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SLFCU Disclosures & FeesImportant details about our loans, fees and our policies to protect the privacy of young members. Mortgage Disclosures may be found at the Rates page.
Shared Branching Change Notice
Beginning June 1, 2008 official checks (Cashier, Teller, and Certified) greater than $2,500 that you deposit at a shared branch facility will have a hold placed on funds. Checks that are considered local to the branch will have a two-day hold, and non-local checks will have a five-day hold. This modification is in response to a change in the shared branch operating policy that SLFCU is required to follow in order to offer you this valuable option. All other deposit policies, including deposits made at an SLFCU branch directly, remain unchanged. Please refer to the Funds Availability Policy in your Universal Disclosure and Member Handbook for further information.
Consumer Loan Disclosures
Signature Loan Disclosure: Variable rate loan. Subject to change. Not everyone will qualify for lowest APR. Special conditions apply. Available APR is based on credit history and term, and may be higher than APR(s) listed here. All loans subject to credit approval.
New/Used Car, Truck, Van, and SUV Loan Disclosures: Fixed rate loan. 100% financing available including tax, title and extended warranties. Vehicles from the current or two previous model years with mileage less than 25,001 qualify for new car rates. Subject to change. Not everyone will qualify for lowest APR. Special conditions apply. Available APR is based on credit history and term, and may be higher than APR(s) listed here. All loans subject to credit approval.
Stock CreditLine or Stock Loan Disclosures: Borrow up to 75% of the value of the stock as listed in the Wall Street Journal. Variable rate loan. Subject to change. All loans subject to credit approval. Contact credit union for details.
Credit Card Disclosures: 25-day grace period. APR is the same for purchases, balance transfers, and cash advances. Interest charged under system known as the average daily balance method, including new purchases. No transaction fee for purchases, balance transfers or cash advances. No annual fee. No minimum finance charge. Over the credit-limit fee and late payment fee is $20.00. 1% International Fee Assessment.
Student Loan Disclosures: Variable rate loan. Subject to change. All loans subject to credit approval. Contact credit union for details.
Children's Privacy Policy
The only financial service Sandia Laboratory FCU offers online to children under the age of 13 is financial education intended to support the child's financial literacy. Sandia Laboratory FCU does not offer financial products (for example, credit cards or loans) directly to children. We do not knowingly solicit or collect personal data from children, and we do not knowingly market to children online without express parental or guardian consent or notification.
If we receive online information from any child, we will only use the information to respond directly to a child's request or for the intended activity or contest. We recognize that protecting children's identities and online privacy is important and that responsibility rests with us and with parents.
If you believe your child has provided personally identifiable information to Sandia Laboratory FCU online and you wish to review and delete such information, please contact us at 800-947-5328 or at webmaster@slfcu.org.
Mortgage Disclosures may be found at the Rates page.
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