Simplify Your Payments
Balance Transfers Made Easy
A balance transfer lets you move high-interest credit card debt to a Sandia Area Mastercard® with a lower rate—so you can pay down debt faster and save on interest. With a Sandia Area Mastercard®, you can transfer your balance and save with an introductory 3.99% APR1 for the first 12 billing cycles on transfers made in the first 60 days of account opening. After that, enjoy your approved variable APR of 8.74% - 17.99%.2
Learn More About Balance Transfers
Manage Your Credit Card Debt
Learn how to manage your credit card payments and develop a plan to become debt-free sooner.
Protect Your Loan
Essential Protection for Things That Matter Most
If your life takes an unexpected turn, your family’s finances can be strained. But with Debt Protection with Life Plus, your loan payments or balance may be canceled, up to the contract maximums, in case of involuntary unemployment, disability, or death. It’s just one more way you can look out for the people you love.
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Any calculator results are estimations only and in no way constitute an offer of credit. Membership eligibility and application is required. Subject to credit approval. See a representative for full details.
Federally insured by the NCUA. An Equal Opportunity Lender. Membership eligibility required. Visit Sandia.org/Membership for complete details. All loans, terms, and conditions are subject to credit approval. Restrictions apply. Rates and programs are subject to change without notice. See important credit card terms here. Sandia Area Federal Credit Union may terminate the Program or change the Terms and Conditions, rules, policies, reward points, and/or benefits at any time with or without notice as permitted by law. APR = Annual Percentage Rate.
1. The 3.99% APR balance transfer offer is good for 12 billing cycles when a balance transfer is performed within the first 60 days of the account opening. Beginning the 13th billing cycle, the APR on your balance transfer will convert to your current balance APR.
2. Rate effective as of 10/31/2025. 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. See important credit card terms here.
