Savings

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.

Kirby Kangaroo Club

The Kirby Kangaroo® Kids Club is designed for children up to 12 years of age. Our Kirby Kangaroo® Kids Club helps kids learn how to save money while having fun at the same time! At White Sands Federal Credit Union we make it a priority to help educate children to establish savings habits that will carry with them into their future.

Download the new Kirby Catch and Save game though iTunes here! 

Download the new Kirby Catch and Save game through the Google play store here!

Visit the Kirby Kangaroo website >

Claim Your Youth

claim your youth logoClaim Your Youth is a teen specific program that is designed for young members aged 13-18. Learning to manage finances is very important, so White Sands Federal Credit Union is pleased to offer a program where young adults are given the opportunity to manage their own money, develop

budgeting skills and so much more, in a real world setting.

Visit Claim Your Youth website

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 amount 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: Average Percentage Yield, based on compounded rate
 Dividend RateAnnual Percentage Yield
Regular Share0.15%0.15%
Kirby Kangaroo Savings Club0.15%0.15%
CU Succeed0.15%0.15%

IRA Dividend Rates

APY: Average Percentage Yield, based on compounded rate.
 Dividend RateAnnual Percentage Yield
Regular IRA0.15%0.15%

Money Market Dividend Rates

APY: Average Percentage Yield, based on compounded rate
 Dividend RateAnnual Percentage Yield
Minimum Balance $2,5000.25%0.25%
Minimum Balance $25,0000.35%0.35%
Minimum Balance $50,0000.40%0.40%
Minimum Balance $100,0000.45%0.45%

Share and IRA Certificate Dividend Rates

Regular share and IRA certificate- Minimum required deposit $1,000
APY: Average Percentage Yield, based on compounded rate
 Dividend RateAnnual Percentage Yield
6 month0.45%0.45%
1 year0.70%0.70%
18 month1.00%1.00%
2 year1.35%1.36%
3 year1.60%1.61%
4 year1.65%1.66%
5 year1.90%1.92%

Jumbo Share and IRA Certificate Dividend Rates

Jumbo share and IRA certificate- Minimum required deposit $25,000
APY: Average Percentage Yield, based on compounded rate
 Dividend RateAnnual Percentage Yield
6 month0.55%0.55%
1 year0.80%0.80%
18 month1.10%1.11%
2 year1.45%1.46%
3 year1.70%1.71%
4 year1.75%1.76%
5 year2.00%2.02%

CONTACT US

Contact our Call Center at
(575) 647-4500 or (800) 658-9933.

Hours of Operation:
Monday thru Friday, 8 am-5 pm

By email: info@wsfcu.org

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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