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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.

 

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.

Claim Your Youth

Claim 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.

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 Share0.05%0.05%
Kirby Kangaroo Savings Club0.05%0.05%
CU Succeed0.05%0.05%

Money Market Dividend Rates

APY: Annual Percentage Yield, based on compounded rate
 Dividend RateAnnual Percentage Yield
Minimum Balance $2,5000.10%0.10%
Minimum Balance $25,0000.20%0.20%
Minimum Balance $50,0000.25%0.25%
Minimum Balance $100,0000.30%0.30%

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 month0.20%0.20%
1 year0.50%0.50%
18 month0.60%0.60%
2 year0.75%0.75%
3 year0.85%0.85%
4 year1.00%1.00%
5 year1.05%1.06%

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 month0.30%0.30%
1 year0.60%0.60%
18 month0.70%0.70%
2 year0.85%0.85%
3 year0.95%0.95%
4 year1.10%1.11%
5 year1.15%1.16%

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.

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