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Sandia Area

P.O. Box 18044, Albuquerque, NM 87185
NCUA Insured4.0 (222 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1956

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

P.O. Box 18044

Albuquerque, NM 87185

Service Area

This credit union is located in Albuquerque and serves members in the NM area. Currently serving 69,356 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.60%

Used Auto Loan

6.36%

Personal Loan

12.04%

Credit Card APR

12.16%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NM

Lowest rates currently reported by credit unions in NM (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(8 total)

Member Reviews

4.0

222 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
magicarp

magicarp

6 months ago

Worst company I've ever worked with. Their loan officers don't know anything about their jobs, never return calls, and are impossible to work with. I can't tell if they're overworked and underpaid or just incompetent because I've been working with someone for 3 weeks trying to move forward on a Home Equity Loan and she has absolutely no idea how to do her job. I'm writing this review because the experience alone has left such a sour taste in my mouth, and while I wanted to go with a local credit union, we're probably going to go with a big corporation because at least they return calls and know what they're doing.

Raymond Barela

Raymond Barela

5 months ago

I filled out a survey on Sandia Wyoming location and recivied a call back from manager wanting to know why my survey comments were not high. Shouldn't these surveys be confidential. So don't fill them out.

Mark Long

Mark Long

6 months ago

This bank is the most useless branch out of all the branches they have, can’t even be bothered to help members out when they don’t have there account information to deposit checks

Aaron Krueger

Aaron Krueger

a year ago

When applying for a car loan, they lied to me about the cost of the unemployment insurance. They told me it was included in the loan, my wife and I even had a discussion about it being free and they didn’t correct us. 4 months into the loan payments, I noticed a $50 charge on top of the loan. I went to a branch to figure out what charge this was and it literally took them an hour of waiting to tell me what the charge was. We asked for a refund since we were told it was free and said they’d call me back. I called 4 times and was told a manager would contact me and I still haven’t heard anything. Good news for us is we found out that refinancing with US Eagle was better since they have better rates, so I am actually saving more money than the amount that was scammed from us from Sandia Area. US Eagle have loan officers that actually know their stuff and made it quite easy to refinance. Update: someone reached out and rectified the problem. While it shouldn’t have taken this long, they eventually fixed it

Scott Shuman

Scott Shuman

a year ago

I recently got a motorcycle loan from Sandia Area, and the experience was fantastic. I chose this bank primarily because of their competitive interest rates, and I couldn't be happier with my decision. The staff were incredibly helpful and made the entire process smooth and straightforward. From start to finish, it was a seamless experience. Highly recommend Sandia Area for anyone looking for great rates and excellent service!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).