Current Promotions & Specials

Summer Auto Loan Special!

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Let us finance your summer vacation with a new or used auto loan!

We offer:

  • New auto rates as low as 3.95% APR*
  • Used auto rates as low as 4.45% APR*
  • 90 days until your first payment is due**
  • No setup or prepayment fees
  • Two Skip A Payments a year***

Summer Fun Loans!

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A Summer Fun Loan from White Sands FCU will take you where you want to be. Whether your ideal vacation is lounging poolside, climbing a mountain, or touring historical monuments, you can get the money you need for the vacation you've always dreamed of.

We offer:

  • 90 days until your first payment is due
  • No setup or prepayment fees
  • Two Skip A Payments a year

Freeze Your Loan Payment!

With Skip-A-Pay, you'll be able to access extra cash for summer vacations and other fun activities. So go ahead and free up some cash this summer for something fun!

New Mortgage Plus Rewards

We now have three rewards options to save you money and help you own the home of your dreams.

*APR is Annual Percentage Rate. Rates subject to credit approval and are subject to change without notice. Advertised rates include our Loyalty Plus Loans Discounts. 

** 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.


Contact our Call Center at
(575) 647-4500 or (800) 658-9933.

Hours of Operation:
Monday thru Friday, 8 am-5 pm

By email:

By mail: P.O. Box 99 Las Cruces, NM 88004

2755 North Main St, Las Cruces NM 88001

Routing & Transit # 312276470

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.

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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.