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Promotions & Specials

President's Day Auto Loans

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Save big on your next auto loan during our President's Day Sales Event. Rates as low as 3.95% APR*. And make no payments for 90 days!


Introducing Digital Wallets

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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.

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Save on your Taxes!

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Ready to get a jump start on your 2019 taxes? TurboTax Online is now live and what’s even better, White Sands Federal Credit Union members can save up to $15! Click here to start.


Scholarships Now Available!

piggy bankDo you or someone you know need money for college? The 2020/2021 New Mexico Credit Union Education Foundation (NMCUEF) scholarship applications are now available.


Reset Your Debt

money iconIf the bills are rolling in and you need some help, a debt consolidation loan from White Sands Federal Credit Union can help you organize your expenses into a single monthly payment!


Love My Credit Union Rewards

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Everyone is looking for ways to save money around the holidays, and that’s just what Love My Credit Union Rewards is all about.

White Sands FCU  is pleased to offer our members, exclusive discounts and benefits on products and services you use every day.




*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.

**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.


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.