Featured Rates: Regular Rate Loyalty Plus
New Auto Loans 2.75% APR 2.50% APR
Used Auto Loans 3.25% APR 3.00% APR
Mortgage Loans 4.125% APR 4.000% APR
Featured CD Rates Regular Jumbo
1 year certificate 0.55% APY 0.65% APY
3 year certificate 1.21% APY 1.31% APY
5 year certificate 1.76% APY 1.87% APY

•APY: Average Percentage Yield, based on compounded rate
•APR: Annual Percentage Rate

Community & News
Free ATMs all over the country

A benefit of White Sands FCU membership is the huge number of surcharge-free ATMs at your disposal all over the world. The Allpoint ATM network provides our members FREE access to more than 55,000 completely free ATMs nationwide. Allpoint's surcharge-free ATMs are located across the country in local, regional, and national retail stores. Go here to use the Allpoint ATM locator or to download an app for your phone or tablet.


Cash Rewards American Express® Card

Enjoy chip-enhanced acceptance and security, plus a variety of important features including zero fraud liability3 protection, rental car insurance, extended warranty coverage, and merchandise return protection. Plus, get access to popular events before the general public, from American Express. Learn more….


Managing Your Credit Reputation

What is your credit reputation? Your credit report and credit score together make up your credit reputation. As soon as you get a credit card, a phone, or even sign up for utilities, you start building what we call a “credit history,” which includes all your status across accounts, total debts, and your payment history. It also contains other details related to your financial activities, such as your known addresses, your date of birth, and your Social Security Number. Read more.


Free up the cash you need by deferring your payments for up to 90 days

One of the advantages of being a member of White Sands FCU is the extra benefits you get when you borrow. The most popular requested loan "perk" is the 90 days 'til first payment option on any loan for a new, used or refinanced car, truck, boat, recreational vehicle or motorcycle - even unsecured loans. Members love this choice because it free' up cash for things like vehicle insurance, paying off other bills, or even for some leisure activity.

Combined with our low rates, generous terms and the ability to skip one of your payments every summer and every winter, White Sands FCU loan is your best choice. Apply now.

Member Cellular Discounts with Sprint Credit Union Auto Club   

Insurance Solutions For Everything That Matters. Find Out More.

Copyright © White Sands Federal Credit Union
P.O. Box 99 Las Cruces, NM 88004 • 2755 North Main Street, Las Cruces NM 88001
Tel.# (575) 647-4500 or 1-800-658-9933 • Routing & Transit # 312276470
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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency.

Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

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