✏️ Start the School Year Strong 📚

Back-to-school season should be exciting—not stressful.

Whether you're shopping for school supplies, upgrading a laptop 💻, paying for extracurricular activities ⚽🎵, or covering tuition costs,
White Sands Federal Credit Union is here to help.

With rates as low as 8.49% APR*💰

Our Back-to-School Loan gives you the flexibility to cover expenses now and make manageable monthly payments later.

✅ School supplies
✅ Technology & laptops
✅ Tuition & fees
✅ Sports, activities, and more

Don't let back-to-school costs hold you back. Get the funds you need and focus on what matters most—a successful school year! 🌟

Head back to school with confidence! 🎓

*All loans subject to credit approval. Some restrictions apply. Advertised rate includes our Loyalty Plus loan rate discount of 0.30% APR & our Online Loan App discount of 0.30% APR subject to change without notice. Not Valid with any other offers.

🏡🔑 Unlock the Door to Your Dream Home

Whether you're buying your first home, upgrading to fit your growing family, or finding the perfect place to put down roots, White Sands Federal Credit Union is here to help make your homeownership dreams a reality.

With mortgage rates as low as 6.15% APR*

You can enjoy competitive financing and personalized service every step of the way.

✅ Purchase your dream home
✅ Competitive fixed-rate financing
✅ Local guidance and support
✅ A lending experience you can trust

Your next chapter starts with the right mortgage. Let us help you turn "someday" into move-in day. 📦

Take the first step toward a place to call home.🏠

* The Annual Percentage Rate (APR) is based on a 30-year fixed-rate mortgage with a 20% down payment. The advertised rate includes a 0.30% discount for any borrower(s) making a down payment of 20% or more and an additional 0.30% equity discount for qualified repeat WSFCU borrowers. Actual rates may vary based on creditworthiness, loan amount, and other underwriting criteria. This offer is available to eligible borrowers who meet WSFCU credit and income guidelines. Terms of servicing and rate discounts are not guaranteed to remain in effect if the loan is sold. Rate discounts may not be combined with certain promotional offers. All loans are subject to approval. Not all applicants will qualify. Property insurance is required. Other fees and closing costs may apply. Equal Housing Lender. *Scenario based on Loan Amount of $320,000, LTV 80% ($400,000 purchase price, 20% down payment), 30 Year Fixed Conventional loan. Interest rate 6.15%, APR 6.75%. Rate includes a 0.30% discount for any borrower(s) making a down payment of 20% or more and an additional 0.30% equity discount for qualified, repeat WSFCU borrowers. 360 principal and interest payments of $1,949.53. P&I Payment does not include property taxes or hazard insurance; total monthly expense will be higher than the payment listed above. Actual rate and APR may change. Rate effective as of 06-19-2026. First mortgage services for credit union members provided through their partner SWBC Mortgage Corporation, NMLS #9741, check licensing at www.nmlsconsumeraccess.org. Corporate office: 9311 San Pedro Ave., Ste. 100, San Antonio, TX 78216. © 2025 SWBC. All rights reserved.The discounted interest rate may no longer apply if your loan is sold or transferred to another servicer. Rates, terms, and conditions are subject to change without notice and may vary based on creditworthiness, loan amount, and other underwriting criteria. All loans are subject to credit and property approval.