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Certificates
Effective Date: 06/23/2022
Certificate TermDividend RateAPY1
6-Month 0.598% 0.60%
12-Month 1.045% 1.05%
15-Month2 1.982% 2.00%
24-Month 1.539% 1.55%
36-Month 1.638% 1.65%
48-Month 1.736% 1.75%


1. APY=Annual Percentage Yield and assumes principal and interest remain on deposit for the term of the certificate. Rates effective as of 06/23/2022 and subject to change without notice. Sandia Area reserves the right to modify, change, or remove product offerings at any time. Dividends are compounded and credited to your account monthly. A penalty may be imposed for early withdrawals. Fees may reduce earnings. Please refer to our Schedule of Fees and Truth in Savings disclosures for further information. 2. Offer applies to new certificates only and requires new money be deposited. Membership eligibility required.

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