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 108th largest credit union in the nation. It was established in 1948 and as of December of 2021, it had grown to 393 employees and 133,128 members at 11 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 - YTD0.73%
Return on Equity - YTD7.6%
Annual Interest Income$80.2MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$3.62B$3.11B
LoansQ4 2021vs Q4 2020$1.51B$1.45B
DepositsQ4 2021vs Q4 2020$3.25B$2.75B
Equity CapitalQ4 2021vs Q4 2020$344.7MM$329.5MM
Loan Loss AllowanceQ4 2021vs Q4 2020$6.7MM$7.3MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$3.4MM$3.2MM
Real Estate OwnedQ4 2021vs Q4 2020$201.00K$757.00K
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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


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