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Sandia Area is the best choice for your home equity

Why? Because Sandia Area is a credit union that puts you first by

  • Providing better, affordable banking for everyone
  • Making our communities stronger
  • Setting you, our members, up for the best financial future

Not to mention our great rates!

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Choose the right Home Equity for you

Home Equity Loan

Get one lump sum of cash, and pay down in regular monthly payments. Rates start at 6.50% APR.2

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Home Equity Line of Credit

Get easy access to the equity in your home, and the flexibility to use funds over time. Rates start at 8.50% APR.2

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Use this helpful guide to learn the key differences between a Home Equity Loan and a Home Equity Line of Credit to determine which one is right for you.


Loans and terms subject to credit approval. 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. Annual Percentage Rate (APR) effective as of 03/08/2023. 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.

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