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Did you know you can get credit union financing right at the car dealership? The process is designed so credit union members benefit several ways.

First, as a member of a cooperative you reap the benefits of lower rates offered by White Sands FCU. Credit unions have lower loan interest rates than banks. In 2016, the average interest rate for a 48-month new car loan at a credit union was 2.61%. The average for banks was 4.55%.

Second, it’s quick and easy. There’s a fast turnaround time when filling out applications, and the process is user-friendly. Also, there’s a smooth flow of paperwork between participating dealerships and White Sands FCU. The accommodating business relationship will benefit you, the loan customer.

Third, you have the ability to choose a variety of credit union financing options right at the dealership. The innovative lending approach clearly gives you–the credit union member–the benefit of choosing the option that’s best for you.

We’re still happy to pre-approve you for a car loan at the credit union if you like the flexibility of shopping dealerships. But if you’re at the dealership, ask for White Sands FCU financing. It’s almost always your best deal.

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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