This page uses JavaScript. Your browser either does not support JavaScript or you have it turned off. To see this page properly please use a JavaScript enabled browser.
Sandia Area Go to main content

Protecting our members, employees, and communities

Your health and well-being is our top priority. We take the risks associated with the coronavirus seriously, and are following measures purposefully designed to provide an uninterrupted, safe banking experience for you and our employees.

Changes for Individual Retirement Accounts

The Coronavirus Aid Relief and Economic Security (CARES) Act includes some changes to your Individual Retirement Accounts (IRA). You may elect to waive your Required Minimum Distribution (RMD) for 2020. The deadline to make a contribution for the 2019 tax year has now been extended to July 15, 2020. Due to these changes, there will be a delay in receiving your 5498 tax form. For more information, please contact us, via chat by selecting the chat icon (on the bottom right hand side of your screen), email at or by texting or calling us at 505.292.6343.  

Economic Stimulus Checks

Many members will see the upcoming federal stimulus payment come into their Sandia Area account as a direct deposit starting April 15. Those members who did not have their tax refund set up as a direct deposit will instead receive a paper check for their stimulus payment that will come in the next few weeks. Remember that the IRS will never call you asking to verify or provide your financial information so that you can receive payment. For updates directly from the IRS -

At Sandia, Service Still Comes First

As we continue to navigate these unprecedented times, it is our top priority to safely meet your financial needs, while maintaining the services you count on. If you have been financially impacted by the rapidly changing COVID-19 situation, please reach out to us to find out how we may be able to best help you.  

Starting on May 26th our branches willl be open for teller transactions, an appointment will be required to meet with a Member Services Officer. We have increased safety measures, including social distancing, germ guards, and lower capacity limits. In alignment with current state regulations, please wear a mask or face covering during your visit.

The simplest way for you to access your accounts is through our online banking and mobile banking apps. They are available 24/7 to complete many day-to-day banking tasks. Signup is easy and viewing balances, transactions, transferring funds, paying bills or sending money to someone else is simple, easy and cost effective. Here are some other ways for you to stay in contact with us:

Sandia Area is a Federally Insured financial institution- all of your funds on deposit at Sandia Area are safe, insured, and readily accessible when you need them. Our ATM networks, debit and credit card systems, and online and mobile banking platforms, function twenty-four hours a day, and are protected by a myriad of backup systems and methods.

Due to the Covid-19 Pandemic, Sandia Area is waiving your minimum payment due for any Sandia Area Mastercard® on your upcoming payment date. Any member with a Sandia Area Mastercard who is not more than 30 days delinquent, or has not been delinquent more than five (5) times in the last 12 months is eligible. You will not need to do anything, and the payment waiver will be reflected in your next statement. If you would still like to make a payment on your credit card, you are able to, but it is not required this month. If you do not qualify, but need payment assistance, please fill out the form below.

We know that sometimes people experience difficulty making their payments and we are here to help. We may be able to assist you by allowing you to defer a payment.

Deferring a payment:

  • Temporarily pauses the monthly payment due
  • The regular payment amount due will resume once the deferment date has passed

To assist you during this time, Sandia Area:

  • Does not charge a fee for deferring a payment
  • Will not report the deferred payments to the credit bureaus

If you need to request a payment deferral, please complete the form below. If approved, we will process your request for a 60 day deferral of your payment. You can also submit a request by texting us at: 505.256.6062 and answering the series of questions via SMS.

The processing time is approximately 48 business hours from the time you complete the request. If additional information is required, a member of our special accounts team will reach out to you via the phone number or email address that you provide.

* Required Fields
Date I Anticipate Being Back to Full Time Employment:
 /   / 
Security Code:

Our branch lobbies reopened on May 26, 2020. We are using increased safety measures, including: social distancing, germ guards, and lower capacity limits to safeguard members and employees. Our safety precautions are continually evolving as updated coronavirus information becomes available. To ensure the well-being of our members, our employees, and our communities,  please note the following.

  • Appointments are required to meet with a Member Services Officer. Schedule your appointment here.
  • Our drive-thrus, ATMs, online and mobile banking, and eLobby are available for your convenience.
  • When visiting a branch please bring your driver's license or official photo ID to confirm your identity.
  • In alignment with state regulations please wear a mask or face covering during your lobby visit.
  • Sandia Area employees are wearing masks, regularly washing their hands, using hand sanitizer, and frequently cleaning the lobbies. In addition, we are monitoring the health of our employees.


Call Center
Monday - Friday 8AM - 6PM, Saturday 9AM - 1PM

Candelaria, Far NE Heights, Montgomery, Westside, and Rio Rancho
Lobby: Monday - Friday 9AM - 5PM, Saturday 9AM - 1PM - Schedule an appointment
Drive Thru: Monday-Thursday 9AM - 5PM, Friday 9AM - 6PM, Saturday 9AM - 1PM

Kirtland AFB (base access is limited)
Monday - Friday 9AM - 5PM  - Schedule an appointment

Santa Fe
Monday - Friday 9AM - 4PM - Schedule an appointment

Go to main navigation