Security Alert: We have received reports of fraudulent phone calls to SLFCU members regarding “special offers”. Learn more.
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Personal Finance & Savings
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Free Financial Education
SNL and SLFCU recently met to sign the Memorandum of Understanding between the two organizations.
Mail theft tends to increase over the holidays. Use these tips to reduce the chances of having your mail stolen.
Malicious software called ransomware can deny access to a computer system and its data until a ransom is paid.
SLFCU is partnering with Roadrunner Food Bank to collect non-perishable food for New Mexico families in need.
For potential ways to decrease your tax bill and/or build more wealth, ask yourself these questions before saying goodbye to 2019.
The New Mexico Credit Union Education Foundation (NMCUEF) is accepting scholarship applications for the 2020–2021 school year.
SLFCU teen member Simran Bhardwaj reflects on the trials and errors of trying to raise money for her high school club.
Make the most of your retirement savings by contributing the maximum yearly limit to your IRAs.
If you receive a call and are concerned that it may not be legitimate, please end the call and contact SLFCU directly.
Wire transfer requests must be submitted by 11:00 a.m. MT on December 24 and 1:00 p.m. MT on December 31.
Mastercard® is replacing their Identity Theft Alert program with a new, enhanced Mastercard ID Theft Protection™ service.
SLFCU members can once again use their Visa credit cards at Smith’s Food & Drug.
SLFCU is giving back $20 million in November to its members via a special dividend.
“People do business with people, not companies,” says Ken Ray, current CEO and founder of Raysteel, Inc.
Meet Taylor and her mom, Crystal. Taylor was admitted to the hospital and enrolled in the Mimbres school at the UNM Children’s Hospital.
If you’re planning to buy a new vehicle, carefully timing your shopping may help you secure the best deal.
SLFCU debit and credit cards may be able to detect unusual activity patterns and block transactions unless you take precautions.
Brett brings extensive experience crafting the credit union member experience to SLFCU.
SLFCU hosts semi-annual shredding event; SLFCU gives $20,000,000 back to our members.
As you get older, it’s important to think about your potential needs and whether long-term care insurance is right for you or a loved one.
Meet Monica Garcia-Roach, the full-time teacher at the Mimbres School – a state-accredited elementary and high school operating in a hospital setting.
Learn about the current real estate market in the Albuquerque, NM and Tri-Valley, CA areas.
With the holidays on the horizon, replacing an older vehicle and making the auto loan payments that come along with it might feel intimidating.
SLFCU teen member Mary Brannon explains why she believes teens should save money, even if they think they're too young.
Congratulations to the winners of our SLFCU Facebook Summer Photo Contest! They received a $100 gas card to help keep their adventures rolling.
As an SLFCU member, you can take advantage of personal financial management services through our collaboration with MEMBERS Financial Services.
Depositing a check is as easy as taking a picture of it on your smartphone, or visiting a CUAnytime ATM.
Congratulations to our 2019 scholarship winners, and thank you to the 24 members who volunteered their time as judges.
SLFCU is committed to raising $80,000 in 2019 to employ a full-time teacher for patients like Will who are admitted at the UNM Children’s Hospital.
Refinancing involves replacing your current mortgage with a new one, either from the same financial institution or a different one.
Extending your loan term can lower your monthly payments to fit within your budget.
SLFCU attends the Route 66 Run, Rally & Rock Parade, SLFCU Members Support APS Students
Meet Russell Wilson, the new branch manager at Paseo del Norte, and Seth Wilson, the new branch manager at Juan Tabo.
Life insurance can be useful, especially to support those who are (or may become) dependent on your income in the event of your death.
Shredding unneeded receipts, bills, and papers with personal information is one way to help protect yourself from identity theft.
Social media scams are on the rise and young individuals are being targeted regularly. Being a victim of any social media scam can impact your life for many years.
If you’re heading to college out of state, you can use SLFCU’s on-the-go resources to keep track of your finances no matter where life takes you.
Get answers to some of the most commonly asked questions about using our online and mobile banking system.
SLFCU employees volunteer at the 2019 National Senior Games; SLFCU Partners with SNL to sponsor NM Habitat for Humanity blitz build.
The first half of 2019 saw an increase in counterfeit card fraud related to skimmers, deep-insert skimmers, and shimmers across the U.S.
A Home Equity CreditLine could offer you a lower rate than other loan types.
A will is an instrument of power. By creating one, you gain control over the distribution of your assets.
SLFCU has a new feature that allows members who call our Contact Center to request a call back instead of waiting on hold.
In response to member feedback, SLFCU has created a universal transaction form that can be used for personal and business transactions.
Because members are our first priority, we focus on service and financial education, better rates, and lower fees.
Having an emergency savings account could help you cover the costs of unexpected expenses in the instance your income changes.
SLFCU has received reports that individuals purporting to be SLFCU employees are calling members and claiming money is owed to the Credit Union.
Whether you’re starting or returning to college, it’s a good idea to set up a plan so you can feel confident about your responsibilities.
Sandia Laboratory Federal Credit Union has been recognized as one of Forbes Magazine’s Best-in-State Credit Unions 2019.
SLFCU teen member Simran Bhardwaj talks about how she turned her baking hobby into a business.
Purchasing a home is exciting, but if you’re a first-time home buyer you’re likely to encounter many unfamiliar terms and concepts.
SLFCU is helping fund the NM Credit Unions Connected Academy to keep children learning while at UNMCH.
Whether they’re heading to college or just received their driver’s license, buying your teen their first vehicle can be exciting, yet overwhelming.
Being mindful about spending, and creating a savings goal now, can help keep your finances on track.
SLFCU’s Savings Laboratory® is an exciting way for kids 12 and younger to learn about saving money.
New members are asked to select a code word when opening an SLFCU account as an additional means of identification.
Sandia National Laboratories kicks off its annual school supply drive on July 1 (ending August 7).
SLFCU has a new feature that allows members who call our Contact Center to request a call back instead of waiting on hold for the next available representative.
Mariah explains why saving your money is a wiser choice than spending it, and how SLFCU's Savings Laboratory® Program encouraged her to save.
In many situations, refinancing your auto loan can help you meet your financial goals or save you money.
If you or your student experiences a gap between your funding and the cost of college, here are a few options you can explore.
Many fraudsters use the internet as a source for personal data to help them commit fraud. Are you confident your information is protected?
Learn about the current real estate market in the Albuquerque and Tri-Valley areas.
We have performed a number of updates to our new online and mobile banking system to ensure it is meeting the needs of our members.
Members needing access to the SLFCU branch on Kirtland AFB must request and obtain a Defense Biometric Identification System pass.
Peace of mind for your auto loans, credit cards, and signature loans.
June is National Elder Abuse Awareness month and is a great time to talk with your family members about their future plans.
SLFCU's online and mobile banking make it simple to create and track your progress toward saving for a down payment.
SLFCU’s Savings Laboratory® Program is an exciting way for kids 12 and younger to learn about saving money.
SLFCU allows members in good standing to skip up to two payments on select loans in any rolling 12-month period.
Based on member feedback, we have implemented an online banking enhancement allowing joint owners on personal accounts the ability to see and transact on those accounts in online banking.
Product ID, formerly “type and suffix,” is the four-digit number that identifies SLFCU members’ sub-accounts, such as individual savings, checkings, term certificates, etc.
SLFCU’s automated phone banking system gives members 24/7 access to their accounts. It is designed to provide options based on your specific accounts.
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.
If you’re thinking about buying a new or used vehicle, financing it through SLFCU is easier than you may think.
Bad things happen to the best of us – and they usually come in waves. In instances like these, it’s important to have a financial life preserver in the form of an emergency cash fund.
Members of SLFCU attending college in 2019-2020 are invited to enter our annual essay scholarship competition.
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 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.
SNL Livermore sought out SLFCU to help ease their employees' California home buying 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.
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.
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.
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.
When you register with the HomeAdvantage® program, you can take advantage of many home buying benefits.
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.
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.
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.
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.
SLFCU staff in branches and at our Contact Center can answer your questions about our new online and mobile banking.
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.
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.
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.
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.
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.
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.
Setting up a budget can help you manage the money you earn and develop a plan to meet your future goals.
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.
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 necessary to become financially stable or independent, it may provide benefits to someone looking for a smart way to grow their extra cash.
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.
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.
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.
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.
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?
For most people, college is the first time you'll be fully responsible for your finances. During college a budget is critical.
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.
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.
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.
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.
Putting together a realistic and helpful budget can be harder than it looks. Here are 14 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.