Sandia Area


P.o. Box 18044
Albuquerque, NM 87185
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.70% →
1-Year CD 1.00% 0.71% →
2-Year CD 1.25% 0.81% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Sandia Area is an NCUA insured institution located in Albuquerque, NM. It was founded in 1956 and has approximately $832.83 millions in assets.

Who can join?

You are eligible to join if you live, work, worship, volunteer, or attend school in the counties of Bernalillo, Cibola, Torrance and Valencia, as well as the City of Rio Rancho and Kirtland Air Force Base.

NCUA Insured Yes
Charter Number # # 11316
Date Established 1956
Assets $832.83 million
Loans $715.23 million
Deposits $716.20 million
Capital $95.30 million

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Bernalillo County (including Kirtland AFB), the city of Rio Rancho, Cibola County, Torrance County or Valencia County. Membership is also open to those who subscribe to the permaculture ethics, have completed a Permaculture Institute-recognized design course, or are members of an affiliated regional Permaculture Institute.

Deposit Rates - January 27, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.20% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.25% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.75% $10,000 $14,999 Learn More
6 Mo CD
0.75% $100,000 $199,999 Learn More
12 Mo CD
1.00% $10,000 $14,999 Learn More
12 Mo CD
1.00% $100,000 $199,999 Learn More
24 Mo CD
1.25% $10,000 $14,999 Learn More
24 Mo CD
1.25% $100,000 $199,999 Learn More
36 Mo CD
1.35% $10,000 $14,999 Learn More
36 Mo CD
1.35% $100,000 $199,999 Learn More
48 Mo CD
1.40% $10,000 $14,999 Learn More
48 Mo CD
1.40% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.10% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - January 27, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for SANDIA AREA

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
First Internet Bank
NMLS ID: 424182
2.650% 2.625% 0.38 $815 $1,005 Learn More
NMLS ID: 2890
License#: 13256
2.576% 2.500% 1.00 $2,500 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



Below are Sandia Area branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Sandia Area Locations

Financial Details

Sandia Area Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Sandia Area. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Sandia Area U.S. Average
5.72% 4.42

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2020, Sandia Area had $5,044,852 in non-current loans and $835,026 in owned assets. To cover these potential losses it had $95,298,781 in net worth and $7,506,568 in loans loss reserves. That gives it a Texas Ratio of 5.72%.

Net Worth
Sandia Area U.S. Average
11.44% 12.91%

Sandia Area FCU has a net worth of 11.44% versus the BestCashCow average of 12.91. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Sandia Area

Branches and Savings

What is Sandia Area?

A credit union, registered with the NCUA under certificate #11316.
Learn more about credit unions here.

Is Sandia Area FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Sandia Area?

Please see Field of Membership information above for information on who is eligible to join.

What are Sandia Area's share account and share certificate rates?

Sandia Area's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Sandia Area?

Sandia Area has total capital of $95.30 million. Full information on Sandia Area's financial position is located above.

Who owns Sandia Area?

Credit Unions are owned by their members.

Where are Sandia Area branches located?

See branch locations nearby.

Are Sandia Area ATMs Open 24/7?

Do Sandia Area ATMs accept cash deposits?

Can Sandia Area customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Sandia Area have a mobile app?

Does Sandia Area have mobile deposit?

Does Sandia Area have quick pay?

How can Sandia Area transfer money to other banks or credit unions?

Does Sandia Area report to credit bureaus?

Does Sandia Area use Chexsystems?

Does Sandia Area use Equifax?

What is Sandia Area's toll free phone number?

What is Sandia Area's ACH Routing Number?

What is Sandia Area's SWIFT code?

Where can I find Sandia Area's wire transfer form?

What is the Sandia Area address for deposits?

What Products Does Sandia Area Offer

Does Sandia Area offer mortgages?

Compare mortgage rates here.

Does Sandia Area offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Sandia Area offer auto and RV loans?

Compare auto loan rates here.

Does Sandia Area offer student loans or personal loans?

Compare personal loan rates here.

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