Find the latest Sandia Area Federal Credit Union CD Rates, Offers, and Promotions here.
Best CD Rates: 5.10% APY 6 Month Term, 5.00% APY 12 Month Term; $500 minimum deposit.
Availability: NM (Locator)
Credit Inquiry: Hard Pull or Soft Pull? Let us know
About Sandia Area Federal Credit Union
Sandia Area Federal Credit Union is headquartered in Albuquerque and is the 4th largest credit union in the state of New Mexico. It is also the 398th largest credit union in the nation. It was established in 1956 and as of June of 2023, it had grown to 179 employees and 82,124 members at 7 locations. Sandia Area Federal Credit Union’s CD rates are 6X the national average, and it has an A health rating.
Eligibility: Membership to Sandia Area Federal Credit Union is open to those who work, worship, live or attend school, or business and other legal entities located in the New Mexico counties of Bernalillo, Cibola, Torrance, or Valencia, or the city of Rio Rancho. Membership is also offered to those who subscribe to permaculture ethics, those who have completed a Permaculture Institute-recognized permaculture design course, or those who are members of an affiliated regional Permaculture Institute. See current membership details |
Term | APY Rate | Minimum Deposit |
6 Month | 5.10% | $500 |
12 Month | 5.00% | $500 |
24 Month | 4.25% | $500 |
36 Month | 4.00% | $500 |
48 Month | 3.10% | $500 |
*The above rates are accurate as of 12/13/2023*
Sandia Area Federal Credit Union CD Rates
CDs are a certificate issued by a bank to a person depositing money for a specified length of time. Usually the longer of a term, the higher APY rate you make.
With as little as $500, you can invest in a Sandia Area Federal Credit Union CD account to maximize your earnings. Compare their offering now to find the solutions that fit best with your savings goals. If you’re interested in making a higher rate than a traditional savings account then make sure to check out below CD rates.
- Minimum deposit: $500
- Maximum deposit: None listed
- Early withdrawal penalty: Yes
(NCUA Insured)
Alliant Credit Union 12-Month Certificate (4.05% APY) | Quontic Bank CD (Up to 4.25% APY) |
Western Alliance Bank 3-Month CD (4.50% APY) | Western Alliance Bank 12-Month CD (4.25% APY) |
Ponce Bank 3-Month CD (4.25% APY) | Blue Federal Credit Union 9-Month No Penalty CD (3.75% APY) |
Sun Canyon Bank 11-Month CD (3.98% APY) | Ponce Bank 4-Month No-Penalty CD (4.15% APY) |
Account Features
- Peace of mind with NCUA insurance to at least $250,000
- Provides higher dividends earnings than a regular savings account
- Funds from other financial institutions welcome
- IRA Share Certificates also available
- Open with as little as $500
- Once per term, you may withdraw up to 50% of your balance with no penalty with BetterAccess!
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Bottom Line
With a unique selection of CD lengths to choose from, you can be sure to find an account that best fits all your banking needs.
This is ideal for accounts like Certificate of Deposits, which require very little maintenance. The rates are worth a look, but always compare them with the nation’s best using our guides: CD Rates | Savings Rates.
This is a great opportunity to invest in a high-interest CD from Sandia Area Federal Credit Union. However, you may want to compare them with our best CD Rates:
- 6-Month CD Rates
- 9-Month CD Rates
- 12-Month CD Rates
- 18-Month CD Rates
- 24-Month CD Rates
- 36-Month CD Rates
- 48-Month CD Rates
- 60-Month CD Rates
- No Penalty CD Rates
You might even find yourself earning more than a regular savings account. Be sure to apply as soon as you can to start your new account experience. Check back often for the latest Sandia Area Federal Credit Union CD rates!
Disclaimer: Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.
Service Credit Union | 4.25% APY 9-Month CD | Review |
Western Alliance Bank | 4.50% APY 3-Month CD | Review |
Western Alliance Bank | 4.40% APY 6-Month CD | Review |
Rising Bank | 4.40% APY 6-Month CD | Review |
Rising Bank | 4.35% APY 15-Month CD | Review |
First Tech Federal Credit Union | 4.35% APY 13-Month Share Certificate | Review |
Quontic Bank | Up to 4.25% APY CD | Review |
Western Alliance Bank | 4.25% APY 12-Month CD | Review |
Ponce Bank | 4.25% APY 3-Month High Yield CD | Review |
Sallie Mae | 4.25% APY 14-Month CD | Review |
Ponce Bank | 4.15% APY 4-Month No-Penalty CD | Review |
Live Oak Bank | 4.10% APY 12-Month CD | Review |
Live Oak Bank | 4.10% APY 12-Month Business CD | Review |
First Mid Bank & Trust | 4.08% APY 9-Month CD | Review |
Alliant Credit Union | 4.05% APY 12-Month Certificate | Review |
Discover Bank | Up to 4.00% APY CD | Review |
Sun Canyon Bank | 3.98% APY 11-Month CD | Review |
Sallie Mae | 3.95% APY 10-Month CD | Review |
Western Alliance Bank | 3.85% APY 5-Month CD | Review |
GreenState Credit Union | 3.80% APY 10-Month CD | Review |
Blue Federal Credit Union | 3.75% APY 9-Month No Penalty CD | Review |
Blue Federal Credit Union | 3.75% APY 15-Month CD | Review |
CIT Bank | 3.50% APY 13-Month CD | Review |
CIT Bank | 3.50% APY 11-Month No-Penalty CD | Review |
Southwestern National Bank | 3.40% APY 8-Month CD | Review |
First Financial Northwest Bank | 3.00% APY 12-Month CD | Review |
Ponce Bank | 3.00% APY 1-Month High Yield CD | Review |
CIT Bank | 3.00% APY 6-Month CD | Review |
CIT Bank | 3.00% APY 18-Month CD | Review |
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