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Peak PLUS

High-Yield Checking

Earn 5.25% APY1 on balances up to $15,000.

 

One of the highest checking rewards rates in New Mexico! 

Open Your Account Now!

Current Member New Member


Benefits of Peak PLUS High-Yield Checking

Experience a checking account designed to boost your financial freedom. With Peak PLUS high-yield checking, you’ll enjoy the benefits of a truly free rewards checking account, and a 5.25% APY1 that makes your money work for you.

One of the most rewarding checking accounts in Albuquerque! 

  • Free account
  • No minimum balance
  • No monthly maintenance fees. No fees ever!
  • Used an out of network ATM? Enjoy up to $25 back in domestic ATM Fee Refunds per month2 
  • Earn 5.25% APY1 on balances up to $15,000 and 0.50% APY on balances over $15,000
  • New Member bonus! Qualify for your rewards automatically your first month with just ONE debit card swipe!3

 

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How to Qualify for Your Rewards

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Swipe your debit card at least 15 times per month 

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Receive one direct deposit or ACH credit per month

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Sign up for eStatements4


Free Features Every Checking Account Comes With

debit card
  • Nationwide ATM Access: Access cash and manage your account at over 30,000 free ATMs nationwide through CUAnytime and CO-OP networks. Used an out of network ATM? Enjoy up to $25 back in ATM Fee Refunds per month2 when you meet your checking account qualifications!
  • Zelle5: Send money to family and friends in minutes safely and securely with Zelle in your Mobile Banking app.
  • Mobile Check Deposit6: Deposit checks securely, quickly, and remotely from mobile deposit in your Sandia Area Banking app.
  • Debit Mastercard: Enjoy secure spending with a Debit Mastercard, accepted almost everywhere, plus free access to Mastercard ID Theft Protection.
  • Debit Card Lock: Instantly lock your Debit Mastercard from your mobile app for enhanced security whenever you need it. 
  • Travel Notice: Ensure smooth transactions during your trip by setting up a travel notice in Online and Mobile Banking with your destinations and dates.
  • Get Paid Early7: Receive your paycheck up to two days early by setting up direct deposit with your Sandia Area checking account. 
  • ChangeUp8: Round up your purchases to the nearest dollar and send the spare change to a savings account or your chosen charity.
  • Courtesy Pay/Courtesy Pay+9: Overspent on your card? Don't stress! Opt in for Courtesy Pay and we've got you covered with overdraft protection.

Have a Peak PLUS Account? Add Peak PLUS Savings. 

Just for Peak PLUS Checking members, the Peak PLUS high-yield Savings account offers 3.00% APY10 on your deposits up to $200,000! Plus, your rewards will automatically move into your Peak PLUS high-yield Savings account every month! That's right. Rewards on your rewards. 

Open Yours Now!

Current Member New Member 

Peak Plus Rewards

See how much you could earn when you meet monthly qualifications in your Peak Plus accounts!

3.00% APY
$12.50
$150.00

Examples shown for illustrative purposes only and are only estimations. Actual dividends will vary. Calculated rewards are based on all account qualifications being met during each cycle period and the full balance as shown in the account.


Step One: Open Your Account

Get started online, day or night! Stop by your favorite branch location or give us a call at 505.292.6343 to sign up for a free checking account, no minimum balance required. Not a member yet? Not a problem! You can join Sandia Area for just $5.

Current Member New Member
 

Step Two: Meet Qualifications

Start adventuring, and track your progress toward reward qualification securely from your Online and Mobile Banking account! You only need 15 debit card transactions per month, one direct deposit or ACH credit each month, and to be signed up for eStatements! Learn more about signing up for eStatements below.

Learn More

 

Step Three: Gather Your Rewards

Hurray! You met your qualifications, and your rewards are ready. Each month, you'll receive your cash back or dividends in your Peak PLUS High-Yield Savings account (if you've opened one), where you will earn 3.00% APY on your first $200,000! That's right. You get rewards for your rewards!


 


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CLICK

Open an account online anytime.

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CALL

Contact a representative for assistance at 505.292.6343, or Toll Free at 800.228.4031

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COME IN

             Stop by any of our branch locations                   for personal service.

Find a branch

Peak PLUS High-Yield Terms & Conditions

Federally insured by the NCUA. Membership eligibility required. Visit Sandia.org/Membership for complete details. Checking accounts subject to qualification and may require an opening balance. Advertised information and rewards are based on all account qualifications being met during each cycle period. Please refer to the Truth in Savings disclosures and rate schedule for complete details, restrictions, reward calculations, processing limitations, cycle dates, and enrollment instructions.
1. Peak PLUS High-Yield Checking Account Qualification Information: APY=Annual Percentage Yield. Rates effective as of 08/30/2024. Rates, rewards, and bonuses, if any, are variable and may change after account is opened. The Peak PLUS High-Yield Checking Account is a tiered rate account. If you meet the minimum qualification requirements during the monthly qualification cycle, the APY of 5.25% will apply if your balance is $15,000.00 and below; the annual percentage yield of 0.50% will apply if your balance  is $15,000.01 or greater. 
If minimum qualification requirements are not met, the entire balance will earn 0.05% APY. Dividends will be credited to your Peak PLUS High-Yield checking account on the last day of the current statement cycle. If you have a Peak PLUS High-Yield Savings Account, dividends earned on the Peak PLUS High-Yield Checking Account will automatically be transferred to your Peak PLUS High-Yield Savings Account; in that event dividends will not compound in the Peak PLUS High-Yield Checking account and will compound in your account as listed on the Rate Schedule. earned rewards will be transferred to this account one day after end of cycle processing.

You may qualify for monthly rewards if you meet the applicable minimum qualification requirements for the monthly qualification cycle. To meet the minimum qualification requirements, you must: 1) make 15 debit card purchases that post and settle to your account; 2) have one ACH credit or direct deposit settle to your account; 3) be enrolled to receive e-statements. The monthly qualification cycle is defined as the period beginning one calendar day prior to the first day of the current statement cycle through one calendar day prior to the close of the current statement cycle. 

2. ATM Refund Qualification Information: We will refund up to $6.00 per transaction and up to $25.00 per month in ATM fees assessed at worldwide ATMs we do not own or operate. ATM refunds will be paid on the last calendar day of the month. If you have a Peak PLUS High Yield Savings account, ATM fees refunded to you will be deposited directly into your Peak PLUS High Yield Savings account. If you do not have a Peak PLUS High Yield Savings account, fees refunded will remain in your Peak PLUS High-Yield Checking account. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle, ATM fees will not be refunded to you.

3. New member bonus: Each new Peak PLUS Checking Account will automatically meet the qualification standards the first month of opening, enabling rewards to be earned and collected per account type listed above. In all subsequent months, qualification activities will be required to enable rewards. 
4. eStatements: By selecting eStatements, you choose to receive your statements and notices electronically, you will no longer receive paper copies via traditional mail. For important tax reporting reasons, you should always print and retain your December 31 year-end statement and tax documents. 
5. Zelle®: Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 
6. Mobile Check Deposit: Funds availability restrictions may apply. Visit our Funds Availability Policy for complete details. 
7. Two Days Early: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day payment file is received, which may be up to two days earlier than scheduled payment date. 
8. ChangeUp: Upon enrollment, we will round up your Mastercard® debit card purchases to the nearest dollar and transfer the difference from your checking account to your savings account or a charity of your choice. We may cancel or modify ChangeUp at any time without prior notice. 
9. Courtesy Pay/Courtesy Pay+: Courtesy Pay and Courtesy Pay+ are not loans and are qualifying services. Before using Courtesy Pay, we will first attempt to clear the item by using any Overdraft Protection program you may have in place. Members must opt in to Courtesy Pay+ to authorize and pay overdrafts on ATM and one-time debit card transactions. You can revoke your election at any time by calling the credit union at (505) 292-6343, visiting any of our branch offices, or online at Sandia.org/ Overdrafts. Restrictions apply. $29 fee will be assessed for each overdraft.  

10. Peak PLUS High-Yield Savings Account Qualification Information: APY=Annual Percentage Yield. Rates effective as of 08/30/2024. Rates, rewards, and bonuses, if any, are variable and may change after account is opened. The Peak PLUS High Yield Savings account is a tiered rate account and is available only to holders of a Peak PLUS High Yield Checking or Peak PLUS Cash Back Checking account. If you meet the minimum qualification requirements for your Peak PLUS High Yield Checking or Peak PLUS Cash Back Checking account during the monthly qualification cycle, the 3.00% APY will apply if your balance is $200,000.00 and below. The .50% APY will apply if your balance is $200,000.01 or greater. Each dividend rate will apply only to that portion of the account balance within each balance range. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle for the Peak PLUS High Yield Checking or Peak PLUS Cash Back account, the .05% APY will apply to the entire balance in your Peak PLUS High-Yield Savings account.
Additional Information: Limit of one (1) Peak PLUS Cash Back or one (1) Peak PLUS High-Yield checking account and one (1) Peak Plus High-Yield Savings account per membership. There are no recurring monthly maintenance charges or fees to open or close this account. No minimum balance is required to earn or receive the account's rewards. Business Accounts are not eligible for Peak PLUS Checking Accounts. If the account is closed, you will forfeit any rewards that have not been credited to your account.

 

 
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Sandia Area Federal Credit Union
P.O. Box 18044
Albuquerque, NM 87185

1.505.292.6343
1.800.228.4031

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