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Savings Accounts

Savings (Share) Account

The Savings Account or Share Account, as it is referred to in the credit union world, is the key account for membership at White Sands Federal Credit Union. Every member must keep their savings account open to continue active membership with the credit union. By maintaining an active membership, many doors open to the other great products and services offered by White Sands Federal Credit Union. With a low minimum balance requirement and competitive dividend rates, you can't go wrong with a savings account from the place where membership makes a difference.

Money Market

Want to earn more for your money? Well, you can with a Money Market Account from White Sands Federal Credit Union. The details of this account are simpler than you may think. With a minimum opening balance and maintained minimum daily balance, you are well on your way to earning more dividends than a traditional Savings Account. Some restrictions apply in the number of times you may withdraw during the month, but in the end, a Money Market is a great way to make your money grow.

Share Certificate

White Sands Federal Credit Union offers a variety of Share Certificate terms to meet your needs. Share certificates are a good place to keep your money if you won't need it right away. With our competitive dividends rates and flexible terms, you can't go wrong with a Share Certificate from White Sands Federal Credit Union.

Share Dividend Rates

APY: Annual Percentage Yield, based on compounded rate
Dividend RateAnnual Percentage Yield
Regular Share0.15%0.15%
Youth Savings Club0.15%0.15%
Teen Succeed0.15%0.15%

Money Market Dividend Rates

APY: Annual Percentage Yield, based on compounded rate
Dividend RateAnnual Percentage Yield
Minimum Balance $2,5000.30%0.30%
Minimum Balance $25,0000.80%0.80%
Minimum Balance $50,0000.90%0.90%
Minimum Balance $100,0001.10%1.11%

Share and IRA Certificate Dividend Rates

Regular share and IRA certificate- Minimum required deposit $1,000
APY: Annual Percentage Yield, based on compounded rate.
Dividend RateAnnual Percentage Yield
6 month2.55%2.58%
1 year3.35%3.40%
18 month3.40%3.45%
2 year3.45%3.51%
3 year3.50%3.56%
4 year3.55%3.61%
5 year3.65%3.71%

Jumbo Share and IRA Certificate Dividend Rates

Jumbo share and IRA certificate- Minimum required deposit $25,000
APY: Annual Percentage Yield, based on compounded rate
Dividend RateAnnual Percentage Yield
6 month2.65%2.68%
1 year3.45%3.51%
18 month3.50%3.56%
2 year3.55%3.61%
3 year3.60%3.66%
4 year3.65%3.71%
5 year3.75%3.82%

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

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Tax Solutions and Savings for Members