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Due to a high volume of secure messages to our Contact Center, responses are taking longer than usual. Thank you for your patience as we work to assist members as quickly as possible.

Learn how SLFCU’s transactional system upgrade may have affected you; see answers to frequently asked questions.

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Sandia Laboratory Federal Credit Union Sandia Laboratory Federal Credit Union Go to main content
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New MEMBERS Financial Services Advisor John Marek

John comes with 14 years of investment planning experience and a passion for helping people achieve financial success.

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How Much Money Will You Need in Retirement?

Have you underestimated? If you’re considering retiring in the near future, consider these factors.

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SLFCU’s New 15/15 Adjustable Rate Mortgage

We now offer 15/15 adjustable rate mortgages that have the stability of just one rate change during the life of the loan.

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Teen Article: Advice to New Debit Cardholders

If you do these things, being a cardholder will be a lot easier, and you'll be more comfortable handling your own money.  

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Introducing Paseo del Norte Branch Manager Tess Wasson

SLFCU’s new Paseo del Norte Branch Manager, Tess Wasson, is a familiar face to many of our Rio Rancho branch members.

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2018 Scholarship Winners

Congratulations to SLFCU’s essay scholarship winners, and thank you to the 17 members who volunteered their time as judges. 

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Introducing Kirtland Branch Manager Melissa Cordova

After eight years of serving the financial needs of our Los Lunas members, Melissa is ready to build solid relationships with Kirtland members.

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Shredding Tips

Shredding unneeded receipts, bills, and papers with personal information is one way to help protect yourself from identity theft.

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Sandy Joins Edgewood's Run, Rally & Rock

SLFCU mascot Sandy the Lab was part of Edgewood's Route 66 Run, Rally & Rock parade in August.

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SLFCU Members Support APS Students

Thank you to all who brought school supplies to SLFCU branches or made monetary donations during the back-to-school supplies drive.

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Local Landmark Relies on SLFCU

Los Poblanos Historic Inn & Organic Farm, located in Los Ranchos de Albuquerque, NM, was originally founded in 1934.

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Five Great Times to Buy a Vehicle

If you’re planning to buy a new vehicle, carefully timing your shopping may help you secure the best deal. 

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Help Teens Prepare for Financial Success

The teenage years are an ideal time to introduce young people to hands-on financial experiences and help them develop smart money habits.

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SLFCU Supports Habitat for Humanity

SLFCU, Greater Albuquerque Habitat for Humanity, Sandia Retirees, and Friends House celebrated the dedication ceremony in June with new homeowners.

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Annuities for Retirement Income

Why seniors choose them and what prospective annuity holders should consider.

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Online Tools for Finding Your Dream Home

When you register with the HomeAdvantage® program, you can take advantage of many home buying benefits.

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Achieve Your Savings Goals with SLFCU

SLFCU members can create savings goals in online banking. Start a savings goal to buy a home, plan a wedding, or make charitable donations.

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Security Resources on the Federal Trade Commission Website

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.

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Online & Mobile Banking Tips

SLFCU staff in branches and at our Contact Center can answer your questions about our new online and mobile banking.

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Kirtland Branch Restricted Access Procedures

Members needing access to the SLFCU branch on Kirtland AFB must request and obtain a Defense Biometric Identification System pass.

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Smart Ways to Pay for College

What to do when school grants, scholarships and government loans don’t cover the costs of attending college.  

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Six Tips for Creating an Effective Budget

If you're building a new budget or updating an existing one, these tips could help you better manage debt.

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Save for a Down Payment with Online and Mobile Banking

SLFCU's online and mobile banking make it simple to create and track your progress toward saving for a down payment.

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An Estate Plan or a Wealth Transfer Strategy?

Basic estate planning documents may not communicate your intentions.

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Planning for Travel with Your SLFCU Credit or Debit Card

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.

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Teen Article: A Lesson in Giving

I will be making a tangible difference in our New Mexico community, and I know that someone’s life is improving. 

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Move Your Money to a Free SLFCU Checking Account

Our free checking accounts have no minimum deposit requirement, no monthly fees, and may pay dividends on balances of $500 or more.

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Lock Your Cards with Your Smartphone

Help protect your debit and credit cards from fraud.

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Build Your Credit and Your Future with Smart Debt

Bigger purchases in life can require financing, and to qualify, you’ll need to have a credit score. 

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More Convenience for Automatic Credit/Debit Card Payments

Beginning in October 2017, updated card information will be provided to billers that automatically charge your card.

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SLFCU Members Buy Their First Home

When Lesley and Kurtis Caldwell decided they were ready to buy a home, they turned to SLFCU for a quality mortgage and great service.

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Teen Article: The Value of Earning Your Own Money

I'm 14 years old, and while most of my friends slept late over the summer, I decided to get my first job.

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SLFCU Supports Habitat for Humanity

Greater Albuquerque Habitat for Humanity celebrated the groundbreaking of two new homes.

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2017 Scholarship Winners

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.

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SLFCU and KFCU No Longer Merging

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.

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Investing Basics for Teens

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

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Find Surcharge-free ATMs at Convenient Locations

SLFCU belongs to a nationwide network of nearly 30,000 surcharge-free ATMs.

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One Couple, Two Different Retirements?

After many years together, some retired spouses may find their daily routines far apart.

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Share the Benefits of Credit Union Membership

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.

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Teen Article: The Importance of Saving

Setting aside perfectly good spending money is the basis for a much broader world of opportunities.

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Printable Loan Payment Coupons

Now you can print loan coupons from SLFCU's website to mail with your loan payments.

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Edgewood Branch Meets Member Needs

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.

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Access SLFCU Accounts Wherever You Are

SLFCU offers all of the financial services you need, even if you are unable to visit or do not live near a branch.

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Take Advantage of Your Card's Many Benefits

Most credit and debit cards come with benefits that encourage consumers to choose that particular card over the other options available to them. 

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Family Finds Value for All Ages at SLFCU

The Maki parents make sure their kids have regular opportunities to think about saving and spending money.

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Ensure Direct Deposit Information is Current

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.

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What Do Teens Need to Know About Credit?

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.

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New Fixed Rate Mortgages with Low Down Payments

It’s a common misperception that lenders require a down payment of at least 20% of the price of the home.

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Avoiding Mail Theft and Check Fraud

Mail theft and check fraud are causing increased concern for individuals trying to keep their financial information safe.

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Tell Your Beneficiaries About Your Accounts and Policies

Will your heirs receive a fair share of your wealth?

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Online Help with Buying Your Next Car

SLFCU has resources to help you navigate the car buying process so you can make informed decisions.

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Meet Your Livermore Downtown Branch

For 33 years Livermore members of SLFCU were served by just one branch, located near Sandia National Laboratories’ Livermore site.

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Support for School: SLFCU Scholarship Recipient Provides Community Support

Caroline Stapleton was one of 12 recipients of SLFCU’s 2016 Scholarship.

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New Fixed Rate Mortgages are Serviced by SLFCU Staff

SLFCU now offers fixed rate mortgages that are processed, approved, closed, and serviced by SLFCU professionals.

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Keep Your Mobile Device Secure

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.

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Buying a Home: What to Save and How to Get There

There are three things you need to consider when saving for a home: a down payment, closing costs, and insurance and taxes.

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Protect Yourself from Online Sales Fraud

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.

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Teen Article: The Snowball Effect of Saving

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.

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Starting a Career

Starting a career can be an exciting time, and it’s important to think about what a steady income means for your financial goals. 

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MasterPass Simplifies Online Shopping

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.

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Teen Article: Weighing the Cost of College Tuition

Sierra Robinson is a senior at Eldorado High School in Albuquerque and the first winner of SLFCU’s teen article competition.

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Convenient Account Access When Traveling

Just because you're away from home doesn't mean you have limited access to your accounts.

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What Makes Up Your Credit Score?

If you want to see your credit score increase, there are several strategies to boost it. 

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Automated Phone Banking Provides An Individualized Experience

Call SLFCU's responsive phone system to check balances and history, make transfers, pay loans, and more.

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Minimize Risk of Identity Theft

Identity theft is a growing problem that is a potential risk to everyone. Take steps to reduce the chances of having your identity stolen.

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Budgeting Strategies for Kids and Teens

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.

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Preparing Your Accounts for the Future

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.

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Checking Account Questions Answered

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.

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Heading to College

For most people, college is the first time you'll be fully responsible for your finances. During college a budget is critical.

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Can You Afford a Home?

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?

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$2,000 of Insurance Coverage

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.

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Buying a New Car?

AutoSMART has the tools to guide you through the entire car buying process, saving you time and helping you make informed decisions. 

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Start Building Credit

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.

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Maintaining a Healthy Credit Score

Your credit score and credit report are typically reviewed by lenders before they’ll approve you for a loan. 

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5 Things to Look for in a Checking Account

It’s important to select a checking account that helps you meet your goals.

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Getting Married

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.

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What Data Breaches Mean for You and SLFCU

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.

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SLFCU Can Help in Difficult Situations

SLFCU offers solutions for managing difficult financial situations. You can rely on SLFCU to provide personal, caring service and professional guidance.

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Starting a Family

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.

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Mastercard Identity Theft Alerts

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.

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Credit Card Basics

A credit card allows you to borrow money to make purchases. You can make a large purchase and pay it off in small amounts. 

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How Much Can You Spend?

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.

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Avoid ATM Fees & Surcharges

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. 

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Improved Security with eStatements

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.

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Manage Money with Your Child

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.

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Car Shopping Tips

When buying a new car, there are a lot of things to keep in mind. The Credit Union National Association recommends these six tips:

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Pays Bills on Time in Online Banking

SLFCU's online banking will automatically determine how much lead time is needed to process and send your bill payments.

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Shop Safely Online

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.

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Managing Student Loans

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.

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Rent or Buy: What Makes Sense for You?

Many people are opting to delay buying a home in favor of renting in the short-term. However, the rental market is shifting.

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How Much Should You Pay for an Allowance?

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.

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Security Reminders for Your SLFCU Accounts

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.

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Money Management Strategies for Teens

Managing money wisely isn’t just a concern for adults – teenagers with jobs receive paychecks, and many high school graduates receive monetary gifts.

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Using Allowance as a Financial Tool

Here are some common approaches that some families take towards allowances.

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Consumer Tips for Data Breaches

Recent data breaches have caused intense concern from consumers. The Consumer Financial Protection Bureau recommends the following steps to protect yourself:

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Why Your Card May be Declined

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.

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Deposit Insurance

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.

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How to Get the Best Car Deal

There's more to getting a good deal on your next vehicle than just negotiating with a salesperson.

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Find Your Next Vehicle with AutoSMART

Shop online and compare prices for actual dealer inventory at AutoSMART.

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14 Household Budgeting Tips

Putting together a realistic and helpful budget can be harder than it looks. Here are 14 tips.

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Preventing Credit and Debit Card Fraud

As card fraud increases, so do SLFCU’s efforts to combat it. The safeguarding of our members’ cards is a top priority.

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Disputing Credit Report Errors

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.

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Tips for Improving Your Credit

If you're planning to get a loan or just want to strengthen your financial standing, improve your credit with these six tips.

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Members Often Ask: Savings Transfer Limits

Why am I limited to six unsigned savings withdrawals or transfers each month?

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Stick With SLFCU When You Move

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.

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Keep Cards Working During Travel

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.

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Depositing Checks from Home

Many SLFCU members have taken advantage of mobile deposit through online banking.

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Tips for Surviving the Post-College World

No more days and nights studying for exams and applying for scholarships. Now it's time for job hunting and paying student loans.

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