Sandia Laboratory Federal Credit Union

Overview / Commentary
3707 Juan Tabo Blvd NE
Albuquerque, NM 87111

Sandia Laboratory Federal Credit Union is headquartered in Albuquerque and is the 2nd largest credit union in the state of New Mexico. It is also the 113th largest credit union in the nation. It was established in 1948 and as of June of 2021, it had grown to 354 employees and 118,284 members at 10 locations. Sandia Laboratory Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Sandia Laboratory Federal Credit Union is open to employees of Sandia National Laboratories, Science Applications International Corporation, and over 300 other companies. Membership is also open to members of the National Museum of Nuclear Science & History (New Mexico residents only).
See current membership details

Reviews (3)

Currently They Have The Best Rate, 1.35% For Two Years, $500,000 Minimum

Posted by: |

Besides their regular qualification, you have to be:
• A resident of New Mexico or California
• A member of National Museum of Nuclear Science & History for $30 at a local branch OR
• A member of the Albuquerque International Association $60 individual per year Jan to Dec

They do a soft pull with Experian, not Equifax as I was told initially. Fortunately I unfroze with all three.

During the process at a local branch, only to be told I had to unfreeze with ChexSystem also. Fortunately I had the pin number with me to unfreeze. Took additional 25 minutes.

I love this credit union!

When I first applied for an account at Sandia, I was very pleased to learn that I could bank with this credit union without paying banking fees. I am happy with the personalized service I received. I had some issues with my accounts while out of the country and my banker went above and beyond to assist me in resolving them. I would recommend Sandia to all whom fit the criteria to bank with them!

A great local bank

I really enjoy using this bank. I had a problem while traveling in a foreign country. They assisted me perfectly, and kept our vacation experience positive. The woman I spoke with on the phone was very understanding, nice and helpful. She made sure that my checking and savings were going to continue working on my trip. I guess that by spending so much time out of the country it flagged all of my accounts, and denied me usage on both of my checking, and savings accounts. Apparently someone that worked at one of the places that I went, copied my card number, and tried to use it to buy a boat. They stopped the purchase, and froze all my accounts. I didn't find out until I went to pay for gas, and my card wouldn't work. I would recommend this bank to anyone!


Health Grade Components

NCUA #5851
Year Chartered1948
Primary Regulator
Profit Margin
Return on Assets - YTD0.87%
Return on Equity - YTD8.78%
Annual Interest Income$38.1MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$3.31B$2.89B
LoansQ2 2021vs Q2 2020$1.43B$1.44B
DepositsQ2 2021vs Q2 2020$2.95B$2.55B
Equity CapitalQ2 2021vs Q2 2020$323.5MM$315.9MM
Loan Loss AllowanceQ2 2021vs Q2 2020$6.6MM$6.5MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$2.9MM$2.5MM
Real Estate OwnedQ2 2021vs Q2 2020$446.00K$958.00K
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Always verify rates and promotions with the bank or credit union. We are not Sandia Laboratory Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Sandia Laboratory Federal Credit Union Savings Account Rates

0.15%*$10k*-Share Savings
OTHER TIERS: 0.10% $100 - $10k
0.15%*$10k*-IRA Savings
OTHER TIERS: 0.10% $5 - $10k

Sandia Laboratory Federal Credit Union Money Market Rates

0.25%*$25k*- Money Market Savings
OTHER TIERS: 0.15% $2.5k - $10k | 0.20% $10k - $25k

Sandia Laboratory Federal Credit Union Checking Account Rates

0.05%$500-Money Manager Checking

Sandia Laboratory Federal Credit Union CD Rates

1.30%*$200k*-60 Month CD
OTHER TIERS: 1.15% $1k - $50k | 1.20% $50k - $100k | 1.25% $100k - $200k
1.25%*$200k*-48 Month CD
OTHER TIERS: 1.10% $1k - $50k | 1.15% $50k - $100k | 1.20% $100k - $200k
1.15%*$200k*-36 Month CD
OTHER TIERS: 1.00% $1k - $50k | 1.05% $50k - $100k | 1.10% $100k - $200k
0.85%$500k-24 Month CD with $500,000 Minimum
0.80%*$200k*-24 Month CD
OTHER TIERS: 0.65% $1k - $50k | 0.70% $50k - $100k | 0.75% $100k - $200k
0.70%*$200k*-18 Month Bump Up CD
OTHER TIERS: 0.55% $2k - $50k | 0.60% $50k - $100k | 0.65% $100k - $200k
0.70%*$200k*-12 Month CD
OTHER TIERS: 0.55% $1k - $50k | 0.60% $50k - $100k | 0.65% $100k - $200k
0.45%*$200k*-6 Month CD
OTHER TIERS: 0.30% $1k - $50k | 0.35% $50k - $100k | 0.40% $100k - $200k
0.35%*$200k*-3 Month CD
OTHER TIERS: 0.20% $1k - $50k | 0.25% $50k - $100k | 0.30% $100k - $200k

Sandia Laboratory Federal Credit Union IRA Rates

1.35%*$200k*-60 Month IRA
OTHER TIERS: 1.20% $1k - $50k | 1.25% $50k - $100k | 1.30% $100k - $200k
1.30%*$200k*-48 Month IRA
OTHER TIERS: 1.15% $1k - $50k | 1.20% $50k - $100k | 1.25% $100k - $200k
1.20%*$200k*-36 Month IRA
OTHER TIERS: 1.05% $1k - $50k | 1.10% $50k - $100k | 1.15% $100k - $200k
0.90%$500k-24 Month IRA with $500,000 Minimum
0.85%*$200k*-24 Month IRA
OTHER TIERS: 0.70% $1k - $50k | 0.75% $50k - $100k | 0.80% $100k - $200k
0.75%*$200k*-18 Month Bump Up IRA
OTHER TIERS: 0.60% $2k - $50k | 0.65% $50k - $100k | 0.70% $100k - $200k
0.75%*$200k*-12 Month IRA
OTHER TIERS: 0.60% $1k - $50k | 0.65% $50k - $100k | 0.70% $100k - $200k
0.50%*$200k*-6 Month IRA
OTHER TIERS: 0.35% $1k - $50k | 0.40% $50k - $100k | 0.45% $100k - $200k
0.40%*$200k*-3 Month IRA
OTHER TIERS: 0.25% $1k - $50k | 0.30% $50k - $100k | 0.35% $100k - $200k

Cities: Albuquerque, Edgewood, Livermore, Los Lunas, Rio Rancho

Albuquerque Branches
Branch OfficeKAFBAlbuquerque, NM 87117-0001
Branch Office8920 Holly Ave NEAlbuquerque, NM 87122
Branch Office3707 Juan Tabo Blvd NEAlbuquerque, NM 87111
Branch Office3740 Ellison Rd NWAlbuquerque, NM 87114
Branch Office1301 Britt St SEAlbuquerque, NM 87123-4054

Edgewood Branches
Branch Office1 Liberty Square CirEdgewood, NM 87015-7187

Livermore Branches
Branch Office39 S Livermore Ave Ste 101Livermore, CA 94550-3119
Branch Office7011 East AveLivermore, CA 94550-9610

Los Lunas Branches
Branch Office2700 Palmilla Rd NWLos Lunas, NM 87031

Rio Rancho Branches
Branch Office1900 Wellspring Ave SERio Rancho, NM 87124-4791

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