Skip to content

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 months10.75%10.50%
Line of Creditrevolving10.75%10.50%
Share Securedvaries2.00% above dividend rateN/A
Share Certificate Securedvaries2.00% above dividend rateN/A
*Rates and terms may vary. Subject to credit approval.

Apply Now  |  Loan Payment Calculator

Contact Us

Call Center:
(575) 647-4500 or

(800) 658-9933.

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

Mailing Address:
P.O. Box 99
Las Cruces, NM 88004

Routing & Transit # 312276470

Federally Insured by NCUA

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.

Federally Insured by NCUA  Equal Opportunity Lender  Facebook

White Sands Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with the WCAG 2.0 standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other assistive technology and are encountering problems using this website, please contact us at 575-647-4500 or 1-800-658-9933. Please provide the location of the inaccessible information. All products and services available on this website are available at all White Sands Credit Union branch locations.

Love My Credit Union Rewards