Understanding your debt-to-income ratio
Have you ever applied for a loan and been told that your debt-to-income ratio was too high? You may have wondered what that meant. Your debt-to-income ratio is the portion of your income that goes to debt payment, and it is a key component of creditworthiness. Lenders consider debt-to-income ratio along with credit score when…Read More
Retirement planning for 20-somethings
If you’re in your 20s, the topic of retirement brings a wave of anxiety and boredom. Who has time to think about saving for retirement with massive student loans to pay? And retirement is y-e-a-r-s away. It’s time to re-frame the discussion of retirement planning for 20-somethings. It’s not just about money when you’re old.…Read More
Boost your savings with certificate laddering
Even though share certificates (a.k.a known as certificates of deposit or CDs)) won’t get you the highest return on your dollar, they are pretty much guaranteed not to lose you money. That’s because share certificates are federally insured up to $250,000 per account holder by either the National Credit Union Administration (NCUA) or the Federal…Read More
10 money moves to make before you have a baby
Ready to pick baby names while wondering which color baby booties you’ll need? (Neutral, everyone says go with neutral.) Exciting and life-changing times are ahead! You’re going to have fun decorating the nursery and sharing the good news with everyone. But the next nine months are also important for getting your finances in order. Studies…Read More
Top reasons mortgage applications are denied
Going through the mortgage loan application process is rigorous, and at times nerve-wracking. And to find out that, after all the scrutiny, your application gets denied, well – that can be heartbreaking. But you’re not alone – the most recent Home Mortgage Disclosure Act (HMDA) data indicates that 11 percent of home purchase applicants get…Read More
(575) 647-4500 or
Hours of Operation:
Monday thru Friday, 8 am-5 pm
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.
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.