Skip to content

A debt consolidation loan allows you to combine multiple debt payments (credit card, medical, title loans, etc.) into one monthly payment. A debt consolidation loan ideally will have a lower interest rate than what you are paying on your old debts. The advantage of using a debt consolidation loan to combine your multiple debts into one, is simplicity and savings. The simplicity comes from having only one payment each month, instead of many. The savings comes when you are able to consolidate your debt at a lower interest rate. White Sands FCU offers members several different personal loan options to help you consolidate multiple debts into just one, with one monthly payment, and hopefully, a lower overall interest rate.


Personal Loan Rates

APR: Annual Percentage Rate. Rates subject to change without notice.
Loan rates and terms are determined by credit score, amount financed and other factors.
TermAPR* as low asAPR* as low as - with Loyalty Plus & Online Application Discount
Signatureup to 60 months12.00%11.50%
Line of Creditrevolving12.00%11.50%
Share Securedvaries2.00% above dividend rateN/A
Share Certificate Securedvaries2.00% above dividend rateN/A
*Rates and terms may vary. Subject to credit approval.


We've made getting a loan even easier and more convenient. We now offer members the option of signing their auto and unsecured loan applications electronically using DocuSign.  DocuSign is a simple yet secure system that allows us to send you loan documents and get your signature electronically, saving you a trip to the branch or from waiting for paperwork by mail. As long as you have internet and email access, you can use DocuSign. It's free and immediate and you can sign from any type of smartphone, tablet, or computer.

Apply Now  |  Loan Payment Calculator

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.

Tax Solutions and Savings for Members