About Sandia Area

Federally insured by the NCUA. An Equal Opportunity Lender. Membership eligibility required. Visit Sandia.org/Membership for complete details. Checking accounts subject to qualification and may require an opening balance. Advertised information and rewards are based on all account qualifications being met during each cycle period. Please refer to the Truth in Savings disclosures and rate schedule for complete details, restrictions, reward calculations, processing limitations, cycle dates, and enrollment instructions.

1. Peak PLUS High-Yield Checking Account Qualification Information: APY=Annual Percentage Yield. Rates effective as of 08/30/2024. Rates, rewards, and bonuses, if any, are variable and may change after account is opened. The Peak PLUS High-Yield Checking Account is a tiered rate account. If you meet the minimum qualification requirements during the monthly qualification cycle, the APY of 5.25% will apply on your balance of $15,000.00 and below; the annual percentage yield of 0.50% will apply on any balance of $15,000.01 or greater. If minimum qualifications requirements are not met, the entire balance will earn 0.05% APY. Dividends will be credited to your Peak PLUS High-Yield checking account on the last day of the current statement cycle. If you have a Peak PLUS High-Yield Savings Account, dividends earned on the Peak PLUS High-Yield Checking Account will automatically be transferred to your Peak PLUS High-Yield Savings Account; in that event dividends will not compound in the Peak PLUS High-Yield Checking account and will compound in your account as listed on the Rate Schedule. Earned rewards will be transferred to this account one day after end of cycle processing. 

You may qualify for monthly rewards if you meet the applicable minimum qualification requirements for the monthly qualification cycle. To meet the minimum qualification requirements, you must: 1) make 15 debit card purchases that post and settle to your account; 2) have one ACH credit or direct deposit settle to your account; 3) be enrolled to receive e-statements. The monthly qualification cycle is defined as the period beginning one calendar day prior to the first day of the current statement cycle through one calendar day prior to the close of the current statement cycle. 

2. APR = Annual Percentage Rate. Rate effective as of 03/04/2026 Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. Not all applicants will qualify for the lowest rate. All consumer loans are charged simple interest with no pre-payment penalty. Actual interest rate charged is based on credit history, age of vehicle and terms of the loan, which can only be determined upon receipt of application. Terms up to 84 months available. Up to 125% financing.

3. APR = Annual Percentage Rate. Rate effective as of  03/04/2026. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. “As low as” rate assumes excellent credit history. Not all applicants will qualify for the lowest rate. All consumer loans are charged simple interest with no pre-payment penalty. Actual interest rate charged is based on credit history, age of vehicle and terms of the loan, which can only be determined upon receipt of application. Terms up to 84 months available. Up to 125% financing.

4. APY=Annual Percentage Yield. Rate valid for balances of $500 or more. Rates effective as of 1/28/2026, subject to change without notice and assumes principal and interest remain on deposit for term selected. Dividends are compounded and credited to your account monthly. Fees may reduce earnings.

5. Peak PLUS Cash Back Checking Account: If you meet the minimum qualification requirements during the monthly qualification cycle,  you will receive 5.00% cash back on up to $200 in debit card purchases that post and settle to the account. A maximum of  $10 cash back may be earned per monthly qualification cycle. If you have a Peak Plus High-Yield Savings Account, cash back earned on your Peak PLUS Cash Back Checking Account will be deposited into your Peak PLUS High-Yield Savings Accounts. If you do not have a Peak PLUS High-Yield Savings Account, cash back earned will remain in your Peak PLUS Cash Back Checking Account.
You may qualify for monthly rewards if you meet the applicable minimum qualification requirements for the monthly qualification cycle. To meet the minimum qualification requirements, you must: 1) make 15 debit card purchases that post and settle to your account; 2) have one ACH credit or direct deposit settle to your account; 3) be enrolled to receive e-statements. The monthly qualification cycle is defined as the period beginning one calendar day prior to the first day of the current statement cycle through one calendar day prior to the close of the current statement cycle. 

6. Peak PLUS High-Yield Savings Account Qualification Information: APY=Annual Percentage Yield. Rates effective as of 08/30/2024. Rates, rewards, and bonuses, if any, are variable and may change after account is opened. The Peak PLUS High Yield Savings account is a tiered rate account and is available only to holders of a Peak PLUS High Yield Checking or Peak PLUS Cash Back Checking account. If you meet the minimum qualification requirements for your Peak PLUS High Yield Checking or Peak PLUS Cash Back Checking account during the monthly qualification cycle, the 3.00% APY will apply on any balance of $200,000.00 and below. The .50% APY will apply on any balance $200,000.01 or greater. Each dividend rate will apply only to that portion of the account balance within each balance range. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle for the Peak PLUS High Yield Checking or Peak PLUS Cash Back account, the .05% APY will apply to the entire balance in your Peak PLUS High-Yield Savings account.

7. ATM Refund Qualification Information: We will refund up to $6.00 per transaction and up to $25.00 per month in ATM fees assessed at worldwide ATMs we do not own or operate. ATM refunds will be paid on the last calendar day of the month. If you have a Peak PLUS High Yield Savings account, ATM fees refunded to you will be deposited directly into your Peak PLUS High Yield Savings account. If you do not have a Peak PLUS High Yield Savings account, fees refunded will remain in your Peak PLUS Checking account. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle, ATM fees will not be refunded to you.