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  White Sands FCU recognizes that the COVID-19 virus may have affected many of our members. If you are facing financial distress due to the situation, please don’t hesitate to reach out to us for help. If the COVID-19 Virus is negatively affecting your finances, White Sands FCU has a number of options to assist you.

  • Personal loan or line of credit. An unsecured personal loan or line of credit can give you some flexibility when your pay is delayed. The availability of extra money can assure your essential bills get paid.  Learn more here.
  • Skip-a-payment*. If you have a loan with us, speak to one of our representatives about skipping your next payment, or submit this form. No fee will be assessed during this time.
  • Debt consolidation loan. Sometimes, combining all your debt into one payment can free up some extra funds. You can structure this loan to delay your first payment for 90 days. Apply for a debt consolidation loan here.
  • Delay payment for 3 months.  If you have a loan somewhere else, refinance it with White Sands FCU and delay your first payment for 90 days**.

White Sands FCU is here to help you, call us or visit one of our branches so we can help.


*Our skip-a-payment program is not available for mortgage loans or credit cards. Other terms and conditions apply.
 **Finance charges begin on the date the loan is made and interest accrues during the payment deferral period. The first payment is due within 90 days of loan disbursal.


  1. Cynthia Flores on April 17, 2020 at 10:05 am

    I would like to see if I can skip a payment