Two Ways to Save Better
Choose your way to save, and open your account with just $500. Earn up to 3.65% APY on a new 6-month certificate!
Grow your money risk-free!
Savings options that fit you
Saving should be flexible! No matter what your savings goals are, Sandia Area has the options you need to grow your money better.
Grow Money Market
Anytime Access
2.00% APY1,2
The Grow Money Market account is a great way to grow your funds with anytime access! No terms, no minimum balance penalties. Just a simple way to save!
Certificates
Lock In to Save More
As high as 3.65% APY1,3
Lock in your savings for 6 months and earn even more with a new certificate! Great rates are also available for other terms. Use to secure loans and earn higher rates!
| Features | Grow Money Market | Certificates |
|---|---|---|
| Risk-free—funds are federally insured by the NCUA |  |
|
| Anytime access to your funds | |
|
| Earn higher rates | |
|
| Use to secure loans | |
|
| Use as overdraft protection | |
|
| Terms | None | 6-48 months |
| Certificate Term | Dividend Rate | APY1 |
|---|---|---|
| 6-Month | 3.590% | 3.65% |
| 12-Month | 3.639% | 3.70% |
| 18-Month | 3.687% | 3.75% |
| 24-Month | 3.735% | 3.80% |
| 36-Month | 3.784% | 3.85% |
| 48-Month | 3.832% | 3.90% |
| A Sandia Area Membership is required. 1. APY=Annual Percentage Yield valid for balances of $500 or more. Rates effective as of 6/10/2026, subject to change without notice and assumes principal and interest remain on deposit for term selected. Dividends are compounded and credited to your account monthly. Fees may reduce earnings. 2. You may withdraw up to 50% of the certificate amount (principal and dividends) one time during the term of the certificate with no penalty on all certificates opened on or after 10/23/2023. Not available on IRA-certificates. Restrictions apply. Refer to our Schedule of Service Charges and Truth in Savings disclosures for more information. | ||
Choose how you want to save today!
1. APY=Annual Percentage Yield. Rates effective as of 03/27/2024 and subject to change without notice. Sandia Area may modify, change, or remove this product offering at any time. Rate valid for balances of $500 or more. Dividends are compounded and credited to your account monthly. Fees may reduce earnings. Refer to our Schedule of Fees and Truth in Savings disclosures for more information. Membership eligibility required. 2. Rate may change after account opening. 3. A penalty may be imposed for early withdrawals. Membership eligibility required.
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