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If you have a need, we have a loan solution.

It's YOUR money... MOVE it!

Thanks for applying for a loan. Before we continue, please tell us a little about your needs.

Start Over
Tell me a little more...
I am a homeowner.
I do not own my home.
What will you be applying for?
I am purchasing or refinancing a vehicle (car, truck, van, motorcycle, boat, RV, etc.)
I am moving, buying an house, or refinancing my mortgage.
I am renovating, remodeling or fixing up my home
For a purpose not listed
Are you purchasing a vehicle or refinancing one?
Purchasing
Refinancing
Tell me more...
It is a car, truck or van.
It is a motorcycle.
It is a recreational vehicle (RV, camper, motor home, or even a trailer).
It is marine equipment (a boat, jet ski or other watercraft).
Tell me more...
I am refinancing a car, truck or van.
I am refinancing a motorcycle.
I am refinancing a recreational vehicle (RV, camper, motorhome, or even a trailer).
I am refinancing marine equipment (a boat, jet ski or other watercraft).
Tell me a little more...
I want to refinance my home loan and save money!
I am buying my first home!
I am moving and purchasing a new home.
Tell me more...
Something personal.
I would like to set up an overdraft line of credit for my checking account.
I can accomplish what I need with a credit card.
I want to consolidate some debt.
Are you a homeowner?
Yes.
No.
Which one describes what you want in a credit card most?
I want rewards for everyday spending.
I want lower rates because I carry a balance.
I want to build or rebuild credit.
Is this a one-time expense or would you like to have funds available on an ongoing basis?
It is a one-time expense.
I would like to have access to funds whenever I need it.
Which describes your situation best?
My project is complex. I need access to available credit to pay multiple parties.
My project is simpler. I prefer to pay in one lump sum.
My project is somewhat simple.
Reality Checking
Reality Checking

We recommend Reality Checking.

You're between 16 & 25 and want to claim your financial independence with a free account loaded with benefits. Learn more ►

  • Next, would you prefer to visit a branch location and let us help guide you through every step of the process to make your switch easy?
  • Or would you rather take a more hands-on approach and open your account online?

Open in a branch ►

Open online Now ►

Premier Checking
Premier Checking

We recommend free Premier Checking.

You want a simple, no-worries account. And, yes. It is free. Learn more ►

  • Next, would you prefer to visit a branch location and let us help guide you through every step of the process to make your switch easy?
  • Or would you rather take a more hands-on approach and open your account online?

Open in a branch ►

Open online Now ►

Performance Checking
Performance Checking

We recommend Performance Checking.

You want to earn interest and don’t mind keeping a balance. Learn more ►

  • Next, would you prefer to visit a branch location and let us help guide you through every step of the process to make your switch easy?
  • Or would you rather take a more hands-on approach and open your account online?

Open in a branch ►

Open online Now ►

Green Checking

Based on your answers, we think Green Checking would be a great fit. See how ►

Learn More ►       Apply Now ►

Senior Checking
Senior Checking

We recommend Senior Performance Checking.

You’re 50 or better and want a dividend while enjoying no monthly fee. Learn more ►

  • Next, would you prefer to visit a branch location and let us help guide you through every step of the process to make your switch easy?
  • Or would you rather take a more hands-on approach and open your account online?

Open in a branch ►

Open online Now ►

Sandia Area World Rewards MasterCard
Sandia Area World Rewards MasterCard
Rewards Mastercard
Rewards Mastercard

Earn Rewards for Everyday Purchases

Redeem your rewards for merchandise, airline tickets, cruises, hotel stays and more.  With a Sandia Area Mastercard you'll enjoy.

  • No annual fee
  • No cash advance or balance transfer fees
  • Identity theft resolution services
  • Plus you'll get benefits that only come with a Mastercard

Apply now ►      Learn more ►

Mastercard
Mastercard

Sandia Area MasterCard

Convenience, worldwide acceptance and an everyday low rate.

  • Low introductory offer
  • No annual fee
  • No balance transfer or cash advance fees
  • Save when you transfer higher rate balances

Apply now ►       Learn more ►

Sandia Area Permaculture MasterCard
Sandia Area Permaculture MasterCard
Secured Mastercard
Secured Mastercard

On track and moving forward.

Get most of the same benefits and convenience of our other cards while building or rebuilding your credit history with every use.

  • Your credit line is tied to the money in your savings - between $500 and $2,000.
  • Make monthly payments on time and you will start to build or rebuild credit.

Apply now ►      Learn more ►

Car, truck or van purchase
Car, truck or van purchase

You've come to the right place!

We do auto loans fast, friendly, and at extremely low rates. All decisions are made here, not by someone at some corporate headquarters.

Apply now ►

Motorcycle Purchase
Motorcycle Purchase

Serious riders come to Sandia Area for a great deal!

It doesn’t matter if you are a road warrior, a custom enthusiast, or a die-hard classics rider. If you’ve got a motorcycle in mind, we’ve got the financing.

Apply now ►

RV Purchase
RV Purchase

If your idea of fun involves the open road, Sandia Area has the financing.

With an RV Loan from Sandia Area, you can affordably travel America's highways and byways, or even get off the beaten path. We can finance your new or used RV, trailer, camper, motor home, or other recreational vehicle. You'll get low rates, no application fees, plus much, much more.

Apply now ►

Marine Equipment Purchase
Marine Equipment Purchase

Loans for whatever floats your boat.

With a marine equipment loan from Sandia Area, you'll spend less time worrying about monthly payments and more time having fun on the water.

Apply now ►

Car, truck or van refinance
Car, truck or van refinance

Move your loan to Sandia Area & save BIG!

Is your vehicle financed elsewhere? Move your auto loan to Sandia Area for low rates that could help you save money every month and over the life of your loan. We've helped thousands of people save big money. Let us help you too.

Refinance now ►

Motorcycle Refinance
Motorcycle Refinance

Refinance the enthusiasm!

Don’t let the calling of the road get away because you can’t find the right motorcycle loan. Get more bang for your buck when you refinance your current motorcycle loan from another financial institution. You could lower your monthly payments and save thousands!

Refinance now ►

RV Refinance
RV Refinance

The open road is about to get less expensive.

We can refinance your new or used RV, trailer, camper, motor home, or other recreational vehicle. Lower your monthly payment and you could save thousands over the term of your loan.

Refinance now ►

Marine Equipment Refinance
Marine Equipment Refinance

Offshore refinancing...

Refinance your current boat, jet ski or other watercraft loan from another financial institution. You could lower your monthly payments and save thousands! 

Refinance now ►

New Mortgage
New Mortgage

We have a home loan you can live with!

Our experienced, salaried Mortgage Specialists will find the best mortgage solution for your long-term goals. Our process is simple and you can get a fast decision. 

Apply now ►      Learn More ►

First -Time Homebuyer
First -Time Homebuyer

Let's buy a house together!

Our experienced, salaried Mortgage Specialists will find the best mortgage solution for your long-term goals. Our process is simple and you can get a fast decision. 

Apply now ►       Learn more ►

Mortgage Refinance
Mortgage Refinance

Refinance your mortgage and you could save!

Refinancing your mortgage with Sandia Area could mean a lower monthly payment or shorten your term to pay of your home loan faster. Whatever your need, we have a home loan you can live with!

Apply now ►      Learn more ►

Home Equity Line of Credit
Home Equity Line of Credit

The cash you need for the moments that matter.

A Home Equity Line of Credit from Sandia Area is the smart way to pay! Low rates, ongoing access to funds, and interest that is generally tax-deductible make it convenient and affordable!

Apply Now ►      Learn more ►

Home Equity Loan
Home Equity Loan

The perfect loan for consolidating debt.

A Home Equity Loan from Sandia Area offers low rates and interest that is generally tax-deductible.

Apply Now ►      Learn more ►

Readi-Cash Line of Credit
Readi-Cash Line of Credit

Establish now and borrow as the need arises.

With competitive rates and terms up to 36 months, your Readi-Cash Line of Credit offers the flexibility you need with affordable monthly payments. It is perfect for overdraft protection for your account.

Apply now ►

Signature Loan
Signature Loan

Loans for whatever you need.

Whatever your personal needs—debt consolidation, college tuition, a vacation, laser eye surgery or anything in between, we can help with a Signature Loan. Our competitive rates and flexible terms put our signature loans within reach. You can use the loan for furniture, medical expenses, appliances, vacation, back-to-school needs, or virtually anything!

Apply now ►

EZ Switch Guide
EZ Switch Guide

That's Great!

Now you're ready to really move your money! Please proceed to the next step.

EZ Switch Guide ►

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