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Current Loan Rates

New and Used Auto Loan Rates

Effective Date: 02/08/2023 for vehicle model years 2020-2023

Term in Months	APR²as low as
1-36	4.49%
37-48	4.69%
49-66	5.39%
67-75	5.69%
76-84	6.29%

Auto Refinance Rates

Effective Date: 02/08/2023 for vehicle model years 2020-2023

Term in Months	APR¹as low as
1-36	3.79%
37-48	3.99%
49-66	4.69%
67-75	4.99%
76-84	5.59%
Sandia Area membership required for all loans. Other rates, terms and model years available. 1. APR=Annual Percentage Rate effective as of 02/08/2023. 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. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 100% financing available for qualified applicants.

Motorcycle Loan Rates

Effective Date: 03/27/2023 for model years 2020-2023

Term in Months	APR¹as low as	Approximate Payment²
36	5.99%	$608
48	6.29%	$472
60	6.49%	$391
72	6.79%	$338
Sandia Area membership required for all loans. Other rates, terms and model years available. 1. APR=Annual Percentage Rate effective as of 03/27/2023. 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. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 100% financing available for qualified applicants. 2. Payment example based on $20,000 loan.

RV Purchase and Refinance Rates

Effective Date: 03/27/2023 for model years 2020-2023

Term in Months	APR¹as low as	Approximate Payment²
36	5.99%	$608
60	6.39%	$390
72	6.59%	$337
84	6.79%	$299
120	6.99%	$232
144	7.19%	$197
180	7.39%	$184
240	7.59%	$162
Sandia Area membership required for all loans. Other rates, terms and model years available. 1. APR=Annual Percentage Rate effective as of 03/27/2023. 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. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 100% financing available for qualified applicants. Only self-contained recreational units are eligible for up to 240 month term or 180 month term. Minimum loan amount for 180 and 240 month term is $70,000. Vehicle Loan example: monthly payment of $376 on a $20,000 loan for 60 months at 4.79% APR 2. Payment examples based on $20,000 loan. 3. National Parks Pass is received on the closing of an RV loan for $15,000 or more.

Marine Purchase and Refinance Rates

Effective Date: 03/22/2023 for model years 2020-2023

Term in Months	APR¹as low as	Approximate Payment²
36	6.29%	$611
48	6.49%	$474
60	6.99%	$396
72	7.29%	$344
84	7.49%	$307
Sandia Area membership required for all loans. Other rates, terms and model years available. 1. APR=Annual Percentage Rate effective as of 03/22/2023. 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. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 100% financing available for qualified applicants. 2. Payment example based on $20,000 loan.

Home Equity Loan Rates

Effective Date: 03/08/2023

Term in Months	APR¹as low as	Approximate Payment²
120	6.50%	$227
180	7.00%	$179
1. Rates are subject to change without notice. New Sandia Area loans only. Annual Percentage Rate (APR) on approved credit. Rates are based on an evaluation of credit history and lien position. "As low as" rate assumes excellent credit history. Your rate may differ. Closed End Home Equity Loan is a fixed rate loan. Maximum loan amount is $200,000 and maximum LTV is 80%. Closing costs associated with this product are waived for loans up to $150,000 in Greater Albuquerque and surrounding area on their primary residences with clean title history. Loans over $150,000 or outside of Greater Albuquerque and surrounding area are subject to cost of property appraisal, flood certification, recording fees, and title insurance, which generally range from $1,467 to $1,600. Borrower is responsible for homeowners insurance and, if required, flood insurance. 2. Payment example assumes $20,000 loan.

Home Equity Line of Credit

Effective Date: 03/24/2023

Term in Months	APR¹as low as	Approximate Payment²
180	8.50%	$196
1. Rates are subject to change without notice. New Sandia Area loans only. Annual Percentage Rate (APR) on approved credit. Rates are based on an evaluation of credit history and lien position. "As low as" rate assumes excellent credit history. Your rate may differ. Home Equity 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 8.00% as of 03/24/2023. When a range of rates has been published, the highest rate will be used. The current margin is 0.50% and is subject to change. The APR cannot increase by more than 6.0 percentage points above the initial rate. NY Prime Rate plus margin for 80% LTV for 180 months and $150,000; NY Prime Rate plus margin for 80% LTV for 180 months and $200,000. Term of 180 months consists of 5-year draw period followed by 10-year repayment only period. Annual maintenance fee of $35 and an application fee of $35 may apply. Closing costs associated with this product are waived for loans up to $150,000 in Greater Albuquerque and surrounding area on their primary residences with clean title history. Loans over $150,000 or outside of Greater Albuquerque and surrounding area are subject to cost of property appraisal, flood certification, recording fees, and title insurance, which generally range from $1,467 to $1,600. Borrower is responsible for homeowners insurance and, if required, flood insurance. 2. Home Equity Line of Credit payment example assumes $20,000 loan with an owner-occupied property.

Personal Loans

Effective Date: See below

LOAN PROGRAM	Term in Months	APR¹as low as
Share Secured²	CALL	CALL
Readi Cash Line of Credit³	36	13.50%
Signature Loan⁴	48	9.50%
Land Loan	CALL	CALL
Sandia Area membership required for all loans. 1. APR=Annual Percentage Rate. All loans, terms, and conditions are subject to credit approval. “As low as” rate assumes excellent credit history. Actual interest rate charged is based on credit history, which can only be determined upon receipt of application. 2. Rates are accurate as of 07/22/2000 and are subject to change without notice. For Share Secured Loans, the annual percentage rate will be the current share dividend rate (Index) in effect on deposits of at least $5,000 plus 3.0% (margin). The rate is subject to change monthly on the 1st day of each month to reflect any change to the index. Share Secured Loan example: monthly payment of $25 on a $2,500 loan for 120 months at 3.00% APR. 3. Rates are accurate as of 03/24/2023 and are subject to change without notice. Readi Cash 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 8.00% as of 03/24/2023. 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. 4. Rates are accurate as of 07/01/2020 and are subject to change without notice. Signature Loan example: monthly payment of $63 on a $2,500 loan for 48 months at a fixed APR of 9.50%.

Credit Cards

Effective Date: 03/24/2023

CREDIT CARD PROGRAM	Annual Fee, Balance Transfer or Cash Advance Fee²	APR¹ ²
World Rewards Mastercard® Variable	None	11.24% - 17.99%
World Rewards Mastercard ® Traditional	None	10.24% - 17.99%
Rewards Mastercard ® Variable	None	11.24% - 17.99%
Rewards Mastercard ® Traditional	None	10.24% - 17.99%
Permaculture Mastercard ® Variable	None	9.74% - 17.99%
Permaculture Mastercard ® Traditional	None	8.74% - 17.99%
Mastercard ® Variable	None	9.74% - 17.99%
Mastercard ® Traditional	None	8.74% - 17.99%
Secured Mastercard ®	None	11.50% - 17.50%
Sandia Area membership required for all loans. 1. APR=Annual Percentage Rate accurate as of 03/24/2023 and are subject to change without notice. All loans, terms, and conditions are subject to credit approval. Actual interest rate charged is based on credit history which can only be determined upon receipt of application. 2. See important credit card terms here.

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