Current Promotions & Specials

Presidential Savings now through February 28.

presidents day iconSave big on your next auto loan during our Presidents Day Auto Loan special.  

Apply Today!

  • Rates as low as 3.75% APR* on new vehicles
  • Flexible Terms
  • No Payments for up to 90 days**
  • Skip up to 2 payments a year***
  • Ask for Docu-sign and sign from anywhere you have email access!

Too much high-interest debt? Consolidate Today!

Improve your finances in 2019 with a Debt Consolidation Loan! Combine multiple loan payments into one simple loan to reduce debt and save moneyApply Today!

  • Rates as low as 9.70% APR*
  • Loan amounts up to $20,000
  • Terms up to 60 months

CardValet®- Your Card, on Your Terms

Hand with credit card icon

Protect your debit card through your mobile device by receiving alerts and defining when, where and how your payment cards are used - with CardValet®

  • Receive alerts whenever your payment cards are used
  • Establish transaction controls for dollar amount limits, merchant categories, transaction types, and geographic locations
  • Safeguard your cards: Turn them "off" if they're misplaced or stolen and back "on" when you're ready to use them
  • Available on  Google Play or the Apple App Store

*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.