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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

  2. Stephanie Martinez on April 17, 2020 at 10:10 am

    Hi Cyntia,
    You can skip a payment by filling out this form or by calling us at 575-647-4500. Thank You!

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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