Personal Line of Credit
Flexible Funds When You Need Them
Open a personal line of credit today and borrow only when it makes sense for you. With convenient access to funds and manageable monthly payments, it’s a smart way to stay prepared—whether for planned expenses or life’s unexpected moments.
- Rates start at 12.25% APR1
- Use as overdraft protection for your Sandia Area checking account
| Name | APR1 as low as |
|---|---|
| Personal Line of Credit (LOC) | 12.25% |
| Federally insured by the NCUA. An Equal Opportunity Lender. Membership eligibility required. Visit Sandia.org/Membership for complete details. 1. APR = Annual Percentage Rate effective as of 12/12/2025. 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. All consumer loans are charged simple interest with no pre-payment penalty. 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 6.75% as of 12/12/2025. 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. | |
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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.
