Line of Credit

Establish now and borrow as the need arises. Your Line of Credit offers the flexibility you need with affordable monthly payments.

  • Rates start at 14.00% APR1
  • Terms up to 36 months
  • Use as overdraft protection for your Sandia Area checking account

Apply now

See current rates and terms here

Want even more flexibility?

While our signature loans and lines of credit meet the needs of many members, consider a low-rate Sandia Area Mastercard. With no annual fee, no balance transfer fees, and no cash advance fees, a Sandia Area Mastercard may be your ticket!


Sandia Area membership required. All loans are subject to credit approval. 1. 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 current margin is 5.50% and is subject to change. Annual Percentage Rate (APR) effective as of 05/05/2023. Rates are subject to change without notice.

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