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Home Improvement Loans

A Home Improvement Loan is the tool you need for projects that improve your lives and the value of your home. These loans feature a low, fixed rate, financing up to $30,000 and terms up to 10 years. Home Improvement Loans can be used for any improvements to your home or yard, like:

  • New roof
  • Solar panels
  • Landscaping
  • HVAC installation and upgrades
  • Swimming pool or hot tub
  • New kitchen or bathroom
  • New flooring

Get started on your home improvement project today.  It's easy to apply - click here for our online application, give us a call or visit one of our branch locations.

Anything Loan Rates

APR: Annual Percentage Rate. Rates subject to change without notice.
Loan rates and terms are determined by credit score, amount financed and other factors.
Anything Loans include our Eco and Home Improvement loans
 TermAPR* as low as 
up to 10 years8.95%

*Rates and terms may vary. Subject to credit approval.

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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