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Boost your savings with a reliable, fixed rate of return.


Boost your savings with a reliable, fixed rate of return.

Savvy investors keep at least a portion of their portfolio in fixed-income investments that are not subject to the ups and downs of the stock market. Banks call them CDs, we call them Share Certificates. Whatever you call them, they are a safe and comfortable way to get higher yields from your savings. 

Open your account online ►

With a Certificate from Sandia Area, you deposit the money for a set period of time, usually between six months and four years, and in return, you receive a higher dividends rate than with a traditional savings account. The longer your term deposit, the more you earn. It’s a simple way to boost your savings and prepare for your financial future.

Benefits of Certificates

  • Provides higher dividends earnings than a regular savings account
  • Offers fixed, steady growth for your long-term savings needs
  • Can be used in IRAs
  • Comes with terms from 6 months to 4 years
  • Is insured to at least $250,000 by NCUA
  • Requires only $500 minimum deposit to open

Additional information

Consider a laddering strategy for your Certificates ►

Ways to maximize your share insurance ►

Your funds are safe at Sandia Area ►


For Certificate rates, click here. Some restrictions may apply.  Penalty may be imposed for early withdrawal and could reduce earnings. $500 minimum required for Share Certificates. Sandia Area Membership is required.

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