# Sandia Area Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/sandia-area-federal-credit-union
Institution: Sandia Area Federal Credit Union (NCUA 11316)
Aliases: 
Status: live
Last verified: 2026-10-23T02:11:03.000Z (October 22, 2026)
Official source: https://www.sandia.org/certificates
Coverage: Membership required. Share certificates from 6 to 48 months. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share Certificate | standard | 6 months | $500 | 3.75% | Not ZIP-priced | −0.65% | 2026-10-23T02:11:03.000Z | [Snapshot 875](https://apyledger.com/snapshots/875) |
| Share Certificate | standard | 12 months | $500 | 3.80% | Not ZIP-priced | −0.77% | 2026-10-23T02:11:03.000Z | [Snapshot 875](https://apyledger.com/snapshots/875) |
| Share Certificate | standard | 18 months | $500 | 3.95% | Not ZIP-priced | −0.77% | 2026-10-23T02:11:03.000Z | [Snapshot 875](https://apyledger.com/snapshots/875) |
| Share Certificate | standard | 24 months | $500 | 4.10% | Not ZIP-priced | −0.77% | 2026-10-23T02:11:03.000Z | [Snapshot 875](https://apyledger.com/snapshots/875) |
| Share Certificate | standard | 36 months | $500 | 4.15% | Not ZIP-priced | −0.80% | 2026-10-23T02:11:03.000Z | [Snapshot 875](https://apyledger.com/snapshots/875) |
| Share Certificate | standard | 48 months | $500 | 4.20% | Not ZIP-priced | −0.78% | 2026-10-23T02:11:03.000Z | [Snapshot 875](https://apyledger.com/snapshots/875) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.