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Term Share Certificates

IRAs

New or Used Car, Truck, Van, Sport Utility Vehicle

Other Vehicles

Personal Loans/Lines of Credit

Education

Credit Cards

Secured Loans

Owner Occupied Mortgage Loans

Non-Owner Occupied Mortgage Loans

Sandia Laboratory Federal Credit Union Rates

PDF Rate Sheet

Fixed Rate Mortgages
Current 10-Year Treasury Securities Rates (Histories are also available.)

Share Savings

Rates effective July 26, 2010 - August 1, 2010

Account Type	Balance	APY*	Rate**


Share Savings: $100 to $9,999	$100 to $9,999	0.60	0.60


IRA Share Savings: $5 or more	$5 or more	0.60	0.60


Savings & IRA Share Savings: $10,000 to $49,999	$10,000 to $49,999	.80	.80


Savings & IRA Share Savings: $50,000 or more	$50,000 or more	1.01	1.00

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Share Draft Checking

Rates effective July 26, 2010 - August 1, 2010

Account Type	Balance	APY*	Rate**


Money Manager ^s1	$500 or more	0.25	0.25


Quick Cash ^s2	$15 initial deposit	n/a	n/a

(APY) Annual Percentage Yield if dividends are not withdrawn during the term. Share accounts are federally insured to $250,000 by the National Credit union Administration (NCUA), an agency of the US Government. Yields determined at the time of investment. If balance in any Special High-Balance Certificate drops below $50,000 during the term, the rate may decrease.

** (Rate) Dividend rate and APY are variable and may change at the discretion of the Board of Directors.

s1 Annual Percentage Yield as of effective date. There is no monthly service charge on member's first two Money Manager share draft checking accounts ($2 charge per month for each additional account); 10 ATM transactions per month at CU Anytime locations with no additional SLFCU service charge (additional transactions at CU anytime locations .$50 and at other ATMs $.75 each). Surcharges may be added at ATMs owned by other institutions, so look for CO-OP ATMs whenever you travel.

s2 There is no monthly service charge on member's first two Quick Cash share draft checking accounts ($2 per month for each additional account); 20 free ATM transactions per month at CU Anytime locations with no additional SLFCU service charge (additional transactions for $.75 each). Surcharges may be added at ATMs owned by other institutions, so look for CO-OP ATMs whenever you travel.

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Money Market

Rates effective July 26, 2010 - August 1, 2010

Account Type	Balance	APY*	Rate**


Sandia Investors' Choice Money Market: $2,500 - $9,999	$2,500 - $9,999	.70	.70


Sandia Investors' Choice Money Market: $10,000 - $24,999	$10,000 - $24,999	.90	.90


Sandia Investors' Choice Money Market: $25,000 - $49,999	$25,000 - $49,999	.95	.95


Sandia Investor's Choice Money Market: $50,000 and over	$50,000 and over	1.11	1.10

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Term Share Certificates

Rates effective July 26, 2010 - August 1, 2010

Account Type	Balance	APY*	Rate**


6 to 11 months: ^s3	$1,000 - $49,999	1.01	1.00


6 to 11 months ^s3	$50,000 - $99,999	1.11	1.10


6 to 11 months ^s3	$100,000 to $199,000	1.21	1.20


6 to 11 months^s3	200,000 and over	1.31	1.30


12 to 23 months ^s3	$1,000 - $49,999	1.16	1.15


12 to 23 months ^s3	$50,000 - $99,999	1.26	1.25


12 to 23 months ^s3	$100,000 to $199,000	1.36	1.35


12 to 23 months^S3	200,000 and over	1.46	1.45


18 month bump rate ^{s3, s4}	$2,000 - $49,999	1.41	1.40


18 month bump rate ^{s3, s4}	$50,000 - $99,999	1.51	1.50


18 month bump rate ^{s3, s4}	$100,000 to $199,000	1.61	1.60


18 month bump rate^{S3, S4}	200,000 and over	1.71	1.70


24 to 35 months ^s3	$1,000 - $49,999	1.82	1.80


24 to 35 months ^s3	$50,000 - $99,999	1.92	1.90


24 to 35 months ^s3	$100,000 to $199,000	2.02	2.00


24 to 35 months ^S3	$200,000 and over	2.12	2.10


36 months ^s3	$1,000 - $49,999	2.28	2.25


36 months ^s3	$50,000 - $99,999	2.38	2.35


36 months ^s3	$100,000 - $199,000	2.48	2.45


36 months	$200,000 and over	2.58	2.55


48 month variable rate up to $49,999 s3, s5	$1,000 - $49,999	1.01	1.00


48 month variable rate, $50,000 - $99,999 ^{s3, s5}	$50,000 - $99,999	1.11	1.10


48 month variable rate, $100,000 and over s3, s5	$100,000 to $199,000	1.21	1.20


48 month variable rate, $200,000 and over ^{S3, S5}	$200,000 and over	1.31	1.30

Annual Percentage Yield (APY) if dividends are not withdrawn during the term. Share accounts are federally insured to $250,000 by the National Credit union Administration (NCUA), an agency of the US Government. Yields determined at the time of investment. If balance in any Special High-Balance Certificate drops below $50,000 during the term, the rate may decrease.

** Dividend Rate and APY are variable and may change at the discretion of the Board of Directors.

s3 A penalty may be imposed for early withdrawal.

s4 The dividend rate and APY of the 18 month "bump rate" certificate may be changed to the current dividend rate and APY one time during the term at the owner's option.

s5 The dividend rate and APY of the 48 month certificate are variable.

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IRAs

Rates effective July 26, 2010 - August 1, 2010

Account Type	Balance	APY*	Rate**


6 to 11 months ^s3	$1,000 - $49,999	1.11	1.10


6 to 11 months ^s3	$50,000 - $99,999	1.21	1.20


6 to 11 months ^s3	$100,000 to $199,000	1.31	1.30


6 to 11 months	$200,000 and over	1.41	1.40


12 to 23 months ^s3	$1,000 - $49,999	1.26	1.25


12 to 23 months ^s3	$50,000 - $99,999	1.36	1.35


12 to 23 months ^s3	$100,000 to $199,000	1.46	1.45


12 to 23 months	$200,000 and over	1.51	1.50


18 month bump rate ^{s3, s4}	$2,000 - $49,999	1.56	1.55


18 month bump rate ^{s3, s4}	$50,000 - $99,999	1.61	1.60


18 month bump rate ^{s3, s4}	$100,000 to $199,000	1.71	1.70


18 month bump rate	$200,000 and over	1.82	1.80


24 to 35 months ^s3	$1,000- $49,999	1.92	1.90


24 to 35 months ^s3	$50,000 - $99,999	2.02	2.00


24 to 35 months ^s3	$100,000 to $199,000	2.12	2.10


24 to 36 months	$200,000	2.22	2.20


36 months ^s3	$1,000 - $49,999	2.38	2.35


36 months ^s3	$50,000 - $99,999	2.48	2.45


36 months ^s3	$100,000 to $199,000	2.58	2.55


36 months	$200,000 and over	2.69	2.65


48 month variable rate ^{s3, s5}	$1,000 - $49,999	1.01	1.00


48 month variable rate s3, s5	$50,000 - $99,999	1.11	1.10


48 month variable rate s3, s5	$100,000 to $199,000	1.21	1.20


48 month variable rate	$200,000 and over	1.31	1.30

* Annual Percentage Yield (APY) if dividends are not withdrawn during the term. Share accounts are federally insured to $250,000 by the National Credit Union Administration (NCUA), an agency of the US Government. Yields determined at the time of investment. If balance in any Special High-Balance Certificate drops below $50,000 during the term, the rate may decrease.

**Dividend Rate and APY are set according to your term.

s3 A penalty may be imposed for early withdrawal.

s4 The dividend rate and APY of the 18 month "bump rate" certificate may be changed to the current dividend rate and APY one time during the term at the owner's option.

s5 The dividend rate and APY of the 48 month certificate are variable.

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New or Used Car, Truck, Van, Sport Utility Vehicle

Rates effective July 26, 2010 - August 1, 2010

Account Type	Term	APR


New Car, Truck, Van, Sport Utility Vehicle ^c1	To 36 months	as low as 3.90%


New Car, Truck, Van, Sport Utility Vehicle ^c1	37 - 48 months	as low as 4.20%


New Car, Truck, Van, Sport Utility Vehicle ^c1	49 - 60 months	as low as 4.50%


New Car, Truck, Van, Sport Utility Vehicle ^c1	61 - 84 months	as low as 4.80%


Used Car, Truck, Van, Sport Utility Vehicle ^c1	To 36 months	as low as 4.05%


Used Car, Truck, Van, Sport Utility Vehicle ^c1	37 - 48 months	as low as 4.35%


Used Car, Truck, Van, Sport Utility Vehicle ^c1	49 - 60 months	as low as 4.65%


Used Car, Truck, Van, Sport Utility Vehicle ^c1	61 - 72 months	as low as 4.95%

C1 Non-variable rate loans, 100% financing available including tax, title, license and extended warranties. Vehicles from the current or two previous model years and mileage =<25,000 qualify for new car rates. Available rate is based on credit history and term and may be higher than rates listed here. All loans subject to credit approval. Rates subject to change without further notice.

Rates subject to chenge without further notice.

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Other Vehicles

Rates effective July 26, 2010 - August 1, 2010

Account Type	Term	APR	Note


Recreational Vehicles, New ^c2	Up to 240 months	as low as 6.45%	100% financing available.


Recreational Vehicles, Used ^c2	Up to 180 months	as low as 7.45%	10 years old or newer; 100% financing


New motorcycle, ATV, Boat, Boat Motor, Trailer ^c2	Up to 120 months	as low as 6.45%	100% financing available.


Used motorcycle, ATV, Boat, Boat Motor, Trailer ^c2	Up to 120 months	as low as 7.45%	10 years old or newer, 100% financing available

c2 Adjustable rate loan, subject to change, not everyone will qualify for lowest rate. Special conditions apply. Available rate is based on credit history and term and may be higher than rate(s) listed here. All loans subject to credit approval. Lowest APR is based on shortest term for product. Term based on amount financed.

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Personal Loans/Lines of Credit

Rates effective July 26, 2010 - August 1, 2010

Account Type	Term	APR	Note


Signature Loan ^c2	To 36 months	as low as 9.74%	Borrow up to your approved credit limit.


Signature Loan ^c2	37 - 48 months	as low as 10.24%	Borrow up to your approved credit limit.


Signature Loan ^C2	49-60 months	As low as 10.74%	Borrow up to your approved credit limit.


Signature CreditLine ^c2	To 48 months	as low as 10.49%	Borrow up to your approved credit limit.

C2 Adjustable rate loan, subject to change, not everyone will qualify for lowest rate. Special conditions apply. Available rate is based on credit history and term and may be higher than rate(s) listed here. All loans subject to credit approval. Lowest APR is based on shortest term for product. Term based on amount financed.

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Education

Rates effective July 26, 2010 - August 1, 2010

Account Type	Term	APR	Note


Student Loan ^c3	84 months	9.85%	Borrow up to $40,000 for college expenses.

C3 Adjustable rate loan, subject to change. All loans subject to credit approval. Special conditions apply. Check with credit union for details.

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Credit Cards

Rates effective July 26, 2010 - August 1, 2010

Account Type	APR	Fee	Note


Rebate VISA Gold ^c4	11.00%	None	Earn .75% rebate on purchases


Rebate VISA Classic / MasterCard ^c4	11.50%	None	Earn .50% rebate on purchases.


Value VISA Gold ^c4	9.25%	None	Low rates.


Value VISA Classic / MasterCard ^c4	9.75%	None	Low rates.


VISA Student Card	11.50%	None	Earn .50% rebate on purchases.

C4 25 day grace period, interest charged under system known as average daily balance, including new transactions. No annual fee. Minimum finance charge is zero on purchases. $20 over limit fee, $5 cash advance fee and a $20 late payment fee. 1% international transaction fee. APR may be adjusted with proper notice.

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Secured Loans

Rates effective July 26, 2010 - August 1, 2010

Account Type	Term	APR	Note


Secured by Savings	60 months	Rate +3%	See SLFCU Loan Department for details.


Share Certificate Loans	Maturity	Rate +3%	See SLFCU Loan Department for details.

C5 Variable rate loan. All loans subject to credit approval. Special conditions apply. Check with credit union for details.

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Owner Occupied Mortgage Loans

Rates effective July 26, 2010 - August 1, 2010

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Account Type	Type	Term	APR	LTV


SmartARM Variable Rate ^m1	1st	20 years	4.51%	80%


SmartARM Variable Rate ^m1	1st	30 years	4.49%	80%


SmartARM Variable Rate ^m2	2nd w/SLFCU 1st	20 years	4.56%	Up to 95%


SmartARM Variable Rate ^m2	2nd w/o SLFCU 1st	20 years	5.26%	Up to 90%


Smart Value 5/15 Fixed/Variable ^m3	1st	20 Years	4.69%	80%	Fixed rate for 5 years then variable.


Smart Value 5/15 Fixed/Variable ^m3	2nd with SLFCU 1st	20 years	5.01	Up to 95%	Fixed rate for 5 years then variable.


Smart Value 5/15 Fixed/Variable ^m3	2nd without SLFCU 1st	20 years	5.76%	Up to 90%	Fixed for five years, then variable.


Smart Value 5/25 Fixed/Variable ^m3	1st	30 Years	4.67%	80%	Fixed rate for 5 years, then variable.


SmartValue 3/37 Fixed/Variable ^m4	1st	40 years	4.56%	80%	Fixed rate for 3 years, then variable.


Home Equity CreditLine ^m5	1st	20 years	5.56%	85%


Home Equity CreditLine ^m5	2nd w/SLFCU 1st	20 years	5.56%	Up to 95%


Home Equity CreditLine ^m5	2nd w/o 1st	20 years	6.06%	Up to 90%


Jumbo SmartARM Variable Rate ^m1	1st	20 years	4.49%	80%


Jumbo Smart Value 5/25 Fixed/Variable^m3	1st	30 years	4.66%	80%	Fixed rate for 5 years, then variable.


Jumbo SmartValue 3/37 Fixed/Variable ^m4	1st	40 years	4.55%	80%	Fixed rate for 3 years, then variable.

Low Fees and Closing Costs	Owner Occupied		Non-Owner Occupied
$20 application fee for all mortgages	Under $417K	Over $417K	All Values
Purchases and Refinances	$475 + title and closing costs	$1,275 + title and closing costs	$1,275 + title and closing costs
Index is 10-year U.S. Treasury Security. Third party fees may apply in certain circumstances. Additional fees may apply outside New Mexico. Survey fee may be required. You will receive a good faith estimate of closing costs when you apply. Consult your tax advisor reagarding the deductibility of interest. You must insure the property that secures the loan. Subject to credit approval. Fees subject to change without notice.
M1 Variable rate loan adjusts up to 1% annually and will not vary more than 6% from the rate at issue. 4.5% floor rate applies after origination. Loan payments adjusted every 2 years if necessary.
M2 Variable rate loan adjusts up to 1% semi-annually and will not vary more than 6% from the rate at issue. 4.5% floor rate applies after origination. Loan payments adjusted every 2 years if necessary.
M3 Hybrid loan with rate and payment fixed for five years. Thereafter variable rate loan adjusts up to 2% initially and 1% annually and will not vary more than 7% from the rate at issue. 4.5% floor rate after fixed rate period. Loan payments may adjust every two years after initial five year period.
M4 Hybrid loan with rate and payment fixed three years. Thereafter variable rate loan adjusts up to 2% initially and 1% annually and will not vary more than 7% from the rate at issue. 4.5% floor rate after fixed rate period. Loan payments may adjust every year after initial three year period.
M5 Variable rate loans with quarterly adjustments not to exceed 1/2% and will not vary more than 7% above origination rate. 5.5% floor rate. Payments adjust with every draw and once a year if necessary.
M6 Variable rate construction. First year is interest only. After construction phase variable rate loan adjusts up to 1% semi-annually and will not vary more than 6% from the rate at issue. 4.5% floor rate after origination. Loan payments adjusted every 2 years if necessary.
M7 Hybrid construction loan. First year is interest only. After construction rate and payment fixed five years. Thereafter, the rate adjusts up to 1% annually and will not vary more than 7% from the rate at issue. In no event will rate fall below 4.5%. Loan payments may adjust every two years after five year fixed period.

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Non-Owner Occupied Mortgage Loans

Rates effective July 26, 2010 - August 1, 2010

Account Type	Type	Term	APR	LTV


SmartARM Mortgage ^m10	1st	15 years/30 year amortization.	5.45%	80%


SmartARM Mortgage ^m10	2nd w/1st	15 years/30 year amortization	5.95%	80%


SmartARM Mortgage ^m10	2nd w/o 1st	15 years/30 year amortization	6.45%	80%


Home Equity CreditLine ^m11	1st	15 years	6.00%	80%


Home Equity CreditLine ^m11	2nd w/SLFCU 1st	15 years	6.50%	80%


Home Equity CreditLine ^m11	2nd w/o 1st	15 years	7.00%	80%


Vacant Land ^m12	N/A	12 years	6.20%	75%


Jumbo SmartARM Mortgage ^m10	1st	15 years/30 year amortization	5.65%	80%


Jumbo Home Equity CreditLine ^m11	2nd w/ 1st	15 years	6.70%	80%

Low Fees and Closing Costs	Owner Occupied		Non-Owner Occupied
$20 application fee for all mortgages	Under $417K	Over $417K	All Values
Purchases and Refinances	$475 + title and closing costs	$1,275 + title and closing costs	$1,275 + title and closing costs
Index is 10-year U.S. Treasury Security. Third party fees may apply in certain circumstances. Additional fees may apply outside New Mexico. Survey fee may be required. You will receive a good faith estimate of closing costs when you apply. Consult your tax advisor reagarding the deductibility of interest. You must insure the property that secures the loan. Subject to credit approval. Fees subject to change without notice.
M10 Variable rate loan adjusts up to 1% semi-annually and will not vary more than 6% from the rate at issue. 4.5% floor rate after origination. Loan payments adjusted every year if necessary. Payments based on 30-year amortization with a15-year balloon term.
M11 Variable rate loan adjusts quarterly with adjustment not to exceed 1/2% and will not vary more than 7%. 5.5% floor rate. Payments adjust with every draw and once a year if necessary.
M12 Variable rate loan adjusts up to 1% semi-annually and will not vary more than 6% from the rate at issue. 5% floor rate. Loan payments adjusted every 2 years if necessary.

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