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Important Notice!

To Our Members:

We strongly encourage you to use our remote services as much as possible during this time. We can serve you through our Call Center, Drive-Thru ATM’s, and Online and Mobile Banking.

Lobby Access

To ensure the health and well-being of our employees, members and the communities we serve the following measures have been implemented:

  • Las Cruces & El Paso branch lobbies will be closed effective Tuesday, March 24th until further notice.
  • Truth or Consequences will remain open to our members during this time. However, as a precaution for the health and safety of our members and employees, and based on current guidance from public health officials, we will limit access to our branch lobbies to no more than than 5.
  • All Drive-Thrus will operate normal business hours.
    • Monday- Thursday: 8 am – 5:30 pm
    • Friday: 8 am – 6 pm
    • Saturday: 9:00 am- 12:30 pm


Access Your Accounts Remotely

You have a number of ways to conduct business with us without going into a branch.

Online or Mobile Banking:

  • Download our Mobile Banking app or visit to log in to your account. You can also enroll here. 
    • Check your account balance,
    • Schedule transfers
    • Pay your bills 24/7.

Telephone Banking:

If you don’t have access to a computer, simply call our telephone Banking number at 575-647-4580. You can check your balances and transfer funds all by phone. The service is available 24/7.


  • Night Drop – You can use our night drop to make deposits or loan payments
  • Use our Mobile Deposit App to deposit checks into your account

Mobile Wallets:

Options for contactless transactions include connecting your debit card to Apple Pay®, Samsung Pay® and Google Pay™. Learn more here.

Pay Your Loan Online:

Our Loan Payment Center is easy to use, and you can either enroll in the site or make a one-time payment. Use it to pay your auto loan, mortgage, home equity loan or lines of credit, and personal loans.


ATM’s are always available, As a member of WSFCU, you can also access any of the 55,000 Allpoint ATMs free of charge. Locate your closest ATM here.


Our drive-thru is open click here for our most current operating times. During this time you can perform the following

  • Withdrawals: Up to $2500 can be withdrawn during this time
  • Deposits
  • Loan Payments
  • Cash Advances
  • Cashiers Checks
  • Money Orders

Call Us:

Our Call Center is here to help over the phone at 575-647-4500 or 1-800-658-9933. Our hours are Monday-Friday 8 am-5 pm

Apply for a Loan:

You can apply for a loan anytime at or by calling us at 575-647-4500. Your application will be processed in a timely manner. Loan documents can be signed via electronic documents. In most instances, we can process your application and fund your loan online with no need to visit a branch.

Safe Deposit Box:

Call us to make an appointment at 1-575-647-4500 or 1-800-658-9933

To Request a Debit Card Replacement:

Stop by our drive-thru


Call us to make an appointment at 1-575-647-4500 or 1-800-658-9933

Your Money Is Safe

 We recognize that these are uncertain times, but we assure you that the funds in your accounts are safe and secure. Your money is federally insured for up to $250,000 by the National Credit Union Administration (NCUA)

Here to Help

 White Sands FCU recognizes that the COVID-19 virus may have affected many of our members. If you are facing financial distress due to the situation, please don’t hesitate to reach out to us for help. If the COVID-19 Virus is negatively affecting your finances, White Sands FCU has a number of options to assist you. Click here to learn more

 We are still open for business and we will do our best to help you in any way we can. As always, we thank you for being a White Sands FCU member. We also thank you for doing your part by taking extra steps to stay healthy.

William Jacobs, President & CEO

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.

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