Federally insured by the NCUA. An Equal Opportunity lender. Membership eligibility required. Visit Sandia.org/Membership for complete details.

1. Interest accrues during the 90-day deferral period.

2. Restrictions apply. Visit sandia.org/protect for complete details. 

Checking accounts subject to qualification and may require an opening balance. Advertised information and rewards are based on all account qualifications being met during each cycle period. Please refer to the Truth in Savings disclosures and rate schedule for complete details, restrictions, reward calculations, processing limitations, cycle dates, and enrollment instructions.

3. Peak PLUS High-Yield Checking Account Qualification Information: APY=Annual Percentage Yield. Rates effective as of 08/30/2024. Rates, rewards, and bonuses, if any, are variable and may change after account is opened. The Peak PLUS High-Yield Checking Account is a tiered rate account. If you meet the minimum qualification requirements during the monthly qualification cycle, the APY of 5.25% will apply if your balance is $15,000.00 and below; the annual percentage yield of 0.50% will apply if your balance  is $15,000.01 or greater. If minimum qualifications requirements are not met, the entire balance will earn 0.05% APY. Dividends will be credited to your Peak PLUS High-Yield checking account on the last day of the current statement cycle. If you have a Peak PLUS High-Yield Savings Account, dividends earned on the Peak PLUS High-Yield Checking Account will automatically be transferred to your Peak PLUS High-Yield Savings Account; in that event dividends will not compound in the Peak PLUS High-Yield Checking account and will compound in your account as listed on the Rate Schedule. earned rewards will be transferred to this account one day after end of cycle processing. 

4. Peak PLUS Cash Back Qualification Information: If you meet the minimum qualification requirements during the monthly qualification cycle,  you will receive 5.00% cash back on up to $200 in debit card purchases that post and settle to the account. A maximum of  $10 cash back may be earned per monthly qualification cycle. If you have a Peak Plus High-Yield Savings Account, cash back earned on your Peak PLUS Cash Back Checking Account will be deposited into your Peak PLUS High-Yield Savings Accounts. If you do not have a Peak PLUS High-Yield Savings Account, cash back earned will remain in your Peak PLUS Cash Back Checking Account. 

You may qualify for monthly rewards if you meet the applicable minimum qualification requirements for the monthly qualification cycle. To meet the minimum qualification requirements, you must: 1) make 15 debit card purchases that post and settle to your account; 2) have one ACH credit or direct deposit settle to your account; 3) be enrolled to receive e-statements. The monthly qualification cycle is defined as the period beginning one calendar day prior to the first day of the current statement cycle through one calendar day prior to the close of the current statement cycle. 

5.  ATM Refund Qualification Information: We will refund up to $6.00 per transaction and up to $25.00 per month in ATM fees assessed at worldwide ATMs we do not own or operate. ATM refunds will be paid on the last calendar day of the month. If you have a Peak PLUS High Yield Savings account, ATM fees refunded to you will be deposited directly into your Peak PLUS High Yield Savings account. If you do not have a Peak PLUS High Yield Savings account, fees refunded will remain in your Peak PLUS Checking account. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle, ATM fees will not be refunded to you.

6. APR = Annual Percentage Rate. Rates and programs are subject to change without notice.

7. The 2.99% APR introductory offer is good for new low-rate cards only and is only available on new purchases performed within the first 12 billing cycles from the account opening date for new accounts or the first date of the new billing cycle for upgraded account. The 12-month 2.99% APR period for new purchases begins on the date of the first transaction performed during this period and continues until the end of the 12th billing cycle of the first transaction for that category. Beginning the 13th billing cycle, the APR on your account will convert to your normal purchase APR given upon approval. Balance transfers do not qualify for the 2.99% APR introductory offer.

8. Introductory 10,000 bonus points offer applies when $1,000 is spent on card within the first 90 days of account opening. Upon meeting this requirement, bonus points will be automatically deposited into your rewards account. Restrictions apply and program is subject to change without notice. 

These are summary descriptions only. Additional terms, conditions, restrictions and exclusions may apply. See your Guide to Benefits or World Card Guide to Benefits, contact Sandia Area for complete coverage terms and conditions or call 1-800-MASTERCARD for assistance. See mastercard.com/zeroliability for details on Zero Liability. See Travel Accident Insurance with Baggage Delay guide for information on the program. 

Mastercard, Priceless and the Mastercard brand mark are registered trademarks and Mastercard Global Service, Mastercard Airport Concierge and Fuel Rewards Network are trademarks of Mastercard International Incorporated, used pursuant to a license. 

All credit cards subject to credit approval. See important terms and conditions.