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Vehicle Insurance & Protection

TruStage® Insurance: Simple, Straightforward, Budget-Friendly.

Insurance is an important part of a solid financial plan. The key is finding coverage that fits your needs and budget from someone you can trust. The right insurance can help give you peace of mind today.

Backed by more than 80 years of working with credit unions and their members, you can count on TruStage to help protect what matters most.

Get a quote or explore your options at

© Copyright 2020, TruStage. All Rights Reserved.

TruStage® insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company, PO Box 61, Waverly IA 50677-0061. Auto and Home Insurance Program are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.



Life Insurance
The future should be exciting, even though there are a lot of unknowns. Life Insurance helps you prepare for that uncertainty by protecting the people you hold closest.

Accidental Death & Dismemberment
AD&D pays a cash benefit in the event of an accidental death or if an accident causes specific permanent injuries.

Auto Insurance
It can be hard to find the best car insurance. That's why we work with Liberty Mutual to offer cost-effective coverage that's easy to get to and easy to understand.

Credit Life/Disability

Life and disability insurance can help make your loan payments when you can't. The cost is low for the important extra security provided.

Life insurance will help reduce or pay off your loan if you die before the loan is repaid. Disability insurance will help make your loan payments if your income is lost due to a covered accident or illness. In both circumstances, the coverage is designed to help protect you and your family when help is needed most.

Credit Life, Terminal Illness, Accidental Dismemberment, or Disability Claim? We are here to help!

In your time of need, our claims process is quick and easy. If you elected credit life or disability on your loan, you can
use this convenient claims process to quickly and easily file your insurance claim.
To begin, please fill out a claim form- Click Here

If you prefer, call 800.621.6323 to begin the process and a TruStage™ claims specialist will guide you through the

TruStage is the marketing name for the TruStage Financial Group, Inc. its subsidiaries, and affiliates. © TruStage

At White Sands Federal Credit Union, our goal is to provide you with affordable coverage for unforeseen expenses.  If the unexpected happens, whether your car is a total loss due to accident or theft, your vehicle suffers a major mechanical failure, or you're hit with bills you can't pay, count on us to protect you.

  • GAP makes up the difference between what insurance covers and the amount you owe in most cases. So, instead of paying off a substantial loan balance before you can even think about shopping for a new vehicle, you could be free and clear.
  • As added benefits, PowerBuy will help you get back on the road more quickly by providing additional funds towards the new vehicle loan based on the calculated depreciation of your totaled vehicle from the time of purchase and after the insurance settlement when you finance a replacement vehicle with us. By adding GAP with PowerBuy, you put yourself in a better financial position in time of need.
dollar bills in jar

Prepare Yourself for the Road Ahead

The,Young,Couple,Broke,Down,The,Car,While,Traveling,OnWhether you sell your vehicle after a few years or drive it for many years to come, you may eventually need a repair or have a breakdown. And with the rising cost of labor and parts, you could find yourself dealing with high out-of-pocket expenses.

With MPOWER+ Vehicle Protection, offered by EFG Companies and White Sands FCU, you can protect yourself from costly repairs and enjoy your vehicle longer. The total cost of major mechanical protection is often far less than the cost of a single repair!* Pay for this protection once, and in most cases, you will not have to pay anything more than a deductible should a breakdown occur.

MPOWER+ Vehicle Protection includes all of the following:

  • Major Mechanical Protection
  • Paintless Dent Protection
  • Road Hazard Tire Protection
  • Key Replacement Protection
  • Subsequent Damage
  • Total Loss Refund

Plus, these great benefits:

  • $100 deductible options
  • Roadside Assistance
  • Trip Interruption
  • Rental Reimbursement

Prepare yourself for the road ahead. To learn more about MPOWER+ Vehicle Protection, get a quote, and purchase coverage online, answer a few quick questions in the estimating tool on this page, or call your loan officer/service representative today!

*Costs and coverage may vary by state. See contract for complete details.

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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