Thanks for choosing Sandia Area for your new loan! Whether you’ve been a member for years or this is our first adventure together, we’re thankful for your membership and can’t wait to see where we go from here.

Get Connected

While you enjoy your 90 days with no payments, let’s get you connected with your account and all ready for your first payment!

What's Next

Vehicle Protection

In the face of a job loss, injury, or other major event, the last thing you want to worry about is making your loan payments or paying for major repairs.1

Explore budget-friendly options to protect your family.

  • Guaranteed Asset Protection (GAP) This important coverage could be critical in the face of a total vehicle loss.
  • Mechanical Repair Coverage Vehicle service can be costly. Mechanical Repair Coverage could save your thousands.
  • Debt Protection If you find yourself injured or out of work, Debt Protection coverage could lower or even eliminate your loan payments.

Get Started

Vehicle Protection


Checking Accounts


Welcome to TRULY FREE CHECKING with Sandia Area! Now is the time to make the switch to better banking. You could even get paid up to two days early!2


Choose your checking now!

Learn More



Credit Cards

Special Offers!

Open a new Sandia Area Low-Rate Mastercard and enjoy 2.99% APR3 on every purchase for 12 months!4

Or, open a new Rewards or World Rewards Mastercard and you’ll receive 10,000 bonus points when you spend $1,500 in the first 90 days.5


Credit Cards



Fenerally Insured by NCUA, Equal Opportunity Lender. 

1. Restrictions apply. Visit for complete details

2. Checking accounts subject to qualification and may require an opening balance. A Sandia Area Membership is required. These are summary descriptions only. Additional terms, conditions, restrictions and exclusions may apply. Please refer to the Truth in Savings disclosures and rate schedule for complete details. Debit card for a minor may require a parent or guardian as a joint owner on the account. 

3. APR = Annual Percentage Rate. Rates and programs are subject to change without notice. 4. The 2.99% APR introductory offer is good for new low-rate cards only and is only available on new purchases performed within the first 12 billing cycles from the account opening date for new accounts or the first date of the new billing cycle for upgraded account. The 12-month 2.99% APR period for new purchases begins on the date of the first transaction performed during this period and continues until the end of the 12th billing cycle of the first transaction for that category. Beginning the 13th billing cycle, the APR on your account will convert to your normal purchase APR given upon approval. Balance transfers do not qualify for the 2.99% APR introductory offer. 5. Introductory 10,000 bonus points offer applies when $1,000 is spent on card within the first 90 days of account opening. Upon meeting this requirement, bonus points will be automatically deposited into your rewards account. Restrictions apply and program is subject to change without notice. 

These are summary descriptions only. Additional terms, conditions, restrictions and exclusions may apply. See your Guide to Benefits or World Card Guide to Benefits, contact Sandia Area for complete coverage terms and conditions or call 1-800-MASTERCARD for assistance. See for details on Zero Liability. See Travel Accident Insurance with Baggage Delay guide for information on the program. 

Mastercard, Priceless and the Mastercard brand mark are registered trademarks and Mastercard Global Service, Mastercard Airport Concierge and Fuel Rewards Network are trademarks of Mastercard International Incorporated, used pursuant to a license. 

All credit cards subject to credit approval. See important terms and conditions. 

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