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SCAM ALERT: Sandia Area members are continuing to report fraudulent phone calls and text messages from people claiming to be Sandia Area member representatives. This includes spoofed phone numbers which appear to originate from Sandia Area. Please be aware that Sandia Area will NEVER initiate a phone call or text message asking for your online banking credentials or to request a transfer of funds. Learn more ► 

Loan Payment Center

Safe, convenient ways to make your loan payments

Is your checking account with Sandia Area?

If your payment account is with Sandia Area, you have several convenient ways to make your loan payments.

Set up automatic payments in Online Banking

Make your loan or credit card payments from your Sandia Area checking account online with a recurring transfer from your checking or savings account within Online Banking.

Direct Deposit or Payroll Deduction

You can allocate a portion of your Direct Deposit or Payroll Deduction to automatically pay your loan amount each month. You can get the process started by printing and completing the Direct Payment Authorization Form. Then stop by any branch location or call 505.292.6343, or 800.228.4031 and speak with a friendly Member Services Representative.

Pay by Check with the Mobile App

View the tutorial.

Pay by Mail

PO Box 18044

Albuquerque, NM 87185-0044

Print and download Loan Payment coupons

If you would like a loan coupon to accompany your monthly payments to Sandia Area, you can generate and print them here ►

Is your checking account with another financial institution?

Make your loan payment using funds from a checking/savings account at another institution with our convenient Online Payment Center.



Important Information:

Our online payment center has been upgraded. You now have two convenient ways to pay!

Payments made through Sandia Pay Now include an Automated Payment convenience fee of $10 per payment.


Existing Users of the online payment center will have to re-register to use the upgraded service. Once you are registered you will enjoy all the same benefits.

To register, you will need:

  • Your Sandia Area member number
  • Your first and last name
  • The last 4 of your SSN
  • Your date of birth

Express Pay

Need to make a payment in a hurry? To make a payment with Express Pay, simply input your:

  • Sandia Area member number
  • Your first and last name
  • The last 4 of your SSN

If you would like to pay your Sandia Area credit card, please log in to online banking at

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