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Flexible financing for you

Borrow from $500 to $40,000 on approved credit with competitive rates and terms up to 60 months. Use a Personal Loan for almost anything, including:

  • Car repairs
  • Vacations
  • Home improvements
  • Education costs
  • Medical bills
  • Taxes
  • Debt consolidation
  • Elective surgery

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Personal Loans
Effective Date: See below
LOAN PROGRAMTerm in MonthsAPR1 as low as
Share Secured2 CALL CALL
Line of Credit3 36 14.00%

Sandia Area is an Equal Opportunity Lender and membership is required. All loans are subject to credit approval. Rates and programs are subject to change without notice. We reserve the right to remove at any time.

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 07/22/2000 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 09/20/2023 and are subject to change without notice. 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 8.50% as of 07/28/2023. When a range of rates has been published, the highest rate will be used. The current margin is 5.5% and is subject to change. 

We also offer Savings Secured Loans

Want one of the lowest loan rates available anywhere? Borrow against your savings. Use your savings or certificate account as collateral for a loan.1

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