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Please log in using your online banking credentials. Select More > More.. > Quick Apply to begin your application. If you'd like to continue with your application without logging in, click here to apply.
Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
Please log in using your online banking credentials. Select More > More.. > Quick Apply to begin your application. If you'd like to continue with your application without logging in, click here to apply.
Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
Please log in using your online banking credentials. Select More > More.. > Quick Apply to begin your application. If you'd like to continue with your application without logging in, click here to apply.
Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
Please log in using your online banking credentials. Select More > More.. > Quick Apply to begin your application. If you'd like to continue with your application without logging in, click here to apply.
Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
SLFCU credit cards fit your lifestyle and budget, with:
Low rates
No annual fees, penalty rates, or balance transfer fees
Contactless “tap to pay” and mobile wallet functionality
Real-time 24/7 fraud alerts and chip security
Apply online, call us at 505.293.0500 or 800.947.5328, or visit a branch to get started.
Special Offers
2.99% APR FOR 12 MONTHS ON BALANCE TRANSFERS
Consolidate and transfer high-interest balances from other cards to a new SLFCU credit card! Get a 2.99% introductory APR on balance transfers for 12 months with no balance transfer fee when you open a new Visa Platinum® Value card.1
GET A $100 CREDIT
Apply for a new SLFCU Visa Signature® or Visa Platinum Rebate credit card and once approved, get a $100 statement credit if you spend $1,500 on purchases in the first 90 days!2
VISA SIGNATURE
With a 1.50% monthly rebate on purchases, and premium benefits, this is Visa's most elite card. See the application disclosure and card agreement.
Get a $100 credit! Apply for a new SLFCU Visa Signature card and once approved, get a $100 statement credit if you spend $1,500 on purchases in the first 90 days.2
If you carry a balance or want to consolidate balances from higher-rate cards, the Visa Platinum Value card offers our lowest rate. See the application disclosure and card agreement.
Looking for a rebate card with a lower credit limit? The Visa Platinum Rebate card offers a 1.00% monthly rebate on purchases. See the application disclosure and card agreement.
Get a $100 credit! Apply for a new SLFCU Visa Platinum Rebate card and once approved, get a $100 statement credit if you spend $1,500 on purchases in the first 90 days.2
SLFCU’s Visa Platinum® Value Secured card can help you establish or rebuild your credit – with no credit score needed to apply! Open your card account with a deposit of $300 or more, then use it to establish a positive payment record and manage your credit responsibly. See the application disclosure and card agreement.
Add your credit card details to your mobile wallet and start using your card before it arrives in the mail! With your card stored in a mobile wallet and the SLFCU mobile banking app, you have constant access to your card details, eliminating the necessity to carry the physical card.
ADDING YOUR SLFCU CREDIT CARD TO YOUR MOBILE WALLET IS EASIER THAN EVER
We've made it quick and convenient to use your cards on the go! Add your SLFCU credit cards to your favorite mobile wallet directly from our mobile app. Ensure you're using the latest version of the app and select a mobile wallet below to get started.
Learn more about the latest in online checkout with Mastercard or Visa.
VIEW YOUR CARDS DIRECTLY IN ONLINE BANKING AND OUR MOBILE APP!
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*Only compatible with select Visa, Mastercard, American Express, and Discover cards from participating banks and qualifying Samsung devices. Check with your bank/issuer to ensure that your card is compatible, and check the Samsung Pay Support page for additional compatibility information regarding devices, carriers, and cards. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
Card Controls
CARD CONTROLS
SLFCU offers an easier way to manage your SLFCU debit or credit card – right in online or mobile banking. Turn your cards on or off, set alert preferences, and more with our Card Controls widget.
Features include:
Instantly turn your debit or credit card on or off to control when they can be used.
Get notified when your card(s) are used or declined.
Report your credit card lost or stolen and request a replacement card.
Submit travel notifications for your SLFCU credit card.
Transfer balances from other higher interest rate credit cards.
Start using these exciting features today! Log in to online or mobile banking and click on the Card Controls widget. Select the card(s) you wish to manage and complete the quick registration. Want to learn more? Read answers to Frequently Asked Questions at slfcu.org/CardControls.
12.99% introductory APR for 12 months from the first qualifying transaction on balance transfers completed within the first 90 days after opening a Visa Platinum Value account. After that, you will be charged the standard APR for balance transfers. As of April 1, 2024, this rate is current and subject to change: 14.25% to 16.75% APR for Visa Platinum Value. APR will vary with the market based on the Prime Rate. Introductory APR is valid only for balance transfers from other credit card companies, financial institutions, or department store credit cards. You can't transfer balances to pay off other accounts issued by Sandia Laboratory Federal Credit Union. You should not initiate a balance transfer in the amount of any disputed purchase or charge, as you may lose your rights to dispute that purchase or charge. You must continue to make your required monthly payments to the issuer/merchant until you receive a statement from the issuer/merchant reflecting the balance transfer payment. SLFCU will not be responsible for any finance charges or late fees you incur on your other account as a result of a balance transfer request. We will not close your other accounts, even if you transfer the entire balance – please contact other creditors directly. Balance transfer requests may not exceed your available credit at the time we receive your request. Your accounts at SLFCU must be in good standing at the time the balance transfer offer is processed. Cash-back rebates are not earned on balance transfers. Any balance transfers processed after the promotional period will incur finance charges at the standard Balance Transfer rate.
2To be eligible for the $100 statement credit, $1,500 in net purchases (i.e., purchases minus credits and returns) must be made with your SLFCU VisaSignature® or Visa Platinum® Rebate credit card within 90 days of new account opening. Account must be open and in good standing at the time credit is awarded to receive the credit. These transaction types do not count as purchases: balance transfers, cash advances, checks that access your account, fees assessed by SLFCU, quasi-cash items (e.g., casino chips), cash equivalents (e.g., money orders), and purchases made using a Personal Identification Number (PIN). Each account is eligible for one statement credit of $100. Please allow up to four weeks after spending $1,500 to receive the credit.
13.75% to 16.25% Visa Platinum® Value 16.00% to 18.00% Visa Platinum® Rebate 15.75% Visa Platinum® Value Secured 16.50% to 18.00% Visa Signature®
These APRs will vary with the market based on the Prime Rate.
APR for Balance Transfers
Visa Platinum® Value: 2.99% introductory APR for 12 months from the date of the first qualifying balance transfer within 90 days of account opening. After that date, APR will reflect the rate below.
13.75% to 16.25% Visa Platinum® Value 16.00% to 18.00% Visa Platinum® Rebate 15.75% Visa Platinum® Value Secured 16.50% to 18.00% Visa Signature®
These APRs will vary with the market based on the Prime Rate.
APR for Cash Advances
Same APR for purchases.
Penalty APR and When it Applies
None
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge
None
Annual Fees
None
Transaction Fees
Balance transfer
None
Cash advance
$5
Foreign transaction
1% of each transaction in US dollars.
Penalty Fees
Late payment
Up to $25
Returned payment
Up to $25
Over-the-Credit-Limit
Up to $25
Variable Rate: The annual percentage rate for each card is subject to change semi-annually on the first day of the billing cycle to reflect any change in the Index and will be determined by the Prime Rate as listed in the "Money Rates" section of The Wall Street Journal on the last business day of March and September, to which we add a margin. Any increase in the annual percentage rate will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.
Margin: For the Visa Platinum Value card, Purchases, Balance Transfers, and Cash Advances will be charged at 5.65% above the Index. For the Visa Platinum Rebate card, Purchases, Balance Transfers, and Cash Advances will be charged at 7.90% above the Index. For the Visa Signature card, Purchases, Balance Transfers, and Cash Advances will be charged at 7.40% above the Index.
To report a lost or stolen credit card, call 866.820.4924. If you receive a call regarding a blocked transaction on your personal credit card, call 888.918.7313.
Apply in
3
Steps
Already an SLFCU Member?
Log In to Online Banking
Please log in using your online banking credentials. Select More > More.. > Quick Apply to begin your application. If you'd like to continue with your application without logging in, click here to apply.
Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.