Skip to content

car iconNEW & USED AUTO LOANS

AS LOW AS 2.49%APR*

At White Sands FCU we won't make you jump through hoops to get the best rate on your New or Used Auto Loan. We make it fast and simple to get you in the car of your dreams!  Come see why White Sands FCU was voted the Best Auto Loan Provider In the area by our local community!

White Sands FCU auto loans feature:

    • New & Used Rates as low as 2.49% APR* 
    • Terms up to 72 months 
    • Take 90 days until first payment due**
    • Skip up to two payments each year***
    • Contactless Auto Loans- Apply Online & Sign Online!
*APR means annual percentage rate.  All loans subject to credit approval.  No other discounts apply to this offer, max term is 72 months to qualify for 2.49% APR.
**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 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.

FREEZE YOUR SUMMER LOAN PAYMENT

Summer is right around the corner! Freeze your loan payment this summer, and free up some extra cash.   The fee to skip a payment is $20.

To skip your loan payment:

Introducing Digital Wallets

Digital Wallet Icon

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.

Digitla wallets logos

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.

Save Up To $15 On TurboTax!