Credit union · NCUA insured
Sandia Area Federal Credit Union Credit Card Rates
Top CarrotSandia Area Federal Credit Union credit cards start at 8.74% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Sandia Area Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Albuquerque, NM, where Sandia Area Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Sandia Area Federal Credit Union
8.74%APR
- Up to
- 17.99% APR
Access Mastercard
Lowest rate
State Employees Credit Union
7.50%APR
- Up to
- —
3rd-lowest rate
Kirtland Credit Union
9.50%APR
- Up to
- 16.25% APR
Sandia Area Federal Credit Union credit card score
89
Credit card score
Higher than 87% of U.S. banks and credit unions
- Purchase APRPurchase APR8.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sandia Area Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Access Mastercard
Membership eligibility required. Subject to credit approval. Variable APR will not exceed 17.99% APR. Simple interest with no pre-payment penalty.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 2.99% | None | Introductory offer on new purchases performed within the first 12 billing cycles from account opening date for new accounts (or first date of new billing cycle for upgraded accounts). Beginning on 13th billing cycle, converts to current purchase APR. |
| Intro, 12 months | 3.99% | None | Introductory balance transfer offer for the first 12 billing cycles on balance transfers made within the first 60 days of account opening. Beginning 13th billing cycle, converts to current balance transfer APR. No balance transfer fee. |
| Ongoing | 8.74%–17.99% | None | Variable regular APR based on creditworthiness; lowest rate assumes excellent credit history. No annual, balance transfer, or cash advance fees. |
Sources (3)
All captured Oct 3, 2026
Access Secured Mastercard
Membership eligibility required. Subject to credit approval. Simple interest with no pre-payment penalty.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.50%–17.50% | None | Based on creditworthiness; lowest rate assumes excellent credit history. No annual, balance transfer, or cash advance fees. |
Sources (1)
- sandia.org/current-loan-rates · captured Oct 3, 2026
Ascend Rewards Mastercard
Membership eligibility required. Subject to credit approval. Variable APR will not exceed 17.99% APR. Simple interest with no pre-payment penalty.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 3.99% | None | Introductory balance transfer offer for 12 billing cycles on transfers made within 60 days of account opening. Beginning 13th billing cycle, converts to current balance transfer APR. No balance transfer fee. |
| Ongoing | 10.24%–17.99% | None | Variable regular APR based on creditworthiness; lowest rate assumes excellent credit history. No annual, balance transfer, or cash advance fees. |
Sources (3)
All captured Oct 3, 2026
Cash Back Rewards Mastercard
Membership eligibility required. Subject to credit approval. Variable APR will not exceed 17.99% APR. Simple interest with no pre-payment penalty.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 3.99% | None | Introductory balance transfer offer for the first 12 billing cycles on transfers made in the first 60 days of account opening. Beginning 13th billing cycle, converts to current balance APR. No balance transfer fee. |
| Ongoing | 14.49%–17.99% | None | Variable regular APR based on creditworthiness; lowest rate assumes excellent credit history. No annual, balance transfer, or cash advance fees. |
Sources (3)
All captured Oct 3, 2026
Who can join Sandia Area Federal Credit Union
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.
Membership information collected October 4, 2026.