Credit union · NCUA insured
Sandia Area Federal Credit Union
Top CarrotA $1.4B credit union, the 357th largest of 4,329, headquartered in Albuquerque, NM, with 70,188 members and 7 branches in New Mexico. Best rates: CDs 4.20% and savings 2.00% APY.
Sandia Area Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 95% of U.S. banks and credit unions
#2 of 27 in Albuquerque, NM metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Sandia Area Federal Credit Union
Chartered in 1956 in Albuquerque, New Mexico, Sandia Area Federal Credit Union was originally founded as Sandia Base Military Federal Credit Union.
The member-owned credit union operates 7 branches and serves members in New Mexico and nationwide.
- Headquarters
- 8000 Palomas Ave NE, Albuquerque, NM 87109
- NCUA charter
- 11316
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Bernalillo, Sandoval, Santa Fe, Valencia, Torrance, Cibola, Rio Arriba, Mora, San Miguel, or Los Alamos counties are eligible for membership.
Employers and groups
- Anyone committed to Permaculture ethics, graduates of a Permaculture Institute-recognized design course, and members of an affiliated regional Permaculture Institute are eligible for membership.
Family and household
- Immediate family members of an existing Sandia Area member or Sandia Area employee are eligible for membership.
Cost to join
- Establishing membership requires a $5 share deposit and has no membership enrollment fees.
Branches
7 branches in New Mexico
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New Mexico
7 branches
Albuquerque area · 6
- Far NE HeightsMain office8000 Palomas Ave NE, Albuquerque, NM 87109Directions
- Candelaria8505 Candelaria Rd NE, Albuquerque, NM 87112Directions
- Kirtland1850 Wyoming Blvd SE, Albuquerque, NM 87117Directions
- Montgomery11301 Montgomery Blvd NE, Albuquerque, NM 87111Directions
- Westside6410 Coors Blvd NW, Albuquerque, NM 87120Directions
- Rio Rancho1601 Rio Rancho Blvd SE, Rio Rancho, NM 87124Directions
Santa Fe area · 1
- Santa Fe4881 Main Street, Santa Fe, NM 87507Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.44% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.15% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.23% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $100 | $88 | — |
- CapitalNet worth ratio11.44%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.15%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.23%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$100Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Sandia Area Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.