Sandia Area Federal Credit Union High-Yield Savings & Money Market Rates

How Sandia Area Federal Credit Union’s savings rates compare

Compared with banks and credit unions near Albuquerque, NM, where Sandia Area Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Sandia Area Federal Credit Union
3.00%APY
Requires
Monthly account activity
Minimum
—
Earns on $10,000 a year
$300
Peak PLUS High-Yield Savings
Top rate
Citizens Bank of Las Cruces
5.12%APY
Requires
Another account
Minimum
$25
Earns on $10,000 a year
$512
Citizens Bank of Las Cruces rates
2nd-highest rate
America First Credit Union
3.95%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$395
America First Credit Union rates

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Savings score

Higher than 84% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.10%
$10,000 balance$10,0002.00%
$100,000 balance$100,0002.00%
QualifiedQualified2.00%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where Sandia Area Federal Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Peak PLUS High-Yield Savings

Up to 3.00%APYRequirements apply

Available only to holders of a Peak PLUS High Yield Checking or Peak PLUS Cash Back Checking account. Limit of one Peak Plus High-Yield Savings account per membership. There are no recurring monthly maintenance charges or fees to open or close this account. No minimum balance is required to earn or receive rewards.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $200,000Qualifying rate. Applies to portion of balance $200,000.00 and below when minimum qualification requirements for the Peak PLUS Checking account are met during the monthly qualification cycle (15 debit card purchases post/settle, 1 ACH credit or direct deposit settle, and enrolled in e-statements). Rate is variable.	3.00%	$300	Qualifying rate. Applies to portion of balance $200,000.00 and below when minimum qualification requirements for the Peak PLUS Checking account are met during the monthly qualification cycle (15 debit card purchases post/settle, 1 ACH credit or direct deposit settle, and enrolled in e-statements). Rate is variable.
Any balanceBase/non-qualifying rate. Applies to entire balance if minimum qualification requirements during the monthly qualification cycle are not met. Rate is variable.	0.05%	$5	Base/non-qualifying rate. Applies to entire balance if minimum qualification requirements during the monthly qualification cycle are not met. Rate is variable.
Over $200,000Qualifying rate. Applies to portion of balance $200,000.01 or greater when minimum qualification requirements for the Peak PLUS Checking account are met during the monthly qualification cycle. Rate is variable.	0.50%	—	Qualifying rate. Applies to portion of balance $200,000.01 or greater when minimum qualification requirements for the Peak PLUS Checking account are met during the monthly qualification cycle. Rate is variable.

Sources (4)

All captured Oct 3, 2026

Grow Money Market

2.00%APY

Rates accurate as of 07/26/2023. Unmatched dividend rate for any balance over $500.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$500 – $10,000	2.00%	—
$10,000 – $25,000	2.00%	$200
$25,000 – $50,000	2.00%	—
$50,000 – $100,000	2.00%	—
$100,000 – $150,000	2.00%	—
$150,000 – $200,000	2.00%	—
$200,000 – $250,000	2.00%	—
$250,000 – $500,000	2.00%	—
$500,000 and up	2.00%	—

Sources (1)

sandia.org/grow · captured Sep 16, 2026

Traditional Savings

0.10%APY$5 to open

Sandia Area membership is required. No monthly maintenance fees. Required to establish membership. A low minimum balance of $5 is required.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $999Dividends are compounded and credited monthly.	0.05%	—	Dividends are compounded and credited monthly.
$1,000 – $49,999Dividends are compounded and credited monthly.	0.10%	$10	Dividends are compounded and credited monthly.
$50,000 and upDividends are compounded and credited monthly.	0.15%	—	Dividends are compounded and credited monthly.

Sources (3)

All captured Oct 3, 2026

Special-purpose accounts

IRA Money Market

0.10%APYIRA

You must maintain the minimum daily balance in your account each day to obtain the disclosed Annual Percentage Yield. Rates for variable rate accounts are subject to change after the account has been opened.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $1,000	0.00%	—
$1,000 – $10,000	0.10%	—
$10,000 – $25,000	0.10%	$10
$25,000 – $50,000	0.15%	—
$50,000 – $100,000	0.15%	—
$100,000 – $150,000	0.20%	—
$150,000 – $200,000	0.25%	—
$200,000 – $250,000	0.25%	—
$250,000 – $500,000	0.30%	—
$500,000 and up	0.30%	—

Sources (1)

sandia.org/ira-rates · captured Sep 16, 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.

Check membership requirements ↗Branches and institution details

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