1. Do you currently have any outstanding judgments or have you ever filed for bankruptcy, had a debt adjustment plan confirmed under Chapter 13, Had Property Foreclosed Upon or Repossessed in the Last 7 yrs, or been a party in a lawsuit?
2. Is Your Income Likely to Decline in the next two years?
Additional Information
Do you work a minimum of 25 hours per week? (Disability Protection Eligibility question)*
Current members, unless you tell us otherwise your loan will be opened under your primary account. If you wish to have your loan opened under a different account, please enter that number below. A representative may call you to confirm account information.
**The following account types are ineligible for loans: Trust, Custodial, Representative Payee, Estate, and Deceased accounts.
A minimum deposit of $0 in your Account is required to fund your Secured Credit Card. Please enter the amount that you wish to deposit and secure on your new card.
Review and Submit
Branch Selection
Credit Card Information
Additional Loan Information
Applicant Information
Reference Information
Applicant Contact Information
Address
Your Identification
Your Secondary Identification
Financial Information
Previous Employment Information
Declaration
Additional Applicant Information
Additional Applicant Reference Information
Additional Applicant Contact Information
Additional Applicant Address
Additional Applicant Identification
Additional Applicant Secondary Identification
Additional Applicant Financial Information
Additional Applicant Previous Employment Information
Additional Applicant Declaration
Additional Information
Additional Applicant Additional Information
Eligibility
Because membership is required to take advantage of this wonderful loan product, please tell us how you qualify for membership.
I would like to establish eligibility through a membership with the
.
I am a current or retired employee of
.
(Family Member) I am a
of an existing SLFCU member. Their name is and they were eligible for membership through .
Select at least one of the following products required for membership
Primary Savings
Members of Sandia Laboratory FCU are required to have a primary savings account with $5.00 on deposit. A Minimum of $100 earns lowest tier rate. Higher deposits yield higher Rate/APY.
A free checking account that earns dividends on balances over $500, and with no minimum deposits, no monthly fees, and 10 free ATM transactions a month.
Max APY: 0.05%Min Deposit: $0.00
Quick Cash Checking
A free checking account with no minimum deposit, no monthly fees, and 20 free ATM transactions a month.
Min Deposit: $0.00
Share Savings
Open a savings account with as little as $5. Minimum deposit of $100 earns lowest tier rate. Higher deposits yield higher rate/APY.
Max APY: 0.10%Min Deposit: $5.00
3-Month Term Certificate
The Share Certificate (CD) offers higher savings yields for a 3 month term.
Max APY: 3.76%Min Deposit: $500.00
12-Month Term Certificate
The Share Certificate (CD) offers higher savings yields for a 12 month term.
Max APY: 3.50%Min Deposit: $500.00
24-Month Term Certificate
The Share Certificate (CD) offers higher savings yields for a 24 month term.
Max APY: 3.05%Min Deposit: $500.00
36-Month Term Certificate
The Share Certificate (CD) offers higher savings yields for a 36 month term.
Max APY: 3.24%Min Deposit: $500.00
48-Month Term Certificate
The Share Certificate (CD) offers higher savings yields for a 48 month term.
Max APY: 3.19%Min Deposit: $500.00
60-Month Term Certificate
The Share Certificate (CD) offers higher savings yields for a 60 month term.
Max APY: 3.24%Min Deposit: $500.00
Money Market Savings
Open a Money Market Savings account with $2,500 or more.
Max APY: 0.75%Min Deposit: $2,500.00
APY (Annual Percentage Yield)
Your Selected Products
Dividend Rate
APY
Minimum Balance
Minimum Deposit
Term (days)
0.00%
0.00%
$0.00
$0.00
N/A
0.05%
0.05%
$500.00
$0.00
N/A
Dividend Rate
0.00%
APY:
0.00%
Minimum Balance:
$0.00
Min Deposit:
$0.00
Term (days):
N/A
Dividend Rate
0.05%
APY:
0.05%
Minimum Balance:
$500.00
Min Deposit:
$0.00
Term (days):
N/A
Dividend Rate
APY
Minimum Balance
Minimum Deposit
Term (days)
0.00%
0.00%
$0.00
$5.00
N/A
0.05%
0.05%
$100.00
$5.00
N/A
0.10%
0.10%
$10,000.00
$5.00
N/A
0.10%
0.10%
$50,000.00
$5.00
N/A
Dividend Rate
0.00%
APY:
0.00%
Minimum Balance:
$0.00
Min Deposit:
$5.00
Term (days):
N/A
Dividend Rate
0.05%
APY:
0.05%
Minimum Balance:
$100.00
Min Deposit:
$5.00
Term (days):
N/A
Dividend Rate
0.10%
APY:
0.10%
Minimum Balance:
$10,000.00
Min Deposit:
$5.00
Term (days):
N/A
Dividend Rate
0.10%
APY:
0.10%
Minimum Balance:
$50,000.00
Min Deposit:
$5.00
Term (days):
N/A
Dividend Rate
APY
Minimum Balance
Minimum Deposit
Term (months)
3.55%
3.60%
$500.00
$500.00
3 (min)
3.60%
3.65%
$50,000.00
$500.00
3 (min)
3.65%
3.71%
$100,000.00
$500.00
3 (min)
3.70%
3.76%
$200,000.00
$500.00
3 (min)
Dividend Rate
3.55%
APY:
3.60%
Minimum Balance:
$500.00
Min Deposit:
$500.00
Term (months):
3 (min)
Dividend Rate
3.60%
APY:
3.65%
Minimum Balance:
$50,000.00
Min Deposit:
$500.00
Term (months):
3 (min)
Dividend Rate
3.65%
APY:
3.71%
Minimum Balance:
$100,000.00
Min Deposit:
$500.00
Term (months):
3 (min)
Dividend Rate
3.70%
APY:
3.76%
Minimum Balance:
$200,000.00
Min Deposit:
$500.00
Term (months):
3 (min)
Dividend Rate
APY
Minimum Balance
Minimum Deposit
Term (days)
0.25%
0.25%
$2,500.00
$2,500.00
N/A
0.40%
0.40%
$10,000.00
$2,500.00
N/A
0.55%
0.55%
$25,000.00
$2,500.00
N/A
0.75%
0.75%
$50,000.00
$2,500.00
N/A
Dividend Rate
0.25%
APY:
0.25%
Minimum Balance:
$2,500.00
Min Deposit:
$2,500.00
Term (days):
N/A
Dividend Rate
0.40%
APY:
0.40%
Minimum Balance:
$10,000.00
Min Deposit:
$2,500.00
Term (days):
N/A
Dividend Rate
0.55%
APY:
0.55%
Minimum Balance:
$25,000.00
Min Deposit:
$2,500.00
Term (days):
N/A
Dividend Rate
0.75%
APY:
0.75%
Minimum Balance:
$50,000.00
Min Deposit:
$2,500.00
Term (days):
N/A
Dividend Rate
APY
Minimum Balance
Minimum Deposit
Term (months)
3.79%
3.85%
$500.00
$500.00
6 (min)
3.84%
3.90%
$50,000.00
$500.00
6 (min)
3.89%
3.96%
$100,000.00
$500.00
6 (min)
3.94%
4.01%
$200,000.00
$500.00
6 (min)
Dividend Rate
3.79%
APY:
3.85%
Minimum Balance:
$500.00
Min Deposit:
$500.00
Term (months):
6 (min)
Dividend Rate
3.84%
APY:
3.90%
Minimum Balance:
$50,000.00
Min Deposit:
$500.00
Term (months):
6 (min)
Dividend Rate
3.89%
APY:
3.96%
Minimum Balance:
$100,000.00
Min Deposit:
$500.00
Term (months):
6 (min)
Dividend Rate
3.94%
APY:
4.01%
Minimum Balance:
$200,000.00
Min Deposit:
$500.00
Term (months):
6 (min)
Dividend Rate
APY
Minimum Balance
Minimum Deposit
Term (months)
3.30%
3.35%
$500.00
$500.00
12 (min)
3.35%
3.40%
$50,000.00
$500.00
12 (min)
3.40%
3.45%
$100,000.00
$500.00
12 (min)
3.45%
3.50%
$200,000.00
$500.00
12 (min)
Dividend Rate
3.30%
APY:
3.35%
Minimum Balance:
$500.00
Min Deposit:
$500.00
Term (months):
12 (min)
Dividend Rate
3.35%
APY:
3.40%
Minimum Balance:
$50,000.00
Min Deposit:
$500.00
Term (months):
12 (min)
Dividend Rate
3.40%
APY:
3.45%
Minimum Balance:
$100,000.00
Min Deposit:
$500.00
Term (months):
12 (min)
Dividend Rate
3.45%
APY:
3.50%
Minimum Balance:
$200,000.00
Min Deposit:
$500.00
Term (months):
12 (min)
Dividend Rate
APY
Minimum Balance
Minimum Deposit
Term (months)
3.30%
3.35%
$500.00
$500.00
18 (min)
3.35%
3.40%
$50,000.00
$500.00
18 (min)
3.40%
3.45%
$100,000.00
$500.00
18 (min)
3.45%
3.50%
$200,000.00
$500.00
18 (min)
Dividend Rate
3.30%
APY:
3.35%
Minimum Balance:
$500.00
Min Deposit:
$500.00
Term (months):
18 (min)
Dividend Rate
3.35%
APY:
3.40%
Minimum Balance:
$50,000.00
Min Deposit:
$500.00
Term (months):
18 (min)
Dividend Rate
3.40%
APY:
3.45%
Minimum Balance:
$100,000.00
Min Deposit:
$500.00
Term (months):
18 (min)
Dividend Rate
3.45%
APY:
3.50%
Minimum Balance:
$200,000.00
Min Deposit:
$500.00
Term (months):
18 (min)
Dividend Rate
APY
Minimum Balance
Minimum Deposit
Term (months)
2.81%
2.84%
$500.00
$500.00
24 (min)
2.86%
2.89%
$50,000.00
$500.00
24 (min)
2.91%
2.94%
$100,000.00
$500.00
24 (min)
2.96%
3.00%
$200,000.00
$500.00
24 (min)
3.01%
3.05%
$500,000.00
$500.00
24 (min)
Dividend Rate
2.81%
APY:
2.84%
Minimum Balance:
$500.00
Min Deposit:
$500.00
Term (months):
24 (min)
Dividend Rate
2.86%
APY:
2.89%
Minimum Balance:
$50,000.00
Min Deposit:
$500.00
Term (months):
24 (min)
Dividend Rate
2.91%
APY:
2.94%
Minimum Balance:
$100,000.00
Min Deposit:
$500.00
Term (months):
24 (min)
Dividend Rate
2.96%
APY:
3.00%
Minimum Balance:
$200,000.00
Min Deposit:
$500.00
Term (months):
24 (min)
Dividend Rate
3.01%
APY:
3.05%
Minimum Balance:
$500,000.00
Min Deposit:
$500.00
Term (months):
24 (min)
Dividend Rate
APY
Minimum Balance
Minimum Deposit
Term (months)
4.11%
4.18%
$5,000.00
$5,000.00
14 (min)
4.26%
4.34%
$25,000.00
$5,000.00
14 (min)
4.42%
4.51%
$50,000.00
$5,000.00
14 (min)
4.58%
4.67%
$75,000.00
$5,000.00
14 (min)
4.73%
4.83%
$100,000.00
$5,000.00
14 (min)
Dividend Rate
4.11%
APY:
4.18%
Minimum Balance:
$5,000.00
Min Deposit:
$5,000.00
Term (months):
14 (min)
Dividend Rate
4.26%
APY:
4.34%
Minimum Balance:
$25,000.00
Min Deposit:
$5,000.00
Term (months):
14 (min)
Dividend Rate
4.42%
APY:
4.51%
Minimum Balance:
$50,000.00
Min Deposit:
$5,000.00
Term (months):
14 (min)
Dividend Rate
4.58%
APY:
4.67%
Minimum Balance:
$75,000.00
Min Deposit:
$5,000.00
Term (months):
14 (min)
Dividend Rate
4.73%
APY:
4.83%
Minimum Balance:
$100,000.00
Min Deposit:
$5,000.00
Term (months):
14 (min)
Dividend Rate
APY
Minimum Balance
Minimum Deposit
Term (months)
3.05%
3.09%
$500.00
$500.00
36 (min)
3.10%
3.14%
$50,000.00
$500.00
36 (min)
3.15%
3.19%
$100,000.00
$500.00
36 (min)
3.20%
3.24%
$200,000.00
$500.00
36 (min)
Dividend Rate
3.05%
APY:
3.09%
Minimum Balance:
$500.00
Min Deposit:
$500.00
Term (months):
36 (min)
Dividend Rate
3.10%
APY:
3.14%
Minimum Balance:
$50,000.00
Min Deposit:
$500.00
Term (months):
36 (min)
Dividend Rate
3.15%
APY:
3.19%
Minimum Balance:
$100,000.00
Min Deposit:
$500.00
Term (months):
36 (min)
Dividend Rate
3.20%
APY:
3.24%
Minimum Balance:
$200,000.00
Min Deposit:
$500.00
Term (months):
36 (min)
Dividend Rate
APY
Minimum Balance
Minimum Deposit
Term (months)
3.00%
3.04%
$500.00
$500.00
48 (min)
3.05%
3.09%
$50,000.00
$500.00
48 (min)
3.10%
3.14%
$100,000.00
$500.00
48 (min)
3.15%
3.19%
$200,000.00
$500.00
48 (min)
Dividend Rate
3.00%
APY:
3.04%
Minimum Balance:
$500.00
Min Deposit:
$500.00
Term (months):
48 (min)
Dividend Rate
3.05%
APY:
3.09%
Minimum Balance:
$50,000.00
Min Deposit:
$500.00
Term (months):
48 (min)
Dividend Rate
3.10%
APY:
3.14%
Minimum Balance:
$100,000.00
Min Deposit:
$500.00
Term (months):
48 (min)
Dividend Rate
3.15%
APY:
3.19%
Minimum Balance:
$200,000.00
Min Deposit:
$500.00
Term (months):
48 (min)
Dividend Rate
APY
Minimum Balance
Minimum Deposit
Term (months)
3.05%
3.09%
$500.00
$500.00
60 (min)
3.10%
3.14%
$50,000.00
$500.00
60 (min)
3.15%
3.19%
$100,000.00
$500.00
60 (min)
3.20%
3.24%
$200,000.00
$500.00
60 (min)
Dividend Rate
3.05%
APY:
3.09%
Minimum Balance:
$500.00
Min Deposit:
$500.00
Term (months):
60 (min)
Dividend Rate
3.10%
APY:
3.14%
Minimum Balance:
$50,000.00
Min Deposit:
$500.00
Term (months):
60 (min)
Dividend Rate
3.15%
APY:
3.19%
Minimum Balance:
$100,000.00
Min Deposit:
$500.00
Term (months):
60 (min)
Dividend Rate
3.20%
APY:
3.24%
Minimum Balance:
$200,000.00
Min Deposit:
$500.00
Term (months):
60 (min)
Would you like to set up Overdraft Protection from your primary savings account?*
Yes
No
Courtesy Pay is a service that may allow overdrafts to your checking account for certain transactions. This means, even if you do not have money available in your checking account, SLFCU may still authorize and pay automatic bill payments and other transactions that result in overdrafts to your account. When you take advantage of Courtesy Pay, you will be assessed an NSF fee for each overdraft. SLFCU’s NSF fee is $25 and we will not charge more than six NSF fees per account per day. When you take advantage of Courtesy Pay, you will be assessed an NSF fee for each overdraft. SLFCU’s NSF fee is $25 and we will not charge more than six NSF fees per account per day.Would you like to Opt-Out of Courtesy Pay for checks and ACH Transactions?*
Yes
No
Would you like a debit card?*
Yes
No
Courtesy Pay may cover overdrafts of one-time debit card transactions (excluding ATM withdrawals) if you opt in for this coverage. The same fees for our standard overdraft practices apply. Would you like your one-time debit card purchases covered by Courtesy Pay, a service we call Courtesy Pay Plus?*
Yes
No
Would you like to set up Overdraft Protection from your primary savings account?*
Yes
No
Courtesy Pay is a service that may allow overdrafts to your checking account for certain transactions. This means, even if you do not have money available in your checking account, SLFCU may still authorize and pay automatic bill payments and other transactions that result in overdrafts to your account. When you take advantage of Courtesy Pay, you will be assessed an NSF fee for each overdraft. SLFCU’s NSF fee is $25 and we will not charge more than six NSF fees per account per day. When you take advantage of Courtesy Pay, you will be assessed an NSF fee for each overdraft. SLFCU’s NSF fee is $25 and we will not charge more than six NSF fees per account per day.Would you like to Opt-Out of Courtesy Pay for checks and ACH Transactions?*
Yes
No
Would you like a debit card?*
Yes
No
Courtesy Pay may cover overdrafts of one-time debit card transactions (excluding ATM withdrawals) if you opt in for this coverage. The same fees for our standard overdraft practices apply. Would you like your one-time debit card purchases covered by Courtesy Pay, a service we call Courtesy Pay Plus?*
Yes
No
Please answer the following question(s)
Unless you tell us otherwise, we will decline any transaction that causes you to go over your credit limit. If you would like us to authorize these transactions you can request to add over-the-credit limit coverage, understanding that you will be charged a fee of $25 for this service.*
Were you referred by an existing member?
Please enter Refer a Friend promotion code.
Please choose a verbal password for your account that will help in identifying you for future interactions. Alphanumeric characters only; minimum of 3, maximum of 15.*
Re-enter: Please choose a verbal password for your account that will help in identifying you for future interactions. Alphanumeric characters only; minimum of 3, maximum of 15.
Do you expect to deposit or withdrawal more than $10,000 in cash per month?*
How often do you expect to send or receive money from outside the United States?*
Do you expect to receive gig/side job income that will occur as regular (at least twice a month) deposits?*
Protection that Matters
Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is available for most loan products
Would you like more information about protecting your loan payment or balance with Credit Life and Credit Disability Insurance from your lender?
Debt Protection is available with most loans by the credit union. It is designed to cancel your loan payment or balance, up to the contract maximums, if a protected life event occurs. Available package options will include one or more of the following life events: Life, Disability or involuntary unemployment.
Would you like more information about protecting your loan payment or balance with Debt Protection from your lender?
MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is an optional protection product made available by the credit union. In the event of a total loss, GAP is designed to cancel the difference between your primary insurance settlement and the outstanding loan balance, up to the contract maximums. For more information, call or visit the credit union.
Would you like more information about protecting your loan with GAP from your lender?
Mechanical Repair Coverage can help you limit the cost of covered vehicle breakdowns.
Would you like more information about Mechanical Repair Coverage from your lender?
Read, Sign and Submit
Your application is not complete until you read the disclosure below and click the “I Agree” button in order to submit your application.
You are now ready to submit your application! By clicking on "I agree", you authorize us to verify the information you submitted and obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application. You also authorize us to use information in your credit report to offer you other products or services for which you may qualify.
Email Agreements & Disclosures
close
The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.
Funding is required to complete your account activation. If you choose to fund later, a representative will reach out to you. This may delay your account activation.
Funding is required to complete your account activation. If you choose to fund later, a representative will reach out to you. This may delay your account activation.
This modal is for testing the Apple Pay workflow only. It will not be displayed to the applicants. Press the Success button to simulate a successful Apple Pay transaction. Press the Fail button to simulate an unsuccessful Apple Pay transaction.
We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.
1. Do you currently have any outstanding judgments or have you ever filed for bankruptcy, had a debt adjustment plan confirmed under Chapter 13, Had Property Foreclosed Upon or Repossessed in the Last 7 yrs, or been a party in a lawsuit?
2. Is Your Income Likely to Decline in the next two years?
Additional Information
Do you work a minimum of 25 hours per week? (Disability Protection Eligibility question)*
Current members, unless you tell us otherwise your loan will be opened under your primary account. If you wish to have your loan opened under a different account, please enter that number below. A representative may call you to confirm account information.
**The following account types are ineligible for loans: Trust, Custodial, Representative Payee, Estate, and Deceased accounts.
Authorized users can make purchases with the card. However, they are not the primary account holder and cannot make changes
to the account, such as requesting a credit increase or adding more authorized users. Primary account holders are responsible
for the repayment of all debts on the account, including all transactions made by authorized users.
We're sorry you have declined to use our automated prequalification system. If you prefer, please come to our offices to apply or call our Consumer Loan Department and a loan representative will be happily ready to assist you.
If you decide you would like to go through our instant decision process, please click on the following link to return to your application summary page and submit the application for decisioning.
The total amount to be deposited for a product type cannot exceed the limit defined in the following table. Please adjust the deposit amount for your requested products so they do not exceed the limit.