Sandia Area Federal Credit Union

Headquarters: Albuquerque, New Mexico
Charter: Credit Union
Assets: $1.4B
Fed district: Kansas City

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 14, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Sandia Area Federal Credit Union: $29
Sandia Area Federal Credit Union: $29
U.S. median: no median
NSF / Returned Item
Sandia Area Federal Credit Union: $9
Sandia Area Federal Credit Union: $9
U.S. median: no median
Non-Network ATM
Sandia Area Federal Credit Union: $1.50
Sandia Area Federal Credit Union: $1.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Mexico, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New Mexico: Banks and credit unions headquartered in New Mexico that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Sandia Area Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Close Account (within 1 year of opening)$5
Dormant Account (balance less than $500, no activity for 1 year)$15
per month
Account/Check Book Balancing/Audit/Research (1 hour minimum)$20
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail (incorrect address)$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft (Paid NSF)$29
per item
Non-Sufficient Funds (NSF)$9
per item

ATM & Card

Non-CU Anytime ATM Balance Inquiry/ATM WIthdrawal$1.50
per item
Replacement Plastic Card (Debit/Credit Card)$5
per item

Wire Transfers

Electronic Transfer Domestic (wires)$20
per item
Electronic Transfer International (wires)$35
per item

Check Services

Stop Payment$29
per item
Collection Item Fee$12
per item
Check Copy$3
per item
Check Copy (After 10 transactions)$0.50
per item

Digital & Electronic

Mobile DepositNo charge

Cash & Deposit

Returned Deposit Item$9
per item

Account Services

NotaryNo charge
Drilling the greater$100
Not compared: Box drilling or key fee
Late Fee$10
Not compared: Box drilling or key fee
Replacement Key$10
Not compared: Box drilling or key fee
per item
Legal Processing (garnishment and subpoena)$75
per item
Verification of Deposit$10
per item

Other Fees

Copy of Merchant Ticket (CU Anytime, debit card, credit card)$15
per item
Statement Copy (including interim)$3
per item

Fee	Amount	Basis	Note
Account Maintenance
Close Account (within 1 year of opening)	$5	Not stated	None
Dormant Account (balance less than $500, no activity for 1 year)	$15	per month	None
Account/Check Book Balancing/Audit/Research (1 hour minimum)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail (incorrect address)	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft (Paid NSF)	$29	per item	None
Non-Sufficient Funds (NSF)	$9	per item	None
ATM & Card
Non-CU Anytime ATM Balance Inquiry/ATM WIthdrawal	$1.50	per item	None
Replacement Plastic Card (Debit/Credit Card)	$5	per item	None
Wire Transfers
Electronic Transfer Domestic (wires)	$20	per item	None
Electronic Transfer International (wires)	$35	per item	None
Check Services
Stop Payment	$29	per item	None
Collection Item Fee	$12	per item	None
Check Copy	$3	per item	None
Check Copy (After 10 transactions)	$0.50	per item	None
Digital & Electronic
Mobile Deposit	No charge	Not stated	None
Cash & Deposit
Returned Deposit Item	$9	per item	None
Account Services
Notary	No charge	Not stated	None
Drilling the greater	$100Not compared: Box drilling or key fee	Not stated	None
Late Fee	$10Not compared: Box drilling or key fee	Not stated	None
Replacement Key	$10Not compared: Box drilling or key fee	per item	None
Legal Processing (garnishment and subpoena)	$75	per item	None
Verification of Deposit	$10	per item	None
Other Fees
Copy of Merchant Ticket (CU Anytime, debit card, credit card)	$15	per item	None
Statement Copy (including interim)	$3	per item	None

Correct a fee source

Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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