SKIP A PAYMENT
Take a summer vacation on us by skipping your loan payment(s). Click the link below to get started.
Our skip-a-payment program requires the loan to be in good standing and is not available for mortgage loans or credit cards. The fee to skip a payment is $20 per payment if processed online or $30 if proceeded in a branch or by phone. Other terms and conditions apply.
NEW, USED & REFINANCE AS LOW AS 3.20%APR*
Low rates and easy terms come standard at White Sands FCU.
White Sands FCU auto loans feature:
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- New & Used Rates as low as 3.20% APR*
- Terms up to 72 months
- Take 90 days until the first payment is due**
- Skip up to two payments each year***
- Contactless Auto Loans- Apply Online & Sign Online!
*APR means annual percentage rate. All loans are subject to credit approval. No other discounts apply to this offer, advertised rates include Loyalty Plus and Online Loan Application discount.
**Finance charges begin on the date the loan is made and interest accrues during the payment deferral period. The first payment is due within 90 days of loan disbursal.
***Our skip-a-payment program requires the loan to be in good standing and is not available for mortgage loans or credit cards. The fee to skip a payment is $20 per payment. Other terms and conditions apply.
Digital Wallets
White Sands FCU is happy to provide you with an easy, secure, and private way to pay for your everyday items in stores, in apps, and on the web using your mobile device. Now, you can make purchases with the tap of your finger in a simple, secure and convenient way.
Contact Us
Call Center:
(575) 647-4500 or
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.
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.