Personal Loans
Your Loan for Anything—Pay off Debt or Fund an Adventure!
Credit card debt is at record highs, with interest rates often exceeding 20% APR for all credit cards. Store credit cards? The average interest rate is more than 30% APR. Consolidate your payments into one Sandia Area personal loan—with fixed rates starting as low as 10.25% APR.
$8.38 Million
Debt consolidated by Sandia Area members in 2025.
Lock In A Rate That Won't Change
Say goodbye to high interest and juggling multiple (often unpredicatable) payments. Say hello to one fixed, manageable monthly payment with rates as low as:
- 10.25% APR1 for terms up to 48 months
- 10.75% APR1 for terms from 49 to 60 months
Features
- Borrow up to $40,000
- No application fees
- No transfer fees
- No closing costs
The Benefits of A Personal Loan
Predictable Payments
Simplify with one monthly payment. No guessing or juggling bills or budgeting for multiple minimum monthly payments, giving you the flexibility to save for what matters.
Fixed Interest Rate
Unlike a credit card, your rate will never change. With a rate as low as 10.25% APR1, you'll save thousands compared to a high-rate credit card.
Cash for Anything
Consolidate debt, reduce your credit card utilization rate, pay for an event or a trip, or even an education—no collateral required.
The Difference Interest Makes
With a fixed rate personal loan, you could save over $13,000 in interest paid* when you combine your variable interest rate debt into one, manageable payment.
*Estimated Variable Interest Rate total interest paid based off of a $40,000 balance with an estimated interest rate of 24.25% APR with a term of 48 months. Estimated Fixed Interest Rate total interest paid based off of a $40,000 balance with an 10.25% APR with a term of 48 months.
Simplify Your Debt. Amplify Your Savings.
Calculate the difference our 10.25% APR fixed rate can make—try the debt consolidation calculator and take the first step toward stress-free finances.
What's the process?
Use your personal loan funds to pay off debt, fund an education, or finance a project or event.
Move forward with predicatable monthly payments that won't change.
Useful Articles
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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