double-check)
Equifax has announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers.
Help protect your debit and credit cards from fraud.
Bigger purchases in life can require financing, and to qualify, you’ll need to have a credit score.
Beginning in October 2017, updated card information will be provided to billers that automatically charge your card.
When Lesley and Kurtis Caldwell decided they were ready to buy a home, they turned to SLFCU for a quality mortgage and great service.
I'm 14 years old, and while most of my friends slept late over the summer, I decided to get my first job.
Greater Albuquerque Habitat for Humanity celebrated the groundbreaking of two new homes.
Congratulations to SLFCU’s scholarship winners, and thank you to the members who volunteered their time as judges. This is the 23rd consecutive year SLFCU has awarded scholarships.
In 2016, we announced plans to pursue a merger between SLFCU and Kirtland Federal Credit Union. The boards of directors of both credit unions have decided to terminate that merger agreement.
Although investing isn’t a necessary skill to master in order to become financially stable or independent, it may provide benefits to someone looking for a smart way to grow their extra cash
SLFCU belongs to a nationwide network of nearly 30,000 surcharge-free ATMs.
Now you can print loan coupons from SLFCU's website to mail with your loan payments.
After many years together, some retired spouses may find their daily routines far apart.
As a member and owner of SLFCU, you get great service, competitive rates, and products designed to fit your financial needs. And you can share the credit union advantage with your family and friends.
Setting aside perfectly good spending money is the basis for a much broader world of opportunities.
David Stout joined SLFCU in 1976 after starting a new job with Sandia National Laboratories. He had just left the military and was interested in buying a house with his wife.
SLFCU offers all of the financial services you need, even if you are unable to visit or do not live near a branch.
Most credit and debit cards come with benefits that encourage consumers to choose that particular card over the other options available to them.
It's important to verify that your account information is up to date in order to ensure your direct deposits don’t experience problems or delays.
The Maki parents make sure their kids have regular opportunities to think about saving and spending money.
Good credit is the key to a solid financial foundation. It can help you secure a loan for school and a car, often at a better rate than someone with a low score would receive.
It’s a common misperception that lenders require a down payment of at least 20% of the price of the home.
Mail theft and check fraud are causing increased concern for individuals trying to keep their financial information safe.
Will your heirs receive a fair share of your wealth?
SLFCU has resources to help you navigate the car buying process so you can make informed decisions.
For 33 years Livermore members of SLFCU were served by just one branch, located near Sandia National Laboratories’ Livermore site.
Caroline Stapleton was one of 12 recipients of SLFCU’s 2016 Scholarship.
SLFCU now offers fixed rate mortgages that are processed, approved, closed, and serviced by SLFCU professionals.
SLFCU strives to price our products in a way that both benefits members and keeps their money safe. Robert Chavez, President/CEO, explains three factors that determine the pricing of deposits and loans at SLFCU.
Since I was a little girl, my parents have drilled in the importance of being smart with money.
SLFCU can help you set up your checking account to avoid Non Sufficient Funds (NSF) fees, returned checks, and declined cards.
As a teen it can be hard to know how to spend and also save at the same time.
Your approach to building wealth should be built around your goals and values.
Designed to help encourage savings habits and financial responsibility at an early age, the SLFCU Savings Laboratory program offers an engaging way for kids to get excited about saving.
Important life events may call for it.
When opening a savings account for a child, it's important to consider what purpose the account will serve.
Buying a vehicle doesn't have to be stressful. Once you've found the car that best meets your needs, follow these tips for smooth shopping.
The amount of malware targeting mobile devices tripled in 2015. Smartphones and tablets are as powerful as many desktop computers, and security is just as important.
There are three things you need to consider when saving for a home: a down payment, closing costs, and insurance and taxes.
A number of SLFCU members have been targeted by online sales scams, mainly in the form of bad checks. SLFCU recommends that you never accept a check from someone you don’t know.
The way you spend and save money when you are a teenager can help you in your future. Some teens spend money as soon as they get it.
Starting a career can be an exciting time, and it’s important to think about what a steady income means for your financial goals.
Shopping online can be tedious – check out as a guest, and you're entering card and shipping information; set up an account, and now you have another username and password.
Sierra Robinson is a senior at Eldorado High School in Albuquerque and the first winner of SLFCU’s teen article competition.
Just because you're away from home doesn't mean you have limited access to your accounts.
If you want to see your credit score increase, there are several strategies to boost it.
Call SLFCU's responsive phone system to check balances and history, make transfers, pay loans, and more.
Identity theft is a growing problem that is a potential risk to everyone. Take steps to reduce the chances of having your identity stolen.
When teaching finances to children, it can be difficult to point out the distinction between needs and wants, since many needs are handled by their parents.
Preparing your finances so others may assist you if necessary can be an important step in making sure your finances are handled the way you want.
There are a lot of features that comprise a checking account. We've answered some frequently asked questions to help you get the most out of your checking account.
For most people, college is the first time you'll be fully responsible for your finances. During college a budget is critical.
Buying a house can be daunting, and it's easy to feel overwhelmed. You probably have many questions: Which neighborhood is right for you? Is an appraisal different from an inspection?
To help you protect the people who matter most in your life, SLFCU endorses TruStage Accidental Death and Dismemberment Insurance from CMFG Life Insurance Company.
AutoSMART has the tools to guide you through the entire car buying process, saving you time and helping you make informed decisions.
Building credit is a common concern for teens and young adults. You need a good credit history in order to get an auto loan or credit card, and sometimes even contractual items like phone plans.
Your credit score and credit report are typically reviewed by lenders before they’ll approve you for a loan.
It’s important to select a checking account that helps you meet your goals.
Marriage marks a big turning point in life, and finances are often a significant consideration. Here are some topics you and your partner should discuss.
Data breaches at retail merchants are occurring more frequently than in the past. However, members can be assured that SLFCU is ready to help if your data is compromised.
SLFCU offers solutions for managing difficult financial situations. You can rely on SLFCU to provide personal, caring service and professional guidance.
Having a baby is expensive. Obvious costs include medical bills, baby gear, daycare, and lost wages. But there are many other financial considerations when it comes to starting a family.
Mastercard's Identity Theft Alert program monitors your online identity and sends you an alert if it detects that your personal information has been exposed to potential fraud or theft.
A credit card allows you to borrow money to make purchases. You can make a large purchase and pay it off in small amounts.
The balance in your checking account isn't necessarily the true amount of money you have available to spend. Your account balance only captures actions that have involved SLFCU.
There are two costs you might incur for using an out-of-network ATM. An ATM surcharge is assessed by a financial institution for using one of their ATMs when you are not a customer.
Using eStatements instead of getting statements by mail is more secure. Paper statements can be a prime target for criminals looking to steal your identity.
Children can be introduced to the concept of money at a young age. Whether it’s spending birthday money on a new toy or helping a parent at the grocery store, there are many opportunities.
When buying a new car, there are a lot of things to keep in mind. The Credit Union National Association recommends these six tips:
SLFCU's online banking will automatically determine how much lead time is needed to process and send your bill payments.
The holidays are fast approaching, and many of us will shop online. Credit card fraud and online scams spike over the holidays; here are some steps you can take to help keep your personal information and finances secure.
If you graduated from college in the spring, grace periods for your federal and private student loans are probably coming to an end. Most student loans have a six-month grace period before entering the repayment stage.
Many people are opting to delay buying a home in favor of renting in the short-term. However, the rental market is shifting.
My 10-year-old earns $5 a week for taking care of regular tasks and for helping without complaint, ideally, with chores like yard work and washing the car.
To create a secure username, choose something that you have never used on another site. Your username should include numbers and letters and should be difficult to guess.
Managing money wisely isn’t just a concern for adults – teenagers with jobs receive paychecks, and many high school graduates receive monetary gifts.
Here are some common approaches that some families take towards allowances.
Recent data breaches have caused intense concern from consumers. The Consumer Financial Protection Bureau recommends the following steps to protect yourself:
Card fraud is becoming increasingly common. If your debit card or credit card is used fraudulently, it can be costly for both you and SLFCU – in terms of time, energy, and money.
Through coverage provided by the National Credit Union Share Insurance Fund (NCUSIF), your deposits at SLFCU are backed by the full faith and credit of the United States government, up to the insured limit.
There's more to getting a good deal on your next vehicle than just negotiating with a salesperson.
Shop online and compare prices for actual dealer inventory at AutoSMART.
Putting together a realistic and helpful budget can be harder than it looks. Here are 14 tips.
As card fraud increases, so do SLFCU’s efforts to combat it. The safeguarding of our members’ cards is a top priority.
A 2013 study on credit report accuracy found that one in five of the participating consumers had an error on at least one of their three credit reports.
If you're planning to get a loan or just want to strengthen your financial standing, improve your credit with these six tips.
Why am I limited to six unsigned savings withdrawals or transfers each month?
SLFCU offers all the financial services you need, even if you live far from a branch. These resources will help you keep track of your finances anywhere you go.
Your SLFCU credit cards and debit card are protected by a system that detects unusual patterns of activity and may block transactions unless you verify that the transaction is legitimate.
Many SLFCU members have taken advantage of mobile deposit through online banking.
No more days and nights studying for exams and applying for scholarships. Now it's time for job hunting and paying student loans.
Rolling over a distribution from your employer-sponsored retirement plan account to a traditional IRA isn't difficult. Still, it's easy to make a mistake that could cost you.