Sandia Area Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Sandia Area Federal Credit Union's highest tracked CD (share certificate) rate is 4.20% APY on a 48-month CD ($500 minimum). That is 3.2 times the FDIC national average for 48-month CDs (1.31%). Standard CD rates range from 3.75% to 4.20% APY.
Tracking began .
Sandia Area Federal Credit Union CD & share certificate rates
Membership required. Share certificates from 6 to 48 months. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | Share Certificate | $500 | 3.75% | −0.65% | Top 32% of tracked 6-month CDs · Verified October 22, 2026 |
| 12 months | Share Certificate | $500 | 3.80% | −0.77% | Top 37% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Share Certificate | $500 | 3.95% | −0.77% | Top 31% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Share Certificate | $500 | 4.10% | −0.77% | Top 18% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Share Certificate | $500 | 4.15% | −0.80% | Top 12% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Share Certificate | $500 | 4.20% | −0.78% | Top 11% of tracked 48-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Sandia Area Federal Credit Union's best CD rates by term?
Sandia Area Federal Credit Union's best rate is 4.20% APY on 48 months, verified October 22, 2026.
- 6 mo3.75%
- 12 mo3.80%
- 18 mo3.95%
- 24 mo4.10%
- 36 mo4.15%
- 48 mo4.20%
How much interest could a Sandia Area Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$1,788.83 interest · $11,788.83 at maturity on $10,000.00.
4.20% APY · 48 months · Share Certificate · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $93.143.75% APY · Share Certificate · Standard | $186.293.75% APY · Share Certificate · Standard | $465.723.75% APY · Share Certificate · Standard | $931.443.75% APY · Share Certificate · Standard |
| 12 months | $190.003.80% APY · Share Certificate · Standard | $380.003.80% APY · Share Certificate · Standard | $950.003.80% APY · Share Certificate · Standard | $1,900.003.80% APY · Share Certificate · Standard |
| 18 months | $299.443.95% APY · Share Certificate · Standard | $598.883.95% APY · Share Certificate · Standard | $1,497.193.95% APY · Share Certificate · Standard | $2,994.383.95% APY · Share Certificate · Standard |
| 24 months | $418.404.10% APY · Share Certificate · Standard | $836.814.10% APY · Share Certificate · Standard | $2,092.024.10% APY · Share Certificate · Standard | $4,184.054.10% APY · Share Certificate · Standard |
| 36 months | $648.694.15% APY · Share Certificate · Standard | $1,297.384.15% APY · Share Certificate · Standard | $3,243.464.15% APY · Share Certificate · Standard | $6,486.914.15% APY · Share Certificate · Standard |
| 48 months | $894.424.20% APY · Share Certificate · Standard | $1,788.834.20% APY · Share Certificate · Standard | $4,472.094.20% APY · Share Certificate · Standard | $8,944.174.20% APY · Share Certificate · Standard |
How Sandia Area Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1460-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 31 of 334 tracked institutions with fresh 1460-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Sandia Area Federal Credit Union (this institution)Share Certificate · Standard | 48 months | $500 | Membership required · branches in NM | 4.20% | October 22, 2026 |
| Popular DirectCD · Standard | 48 months | $10,000 | Available nationwide | 4.95% | October 22, 2026 |
| Bread SavingsBread Savings CD · Standard | 48 months | $1,500 | Available nationwide | 4.65% | October 22, 2026 |
| BarclaysOnline CD · Standard | 48 months | Not stated | Available nationwide | 4.50% | October 22, 2026 |
| Quorum Federal Credit Union (highest tracked APY for this term)48-Month Term Account · Standard | 48 months | $100 | Membership required · branches in NY | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 48 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.98% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Sandia Area Federal Credit Union on October 22, 2026.
About Sandia Area Federal Credit Union
- Legal name
- Sandia Area Federal Credit Union
- Regulator ID
- NCUA 11316
- Headquarters
- Albuquerque, NM
- Available in
- NM
- Total assets
- $1.4 billion
- Also known as
- Website
- www.sandia.org
Source: rates read from https://www.sandia.org/certificates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Sandia Area Federal Credit Union?
Among the rates we track, 4.20% APY on a 48-month CD, as of October 22, 2026.
What is the minimum deposit for a Sandia Area Federal Credit Union CD?
The lowest minimum we found is $500.
How does Sandia Area Federal Credit Union's best CD rate compare with Treasury yields?
4.20% APY is −0.78% versus the 48-month Treasury yield of 4.98% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.20% a good CD rate?
It is 3.2 times the FDIC national average for a similar term (1.31% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Sandia Area Federal Credit Union CDs insured?
Sandia Area Federal Credit Union is a federally insured credit union (NCUA 11316). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Sandia Area Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Sandia Area Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Sandia Area Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Sandia Area Federal Credit Union before opening an account. This page is not financial advice.