Back to School Loans

Back-to-school loans at White Sands FCU are designed to help you successfully meet all your upcoming school-related expenses. White Sands FCU has you covered with several different personal loan options, from large to small.

You can borrow up to $20,000 on our back-to-school loans, and they can be taken out as a personal loan, a personal line of credit,  or a share-secured loan.  Use the back-to-school loan for pretty much anything school-related:

  • Uniforms and clothes
  • Computers and printers
  • Tutors and private lessons
  • Books and  supplies
  • Musical instruments
  • Sports equipment
  • School trips

Our back-to-school loan rates are competitive and payment terms are affordable.  Apply online, by phone or in person.


Personal Loan Rates

APR: Annual Percentage Rate. Rates subject to change without notice.
Loan rates and terms are determined by credit score, amount financed and other factors.
 TermAPR* as low asAPR* as low as - with Loyalty Plus
Signatureup to 60 months7.95%7.70%
Line of Creditrevolving7.95%7.70%
Share Securedvaries2.00% above dividend rateN/A
Share Certificate Securedvaries2.00% above dividend rateN/A
*Rates and terms may vary. Subject to credit approval.


We've made getting a loan even easier and more convenient. We now offer members the option of signing their auto and unsecured loan applications electronically using DocuSign.  DocuSign is a simple yet secure system that allows us to send you loan  documents and get your signature electronically, saving you a trip to the branch or from waiting for paperwork by mail. As long as you have internet and email access, you can use DocuSign. It's free and immediate and you can sign from any type of smartphone, tablet, or computer.

Apply Now  |  Loan Payment Calculator


Contact our Call Center at
(575) 647-4500 or (800) 658-9933.

Hours of Operation:
Monday thru Friday, 8 am-5 pm

By email:

By mail: P.O. Box 99 Las Cruces, NM 88004

2755 North Main St, Las Cruces NM 88001

Routing & Transit # 312276470

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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