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Sandia Laboratory Federal Credit Union Sandia Laboratory Federal Credit Union Go to main content
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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. Learn more.

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How SLFCU Sets Rates

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.

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Teen Article: Stay Alert to Prevent Card Fraud

Since I was a little girl, my parents have drilled in the importance of being smart with money.  

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Avoid Checking Account "Oops" Situations

SLFCU can help you set up your checking account to avoid Non Sufficient Funds (NSF) fees, returned checks, and declined cards.

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Reduce Monthly Vehicle Payments with SLFCUs Financing Options

Some lenders have higher interest rates for used vehicles and on auto loans with longer terms. SLFCU is offering a low rate for any loan term, new or used.

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Members Ask, SLFCU Answers

SLFCU pays close attention to the responses to our member surveys, although we are unable to respond individually to most comments. Here are some answers to recent questions and comments.

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Meet Your Cottonwood Branch

SLFCU’s Cottonwood Branch opened nearly two decades ago, in 1998, and is the Credit Union’s second-largest location in terms of both employees and member transactions. 

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Do We Have Your Correct Email Address?

Email reaches you faster than paper communication, reduces SLFCU’s costs, and is better for the environment. And because mailboxes can be a target for identity thieves, email is safer, too.

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Teen Article: The Right Way to Both Save and Spend

As a teen it can be hard to know how to spend and also save at the same time. 

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Introducing Tech Park Branch Manager Mike Linton
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Annual Report 2016

In many ways, 2016 was a typical year for SLFCU — one of financial strength, new products and options for members, and upgrades that improved the security of your finances.

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Data Update Efforts Underway

In an effort to ensure the accuracy of our records, you may be asked to verify or update some of your personal information when you call our Contact Center or visit a branch.

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Business Members In Tune with SLFCU

SLFCU members Alexa James and Rory Partin are The ROAMies, an Americana-Folk-Pop band. “We sing about the ups and downs in a relationship and in life,” says Alexa.

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Meet Your Paseo del Norte Branch

Located at Paseo and Ventura, SLFCU’s Paseo branch was built in 2005.

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SLFCU and Kirtland Federal Credit Union Announce Merger Plans

Sandia Laboratory Federal Credit Union and Kirtland Federal Credit Union have announced that they are seeking a merger of the two institutions.

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Teen Article: Spend Less Than You Earn

The key to budgeting is understanding your expenses and how much you make.

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Comprehensive Financial Planning: What It Is, Why It Matters

Your approach to building wealth should be built around your goals and values.

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Reward Kids for Saving

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.

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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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SLFCU 2016 Scholarship Winners

Congratulations to SLFCU’s essay scholarship winners, and thank you to the 30 members who volunteered their time as judges. This is the 22nd consecutive year SLFCU has awarded scholarships.

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Is It Time for Life Insurance?

Important life events may call for it.

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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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Choosing the Right Account Type for Children

When opening a savings account for a child, it's important to consider what purpose the account will serve.

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Financing Your Vehicle

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.

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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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Your Credit Report: Why It's Important, How to Get a Copy

The Fair Credit Reporting Act requires that your credit report be made available to you for free.

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Life Stages: 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. Here are some things to consider when starting your career.

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Six Tips for Creating an Effective Budget

Implementing new habits into your financial routine can positively impact your finances. If you’re building a new budget or updating an existing one, these tips could help you better manage debt.

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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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Insurance Products for Credit Union Members

SLFCU partners with TruStage Insurance Agency to offer members competitive rates, quality products, and helpful advice without sales pressure. 

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CU@home On the Phone Provides An Individualized Experience

Call SLFCU to check balances and history, make transfers, pay loans, and more. The system provides options according to the accounts and loans you have. 

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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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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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Fundamental 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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Checking Account Questions Answered

Putting together a realistic and helpful budget can be harder than it looks. These are the top 14 tips that many Certified Financial Planner™ professionals share with their clients.*

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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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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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Life Stages: Heading to College

For most people, college is the first time you’ll be fully responsible for your finances. During college you often don’t have much money and the income you do have may vary, so a budget is critical.

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Managing Security Questions

CU@home Online is designed to be convenient and secure, and sometimes requires additional verification to help protect your privacy.

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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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Automate Your Savings

Manage your saving and spending money in your SLFCU account by making use of direct deposit, direct deposit distributions, and online transfers between accounts and loans.

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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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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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Life Stages: 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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CU@home Online Basics

CU@home displays two balances – Current Balance and Available Balance. On a day-to-day basis, the best number to use is your Available Balance. It takes into account your recent activity and your pending transactions. 

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Tips for Saving for a Down Payment

It may be easier than you think to save for a down payment. Some home buyers believe they need a much higher down payment amount than they actually do. 

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Life Stages: 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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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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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. Credit cards can be used worldwide and are often easier and safer than carrying cash.

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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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Tips for Building a Budget

Setting up a budget can help you manage the money you earn and develop a plan to meet your future goals.

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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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BillPayer Pays Bills on Time

SLFCU's BillPayer will automatically determine how much lead time is needed to process and send your bill payments. Your payment will arrive on the date you enter into the system.

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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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Your Family & Friends Can Join

As a member and owner of Sandia Laboratory Federal Credit Union, you get great service, competitive rates, and products designed to fit your financial needs.

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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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Life Stages: Caring for an Aging Relative

Being a caregiver for an aging or incapacitated relative or friend can be stressful and challenging.

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Use Your Real Email Address for Accounts

It's never a good idea to provide an incorrect email address or a version of your email address with a typo. What seems like a plausible fake email address may belong to someone else.

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How Can I 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 items like phone plans.

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Using Allowance as a Financial Tool

Allowances can have an impact by teaching basic financial knowledge and encouraging financial responsibility. Here are some common approaches that some families take towards allowances.

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Do We Have Your Email Address?

Email reaches you faster than paper communication, reduces SLFCU’s costs, and is better for the environment. And because mailboxes are a target for identity thieves, email is safer, too.

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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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Electronic Check Clearing

Things move a lot faster these days. If you write a check to make a purchase, there’s a good chance retailers will deposit your check electronically.

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14 Household Budgeting Tips

Putting together a realistic and helpful budget can be harder than it looks. These are the top 14 tips that many Certified Financial Planner™ professionals share with their clients.*

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Preventing Credit and Debit Card Fraud

As card fraud increases, so do SLFCU’s efforts to combat it. Card fraud costs financial institutions hundreds of millions of dollars each year. The safeguarding of our members’ cards is a top priority.

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Preventing Card Fraud

It's an unfortunate fact that card fraud is running rampant. As card fraud increases, so do SLFCU’s efforts to combat it. Card fraud costs financial institutions hundreds of millions of dollars each year.

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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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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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Members Often Ask: Savings Transfer Limits

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

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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 by scanning checks from their home computers or depositing checks via their mobile phones.

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Choosing Good Security Questions

Security questions and answers are an important part of keeping your financial accounts secure online, over the phone, and in person at the branch.

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Mortgages May Trigger Unsolicited Mail

If you’ve closed on a new or refinanced mortgage loan or Home Equity CreditLine, you’ve probably received multiple solicitations in the mail during the weeks after you obtained your loan.

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Tips for Surviving the Post-College World

For recent college graduates these are exciting and challenging times. 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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Think Twice Before Moving IRAs

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. 

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If You Cannot Pay Your Mortgage

If you don't pay your monthly mortgage payments over a period of time, the lender can foreclose. This means you will lose title to your property and may be evicted from your home.

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