Announcements
Economic Impact Payment VISA prepaid debit card
Your stimulus check may be arriving in the form of a pre-paid debit card. They arrive in a plain envelope so be careful not to throw it away! This is not a scam. The government is sending some people Economic Impact Payment Cards if they qualified for a stimulus payment and the IRS couldn’t direct deposit the payment. The card will be issued from Money Network Cardholder Services.
Those who receive Economic Impact Payment by prepaid debit card can do the following without any fees.
- Make purchases online and at any retail locations where Visa is accepted
- Use one of the In-Network AllPoint brand ATMs to withdraw cash. Use the ATM locator at EIPCard.com or Money Network® Mobile App to locate one near you. Limits may apply to the amount of cash you are able to withdraw at ATMs.
- Transfer funds to their personal bank account
- Check their card balance online, by mobile app, or by phone
Online Account Access
White Sands FCU allows you to perform many account transactions without visiting a branch, including:
- Our Call Center is available to assist you by calling 575-647-4500 or 800.658-9933 from 8 am – 5 pm Monday through Friday.
- Loan applications can be submitted online or taken over the phone by calling 575-647-4500.
- You’ll have 24/7 access to your accounts, pay bills, make loan payments and transfer funds to other WSFCU accounts using Online Banking and our Mobile Banking app.
- Telephone banking can be accessed by calling 575-647-4580 or 800-462-2406
- Deposit checks into your account by using your mobile device with our Mobile Deposit App
- Reorder Checks
- Use our ATM's or locate a surcharge-free ATM
- Securely store your White Sands FCU debit card in your phone's digital wallet for touch-free checkouts. Available Apple Pay, Samsung Pay, and Google Pay.
Drive Now. Pay Later
No Payments for 90 Days on New-Used-Refinance! Apply online and save 0.25% APR*
White Sands FCU features:
- Excellent rates
- No prepayment penalties
- 90 days until your first payment is due**
- Up to 2 Skip A Payments a year***
- Fast, Easy Approval Process
- Local Financing
*APR: Annual Percentage Rate. Rates subject to change without notice. Loan rates and terms are determined by credit score, amount financed and other factors.
COVID-19 Financial Assistance
If the COVID-19 Virus is negatively affecting your finances, White Sands FCU has a number of options to assist you.
- Personal loan or line of credit. An unsecured personal loan or line of credit can give you some flexibility when your pay is delayed. The availability of extra money can assure your essential bills get paid. Learn more here.
- Skip-a-payment*. If you have a loan with us, speak to one of our representatives about skipping your next payment, or submit this form. No fee will be assessed during this time.
- Debt consolidation loan. Sometimes, combining all your debt into one payment can free up some extra funds. You can structure this loan to delay your first payment for 90 days. Apply for a debt consolidation loan here.
- Delay payment for 3 months. If you have a loan somewhere else, refinance it with White Sands FCU and delay your first payment for 90 days**.
White Sands FCU is here to help you, call us or visit one of our branches so we can help.
Introducing 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.
Save on your Taxes!
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.
Reset Your Debt
If 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
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 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.