Current Deposit Rates
Share Dividend Rates
APY: Annual Percentage Yield, based on compounded rateDividend Rate | Annual Percentage Yield | |
---|---|---|
Regular Share | 0.15% | 0.15% |
Youth Savings Club | 0.15% | 0.15% |
Teen Succeed | 0.15% | 0.15% |
Checking Dividend Rates
APY: Annual Percentage Yield, based on compounded rateDividend Rate | Annual Percentage Yield | |
---|---|---|
Easy Checking | 0.00% | 0.00% |
Premium Checking powered by BaZing® | 0.00% | 0.00% |
First Checking | 0.00% | 0.00% |
Preferred Checking | 0.05% | 0.05% |
Silver Class | 0.05% | 0.05% |
IRA Dividend Rates
APY: Annual Percentage Yield, based on compounded rate.Dividend Rate | Annual Percentage Yield | |
---|---|---|
Regular IRA | 0.15% | 0.15% |
Money Market Dividend Rates
APY: Annual Percentage Yield, based on compounded rateDividend Rate | Annual Percentage Yield | |
---|---|---|
Minimum Balance $2,500 | 0.30% | 0.30% |
Minimum Balance $25,000 | 0.70% | 0.70% |
Minimum Balance $50,000 | 0.75% | 0.75% |
Minimum Balance $100,000 | 0.95% | 0.95% |
Share and IRA Certificate Dividend Rates
Regular share and IRA certificate- Minimum required deposit $1,000APY: Annual Percentage Yield, based on compounded rate.
Dividend Rate | Annual Percentage Yield | |
---|---|---|
6 month | 1.90% | 1.92% |
1 year | 3.20% | 3.25% |
18 month | 3.25% | 3.30% |
2 year | 3.30% | 3.35% |
3 year | 3.35% | 3.40% |
4 year | 3.40% | 3.45% |
5 year | 3.55% | 3.61% |
Jumbo Share and IRA Certificate Dividend Rates
Jumbo share and IRA certificate- Minimum required deposit $25,000APY: Annual Percentage Yield, based on compounded rate
Dividend Rate | Annual Percentage Yield | |
---|---|---|
6 month | 2.00% | 2.02% |
1 year | 3.30% | 3.35% |
18 month | 3.35% | 3.4% |
2 year | 3.40% | 3.45% |
3 year | 3.45% | 3.51% |
4 year | 3.50% | 3.56% |
5 year | 3.65% | 3.71% |
Share Accounts: The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The dividend rate and annual percentage yield may change monthly as determined by the credit union's board of directors. The Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period. If you close your account before accrued dividends are credited, accrued dividends will not be paid. There is a minimum average daily balance to avoid a service fee for the dividend period. If the minimum average daily balance is not met, there will be a service fee as set forth in the Truth and Savings Disclosure. There is a minimum average daily balance required to obtain the Annual Percentage Yield. Dividends are calculated by applying a periodic rate to the average daily balance in the account for the period. The average daily balance is determined by adding the full amount of principal in the account for each day of the period and dividing that figure by the number of days in the period. For savings and money market accounts, no more than six (6) preauthorized, automatic, or telephone transfers may be made by check, draft, or debit card to a third party. If you exceed these limitations, your accounts may be subject to a fee or be closed.
Share Account IRA: The dividend rate and annual percentage yield may change monthly. Dividend rates are declared at the end of each dividend period. Dividends are compounded annually. If funds are withdrawn before the end of the month, dividends will not be paid for that month. Additionally, the IRS will impose a 10% penalty if funds are withdrawn before you reach the age of 59 . For additional information refer to your IRA account opening documents. Also available are Roth and Educational IRAs.
Share Certificates: Rates are variable and are determined at the discretion of the board or directors; therefore, the dividend rate and annual percentage yield may change. The dividend rates and annual percentage yield are fixed rates. That is, the dividend and annual percentage yield (APY) are reflected under investment rates. The dividend rate and annual percentage yield may change weekly on new certificates. If you close your account before dividends are credited, a penalty will be imposed as specified on the certificate document. The opening and minimum balance requirement is $1,000.00-$25,000. You may not make deposits into the account until the maturity date stated on the certificate. Other penalties that may be imposed are outlined on your certificate provided at the time it was opened.
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.