Current Loan Rates
| Term in Months | APR2 as low as |
|---|---|
| 1-36 | 5.79% |
| 37-48 | 6.29% |
| 49-66 | 6.59% |
| 67-75 | 6.79% |
| 76-84 | 7.29% |
| Term in Months | APR1 as low as |
|---|---|
| 1-36 | 4.99% |
| 37-48 | 5.59% |
| 49-66 | 5.89% |
| 67-75 | 6.09% |
| 76-84 | 6.59% |
Sandia Area membership required for all loans. Other rates, terms and model years available. 1. APR=Annual Percentage Rate effective as of 12/20/2023. 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. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 100% financing available for qualified applicants. | |
| Term in Months | APR1 as low as | Approximate Payment2 |
|---|---|---|
| 36 | 6.79% | $615 |
| 48 | 7.29% | $481 |
| 60 | 7.59% | $401 |
| 72 | 7.89% | $349 |
Sandia Area membership required for all loans. Other rates, terms and model years available. 1. APR=Annual Percentage Rate effective as of 08/16/2023. 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. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 100% financing available for qualified applicants. 2. Payment example based on $20,000 loan. | ||
| Term in Months | APR1 as low as | Approximate Payment2 |
|---|---|---|
| 36 | 7.49% | $622 |
| 60 | 7.49% | $400 |
| 72 | 7.99% | $350 |
| 84 | 7.99% | $311 |
| 120 | 8.29% | $245 |
| 144 | 8.49% | $221 |
| 180 | 8.79% | $200 |
| 240 | 8.99% | $179 |
Sandia Area membership required for all loans. Other rates, terms and model years available. 1. APR=Annual Percentage Rate effective as of 09/20/2023. 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. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 100% financing available for qualified applicants. Only self-contained recreational units are eligible for up to 240 month term or 180 month term. Minimum loan amount for 180 and 240 month term is $70,000. Vehicle Loan example: monthly payment of $400 on a $20,000 loan for 60 months at 7.49% APR 2. Payment examples based on $20,000 loan. 3. National Parks Pass is received on the closing of an RV loan for $15,000 or more. | ||
| Term in Months | APR1 as low as | Approximate Payment2 |
|---|---|---|
| 36 | 6.99% | $617 |
| 48 | 7.49% | $483 |
| 60 | 7.99% | $405 |
| 72 | 8.29% | $353 |
| 84 | 8.49% | $316 |
Sandia Area membership required for all loans. Other rates, terms and model years available. 1. APR=Annual Percentage Rate effective as of 09/20/2023. 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. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 100% financing available for qualified applicants. 2. Payment example based on $20,000 loan. | ||
| Term in Months | APR1 as low as | Approximate Payment3 |
|---|---|---|
| 120 | 6.75% | $230 |
| 180 | 7.00% | $180 |
| Federally insured by NCUA. An Equal Opportunity Lender. Membership eligibility required. Visit Sandia.org/Membership for complete details. 1. APR=Annual Percentage Rate. Rate effective 01/10/2024, and subject to change without notice. New Sandia Area loans only. Subject to credit approval. Rates are based on an evaluation of credit history and lien position. “As low as” rate assumes excellent credit history and first lien position. Your rate may differ. Maximum loan amount is $200,000 and maximum LTV is 80%. 2. Closing costs associated with this product are waived for loan amounts up to $150,000 in the counties of Bernalillo, Valencia, Santa Fe, Sandoval, Torrance, Cibola, and Dona Ana on primary residences with clean title history. Loans over $150,000 are subject to property appraisal, flood certification, recording fees and title insurance, which generally range from $1,467 to $1,600. Borrower is responsible for homeowners’ insurance and, if required, flood insurance. Loans over $200,000 will be reviewed on a case-by-case basis. 3. Payment example assumes $20,000 loan. | ||
| Term in Months | APR1 as low as | Approximate Payment2 |
|---|---|---|
| 180 | 9.00% | $203 |
| Federally insured by NCUA. An Equal Opportunity Lender. Membership eligibility required. Visit Sandia.org/Membership for complete details. Home Equity Line of Credit is a revolving credit line. Maximum loan amount is 90% LTV for 180 months up to $200,000. Loans over $200,000 will be reviewed on a case-by-case basis. Term of 180 months consists of 5-year draw period followed by 10-year repayment only period. Borrower is responsible for homeowners’ insurance and, if required, flood insurance. 1. APR = Annual Percentage Rate. Rate effective 12/13/2023, and subject to change without notice. New Sandia Area loans only. Subject to credit approval. Rates are based on an evaluation of credit history and lien position. “As low as” rate assumes excellent credit history and first lien position. Your rate may differ. Home Equity Line of Credit is a variable APR (Annual Percentage Rate) based on the value of an index plus a margin and is subject to increase. The index is the NY Prime Rate published in the Money Rates column of the Wall Street Journal and is 8.50% as of 07/28/2023. When a range of rates has been published, the highest rate will be used. The current margin could range between 0.50% - 1.50% and is subject to change based on your credit score. The HELOC has a floor of 3.75% and a ceiling of 18.00% and will change by no more than 0.25% per month. 2. Closing costs associated with this product are waived for loan amounts up to $150,000 in the counties of Bernalillo, Valencia, Santa Fe, Sandoval, and Torrance on primary residences with clean title history. Loans over $150,000 are subject to property appraisal, flood certification, recording fees and title insurance, which generally range from $1,467 to $1,600. Borrower is responsible for homeowners’ insurance and, if required, flood insurance. 3. Home Equity Line of Credit payment example assumes $20,000 loan with an owner-occupied property. | ||
| LOAN PROGRAM | Term in Months | APR1 as low as |
|---|---|---|
| Share Secured2 | CALL | CALL |
| Line of Credit3 | 36 | 14.00% |
| Land Loan | CALL | CALL |
Sandia Area is an Equal Opportunity Lender and membership is required. All loans are subject to credit approval. Rates and programs are subject to change without notice. We reserve the right to remove at any time. 1. APR=Annual Percentage Rate. All loans, terms, and conditions are subject to credit approval. “As low as” rate assumes excellent credit history. Actual interest rate charged is based on credit history, which can only be determined upon receipt of application. 2. Rates are accurate as of 07/22/2000 and are subject to change without notice. For Share Secured Loans, the annual percentage rate will be the current share dividend rate (Index) in effect on deposits of at least $5,000 plus 3.0% (margin). The rate is subject to change monthly on the 1st day of each month to reflect any change to the index. Share Secured Loan example: monthly payment of $25 on a $2,500 loan for 120 months at 3.00% APR. 3. Rates are accurate as of 09/20/2023 and are subject to change without notice. Line of Credit is a variable APR (Annual Percentage Rate) based on the value of an index plus a margin and is subject to increase. The index is the NY Prime Rate published in the Money Rates column of the Wall Street Journal and is 8.50% as of 07/28/2023. When a range of rates has been published, the highest rate will be used. The current margin is 5.5% and is subject to change. | ||
| CREDIT CARD PROGRAM | Annual Fee, Balance Transfer or Cash Advance Fee2 | APR1 2 |
|---|---|---|
| World Rewards Mastercard® Variable | None | 11.74% - 17.99% |
| World Rewards Mastercard ® Traditional | None | 11.49% - 17.99% |
| Rewards Mastercard ® Variable | None | 11.74% - 17.99% |
| Rewards Mastercard ® Traditional | None | 11.49% - 17.99% |
| Permaculture Mastercard ® Variable | None | 10.24% - 17.99% |
| Permaculture Mastercard ® Traditional | None | 8.74% - 17.99% |
| Mastercard ® Variable | None | 10.24% - 17.99% |
| Mastercard ® Traditional | None | 8.74% - 17.99% |
| Secured Mastercard ® | None | 11.50% - 17.50% |
Sandia Area membership required for all loans. 1. APR=Annual Percentage Rate accurate as of 07/28/2023 and are subject to change without notice. All loans, terms, and conditions are subject to credit approval. Actual interest rate charged is based on credit history which can only be determined upon receipt of application. | ||
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