Current Loan Rates

Sandia Area is dedicated to offering our members the best rates and a wide range of options to fit your needs. With no hidden fees and personalized lending solutions, we make banking straightforward and affordable. Got questions? Give us a call or visit us—we’re here to help!

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New and Used Auto Loan Rates
Effective Date: 05/14/2025 for vehicle model years 2022-2025
Term in MonthsAPR1 as low as
1-36 4.79%
37-48 5.29%
49-66 5.79%
67-75 5.99%
76-84 6.29%

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 05/14/2025. 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. Actual interest rate charged is based on credit history, age of vehicle and terms of the loan, which can only be determined upon receipt of application. Terms up to 84 months available. Up to 125% financing.

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Auto Refinance Rates
Effective Date: 05/14/2025 for vehicle model years 2022-2025
Term in MonthsAPR1 as low as
1-36 4.49%
37-48 4.79%
49-66 5.29%
67-75 5.59%
76-84 5.79%

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 05/14/2025. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. Not all applicants will qualify for the lowest rate. All consumer loans are charged simple interest with no pre-payment penalty. Actual interest rate charged is based on credit history, age of vehicle and terms of the loan, which can only be determined upon receipt of application. Terms up to 84 months available. Up to 125% financing.

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Motorcycle Loan Rates
Effective Date: 02/05/2025 for model years 2022-2025
Term in MonthsAPR1 as low as
36 6.79%
48 7.29%
60 7.59%
72 7.89%

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 02/05/2025. 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. Actual interest rate charged is based on credit history, age of vehicle and terms of the loan, which can only be determined upon receipt of application. Terms up to 72 months available. Up to 100% financing.

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RV Purchase and Refinance Rates
Effective Date: 02/05/2025 for model years 2022-2025
Term in MonthsAPR1 as low as
36 7.49%
60 7.49%
72 7.99%
84 7.99%
120 8.29%
144 8.49%
180 8.79%
240 8.99%
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 02/05/2025. 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. 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. Terms up to 180 months available. Up to 100% financing. 240 month term available only self-contained recreational units.

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Marine Purchase and Refinance Rates
Effective Date: 01/01/2025 for model years 2021-2025
Term in MonthsAPR1 as low as
36 6.99%
48 7.49%
60 7.99%
72 8.29%
84 8.49%

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 01/01/2025. 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. 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. Terms up to 84 months available. Max term varies based on loan collateral type.

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Home Equity Installment Loan Rates
Effective Date: 04/30/2025
Term in MonthsAPR1 as low as
120 7.00%
180 7.25%
Federally insured by NCUA. An Equal Opportunity Lender.  1. APR=Annual Percentage Rate. Rate effective 04/30/2025, and subject to change without notice. New Sandia Area loans only. Subject to credit approval. Rates are based on an evaluation of credit history and lien position. “As low as” rate assumes excellent credit history and first lien position. Your rate may differ. 2. Closing costs associated with this product are waived for loan amounts up to $150,000 in the counties of  Bernalillo, Sandoval, Santa Fe, Valencia, Torrance, Cibola, Dona Ana, Rio Arriba, Mora, San Miguel and Los Alamos on residences with clean title history. Loans over $150,000 are subject to 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.

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Home Equity Line of Credit Rates
Effective Date: 12/20/2024
Term in MonthsAPR1 as low as
180 8.00%
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 12/20/2024. 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. New Sandia Area loans only in the counties of Bernalillo, Sandoval, Santa Fe, Valencia, Torrance, Cibola, Dona Ana, Rio Arriba, Mora, San Miguel and Los Alamos on primary residences with clean title history.  “As low as” rate assumes excellent credit history and first lien position. Borrower is responsible for homeowners’ insurance and, if required, flood insurance. Home Equity Line of Credit is a revolving credit line. Maximum loan amount is 90% LTV for 180 months up to $200,000. Loans over $200,000 will be reviewed on a case-by-case basis. Term of 180 months consists of 5-year draw period followed by 10-year repayment only period. 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 7.50% as of 12/20/2024. When a range of rates has been published, the highest rate will be used. The current margin could range between 0.50% - 1.50% and is subject to change based on your credit score. The HELOC has a floor of 3.75% and a ceiling of 18.00% and will change by no more than 0.25% per month.

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Land Loan Rates
Effective Date: 03/12/2025
APR1Term in MonthsMax LTVMax Amount
8.50% 144 70% $100,000.00
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 03/12/2025. Rates are subject to change at any time without notice. All loans, terms, and conditions are subject to credit approval. All consumer loans are charged simple interest with no pre-payment penalty. Valid for raw land five (5) acres or less in the counties of Bernalillo, Sandoval, Santa Fe, Valencia, Torrance, Cibola, Dona Ana, Rio Arriba, Mora, San Miguel, and Los Alamos. Land loans are fixed rate loan products. A full appraisal and survey will be required on all land loans and normal closing costs, origination fees, application fees, and title insurance are required. See a representative for details.

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Personal Loan Rates
Effective Date: 03/26/2025
Term in MonthsAPR1 as low as
48 10.25%
49-60 10.75%
Share Secured2 Learn More

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 03/26/2025. 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. 2. 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.

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Personal Line of Credit Rates
Effective Date: 12/20/2024
NameAPR1 as low as
Personal Line of Credit (LOC) 13.00%
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 12/20/2024. 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 7.50% as of 12/20/2024. 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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Credit Card Rates
Effective Date: 01/01/2025
CREDIT CARD PROGRAMAnnual Fee, Balance Transfer or Cash Advance Fee2APR1 2
World Rewards Mastercard® Variable None 10.74% - 17.99%
Rewards Mastercard ® Variable None 10.74% - 17.99%
Permaculture Mastercard ® Variable None 9.24% - 17.99%
Mastercard ® Variable None 9.24% - 17.99%
Secured Mastercard ® None 11.50% - 17.50%
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 01/01/2025. 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. 2. See important credit card terms here.

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