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Rates

Competitive rates to help you reach your financial dreams.

Rates

Competitive rates to help you reach your financial dreams.

Vehicle Loans  |  Motorcycle Loans  |  Marine Equipment & Boat Loans  |  Recreational Vehicle Loans  |  Home Equity Loans  |  Credit Cards  |  Other Loans


Vehicle Loans
Effective Date: 12/30/16
Vehicle Model YearTerm in MonthsAPR1 as low as
2013-2017 36 1.99%
2013-2017 48 2.39%
2013-2017 66 2.59%
2013-2017 75 2.79%
2013-2017 84 3.29%
2008-2012 48 2.79%
2008-2012 60 2.89%
2008-2012 66 2.99%
2008-2012 72 3.49%
2004-2007 48 3.49%
2004-2007 60 3.79%
2003 & Older 48 4.79%

Sandia Area membership required for all loans.

1. APR=Annual Percentage Rate effective as of 12/30/16. 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. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 100% financing available. Vehicle Loan example: monthly payment of $356 on a $20,000 loan for 60 months at 2.59% APR.

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Motorcycle Loans
Effective Date: 1/19/16
Vehicle Model YearTerm in MonthsAPR1 as low as
2012-2017 36 4.99%
2012-2017 48 4.99%
2012-2017 60 5.25%
2012-2017 72 5.50%
2011 and older 48 6.99%
2011 and older 60 6.99%
2011 and older 72 7.25%

Sandia Area membership required for all loans.

1.  APR=Annual Percentage Rate effective as of 1/19/16. 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. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 100% financing available. Motorcycle Loan example: monthly payment of $380 on a $20,000 loan for 60 months at 5.25% APR.

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Marine Equipment Loans
Effective Date: 1/19/16
Vehicle Model YearTerm in MonthsAPR1 as low as
2012-2017 24 5.00%
2012-2017 36 5.00%
2012-2017 48 5.75%
2012-2017 60 5.75%
2012-2017 72 5.75%
2012-2017 84 5.99%
2011 24 6.25%
2011 36 6.25%
2011 48 6.50%
2011 60 6.50%
2011 72 6.60%
2011 84 6.60%
2010 36 6.30%
2010 48 6.30%
2010 60 6.50%
2010 72 6.60%
2010 84 6.65%
2009 36 6.40%
2009 48 6.40%
2009 60 6.50%
2009 72 6.50%
2009 84 6.99%
2004-2008 36 6.40%
2004-2008 48 6.40%
2004-2008 60 6.50%
2004-2008 72 6.60%
2004-2008 84 6.99%

Sandia Area membership required for all loans.

1. APR=Annual Percentage Rate effective as of 1/19/16. 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. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 100% financing available. Vehicle Loan example: monthly payment of $385 on a $20,000 loan for 60 months at 5.75% APR.

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Recreational Vehicle (RV) Loans
Effective Date: 1/19/16
Vehicle Model YearTerm in MonthsAPR1 as low as
2012-2017 36 3.99%
2012-2017 60 3.99%
2012-2017 72 4.50%
2012-2017 84 4.50%
2012-2017 120 4.75%
2012-2017 144 5.50%
2012-2017 180 5.99%
2012-2017 2402 6.99%
2009-2011 36 5.99%
2009-2011 60 6.20%
2009-2011 72 6.25%
2009-2011 84 6.25%
2009-2011 120 6.50%
2009-2011 144 6.50%
2009-2011 1802 6.50%
2004-2008 60 6.25%
2004-2008 72 6.35%
2004-2008 84 6.45%
2004-2008 120 6.50%

Sandia Area membership required for all loans.

1. APR=Annual Percentage Rate effective as of 1/19/16. 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. Actual interest rate charged is based on credit history, age of the vehicle and terms of the loan, which can only be determined upon receipt of application. All consumer loans are charged simple interest with no pre-payment penalty. Up to 100% financing available.

2. Only self-contained recreational units are eligible for up to 240 month term (model years 2009-2012) or 180 month term (model years 2006-2008). Minimum loan amount for 180 and 240 month term is $70,000. Vehicle Loan example: monthly payment of $385 on a $20,000 loan for 60 months at 3.99% APR.

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Home Equity Loans
Effective Date: See below
HOME EQUITY LOAN PROGRAMTerm in MonthsAPR1 as low as
Home Equity Line of Credit1 180 4.50%
Closed End Home Equity Loan2 120 3.99%

Sandia Area membership required for all loans.

1. Rates are accurate as of 03/17/17 and 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 so your rate may differ. Home Equity 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 index is the NY Prime Rate published in the Money Rates column of the Wall Street Journal and is 4.00% as of 03/16/17. When a range of rates has been published, the highest rate will be used. The current margin is 0.50% and is subject to change. The APR cannot increase by more than 6.0 percentage points above the initial rate. NY Prime Rate plus margin for 90% LTV for 180 months and $150,000; NY Prime Rate plus margin for 80% LTV for 180 months and $200,000. Term of 180 months consists of 5-year draw period followed by 10-year repayment only period. Annual maintenance fee of $35 and an application fee of $35 may apply. 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 1.00% origination cost plus 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. Home Equity Line of Credit example: monthly payment of $153 on a $20,000 loan for 180 months at 4.50% APR with an owner occupied property.

2. Rates are accurate as of 8/18/16 and 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, so your rate may differ. Closed End Home Equity Loan is a fixed rate at 3.99% up to 85% LTV for 120 months and $200,000. Max LTV is 85%. 1st Lien Mortgage Equity Loans may not exceed 85% LTV. 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 1.00% origination cost plus 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. Home Equity Loan example: monthly payment of $203 on a $20,000 loan for 120 months at 3.99% APR with an owner occupied property.

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Credit Cards
Effective Date: 3/17/2017
CREDIT CARD PROGRAMAnnual Fee, Balance Transfer or Cash Advance Fee2APR1 2
World Rewards MasterCard« Variable None 7.24%-17.24%
World Rewards MasterCard « Traditional None 10.24%-17.99%
Rewards MasterCard « Variable None 7.24%-17.24%
Rewards MasterCard « Traditional None 10.24%-17.99%
Permaculture MasterCard « Variable None 5.74%-17.24%
Permaculture MasterCard « Traditional None 8.74%-17.99%
MasterCard « Variable None 5.74%-17.24%
MasterCard « Traditional None 8.74%-17.99%
Secured MasterCard « None 11.50%-17.50%

Sandia Area membership required for all loans.

1. APR=Annual Percentage Rate accurate as of 3/17/2017 and are subject to change without notice. All loans, terms, and conditions are subject to credit approval. Actual interest rate charged is based on credit history which can only be determined upon receipt of application.

2. See important credit card terms here.

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Other Loans
Effective Date: See below
LOAN PROGRAMTerm in MonthsAPR1 as low as
Share Secured Loan2 120 3.00
Readi Cash Line of Credit3 36 9.50
Signature Loan4 48 9.50
Computer or Furniture Loan (New)5 36 7.99
Land Loan CALL CALL

Sandia Area membership required for all loans.

1. APR=Annual Percentage Rate. All loans, terms, and conditions are subject to credit approval. “As low as” rate assumes excellent credit history. Actual interest rate charged is based on credit history, which can only be determined upon receipt of application.

2. Rates are accurate as of 12/17/08 and are subject to change without notice. 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. Share Secured Loan example: monthly payment of $25 on a $2,500 loan for 120 months at 3.00% APR.

3. Rates are accurate as of 03/17/17 and are subject to change without notice. Readi Cash 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 index is the NY Prime Rate published in the Money Rates column of the Wall Street Journal and is 4.00% as of 03/16/17. When a range of rates has been published, the highest rate will be used. The current margin is 5.50% and is subject to change. Ready Cash Line of Credit example: monthly payment of $80 on a $2,500 loan for 36 months at 9.50% APR.

4. Rates are accurate as of 3/7/12 and are subject to change without notice. Signature Loan example: monthly payment of $63 on a $2,500 loan for 48 months at a fixed APR of 9.50%.

5. Rates are accurate as of 3/7/12 and are subject to change without notice. Computer or Furniture Loan example: monthly payment of $79 on a $2,500 loan for 36 months at a fixed APR of 7.99%.

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Savings  |  Performance Checking  |  Money Market  |  Certificates  |  IRA Certificates  |  IRA Shares  |  IRA Money Market


Savings
Effective Date: 1/1/2011
Minimum Balance RequiredDividend RateAPY1
<$100 0.00% 0.00%
$100 - $999 0.10% 0.10%
$1,000 - $2,499 0.10% 0.10%
$2,500 - $4,999 0.10% 0.10%
$5,000 - $9,999 0.10% 0.10%
$10,000 - $24,999 0.15% 0.15%
$25,000 - $49,999 0.15% 0.15%
$50,000 - $99,999 0.20% 0.20%
$100,000 and above 0.20% 0.20%

1APY = Annual Percentage Yield. Rates are accurate as of 1/1/11 and are subject to change without notice.You must maintain the minimum daily balance in your account each day to obtain the disclosed Annual Percentage Yield. Fees may reduce the earnings on dividend-earning accounts. Rates for variable rate accounts are subject to change after the account has been opened.

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Checking
Effective Date: 12/7/2010
Minimum Balance RequiredDividend RateAPY1
<$500 0.00% 0.00%
$500 - $1,499 0.05% 0.05%
$1,500 - $2,999 0.05% 0.05%
$3,000 - $9,999 0.05% 0.05%
$10,000 and above 0.05% 0.05%

1APY = Annual Percentage Yield. Rates are accurate as of 12/7/10 and are subject to change without notice. You must maintain the minimum daily balance in your account each day to obtain the disclosed Annual Percentage Yield. Daily balance below $1,000 incurs a $7 monthly maintenance fee, which is waived for members age 50 and above. Fees may reduce the earnings on dividend-earning accounts. Rates for variable rate accounts are subject to change after the account has been opened.

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Money Market
Effective Date: 10/8/2011
Minimum Balance RequiredDividend RateAPY1
<$1,000 0.00% 0.00%
$1,000 - $2,499 0.15% 0.15%
$2,500 - $4,999 0.15% 0.15%
$5,000 - $9,999 0.20% 0.20%
$10,000 - $24,999 0.25% 0.25%
$25,000 - $49,999 0.30% 0.30%
$50,000 - $99,999 0.30% 0.30%
$100,000 and above 0.35% 0.35%

1APY = Annual Percentage Yield. Rates are accurate as of 10/8/11 and are subject to change without notice. You must maintain the minimum daily balance in your account each day to obtain the disclosed Annual Percentage Yield. $5 monthly fee may be imposed for accounts falling below the $1,000 minimum. Fees may reduce the earnings on dividend-earning accounts. Rates for variable rate accounts are subject to change after the account has been opened.

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Share Certificates
Effective Date: 04/25/17
Share Certificate TermTerm in MonthsDividend RateAPY1
6-Month Share Certificate 6 0.65% 0.65%
12-Month Share Certificate 12 0.75% 0.75%
24-Month Share Certificate 24 1.09% 1.10%
36-Month Share Certificate 36 1.54% 1.55%
48-Month Share Certificate 48 1.64% 1.65%

1APY = Annual Percentage Yield and assumes principal and interest remain on deposit for the term of the Certificate.Rates are accurate as of 04/25/17 and are subject to change without notice. $500 minimum required for Share Certificates. Substantial penalties may be imposed for early withdrawal and could reduce earnings.

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IRA Share Certificates
Effective Date: 04/25/17
IRA Share Certificate TermTerm in MonthsDividend RateAPY1
6-Month Share Certificate 6 0.65% 0.65%
12-Month Share Certificate 12 0.75% 0.75%
24-Month Share Certificate 24 1.09% 1.10%
36-Month Share Certificate 36 1.54% 1.55%
48-Month Share Certificate 48 1.64% 1.65%

1APY = Annual Percentage Yield and assumes principal and interest remain on deposit for the term of the Certificate.Rates are accurate as of 04/25/17 and are subject to change without notice. $500 minimum required for Share Certificates. Substantial penalties may be imposed for early withdrawal and could reduce earnings.

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IRA Shares
Effective Date: 12/7/2010
Minimum Balance RequiredDividend RateAPY1
<$1,000 0.10% 0.10%
$1,000 - $2,499 0.10% 0.10%
$2,500 - $4,999 0.10% 0.10%
$5,000 - $9,999 0.10% 0.10%
$10,000 - $24,999 0.15% 0.15%
$25,000 - $49,999 0.15% 0.15%
$50,000 - $99,999 0.20% 0.20%
$100,000 and above 0.20% 0.20%

1APY = Annual Percentage Yield. Rates are accurate as of 12/7/10 and are subject to change without notice. You must maintain the minimum daily balance in your account each day to obtain the disclosed Annual Percentage Yield. Rates for variable rate accounts are subject to change after the account has been opened.

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IRA Money Market
Effective Date: 10/8/2011
Minimum Balance RequiredDividend RateAPY1
<$1,000 0.00% 0.00%
$1,000 - $2,499 0.15% 0.15%
$2,500 - $4,999 0.15% 0.15%
$5,000 - $9,999 0.20% 0.20%
$10,000 - $24,999 0.25% 0.25%
$25,000 - $49,999 0.30% 0.30%
$50,000 - $99,999 0.30% 0.30%
$100,000 and above 0.35% 0.35%

1APY = Annual Percentage Yield. Rates are accurate as of 10/8/11 and are subject to change without notice. You must maintain the minimum daily balance in your account each day to obtain the disclosed Annual Percentage Yield. Rates for variable rate accounts are subject to change after the account has been opened.

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