Dare to compare!

woman comparing ratesWe encourage you to compare our new and used vehicle loan rates to the competition.1  We always strive to keep our rates lower than the rest.

 Lowest new vehicle rateLowest used vehicle rate
White Sands FCU23.50% APR34.00% APR
GECU3.80% APR4.05% APR
El Paso Area Teachers FCU3.85% APR4.00% APR
FirstLight FCU4.25% APR4.50% APR

You can see all our loan rates here.


  1. Rates as of 4/10/2018
  2. White Sands FCU rates include our Loyalty Plus Discount
  3. APR is annual percentage rate.  Rates subject to change without notice.


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

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

By email: info@wsfcu.org

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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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.