Rates

Loyalty Plus loan rates discount

Loan rates are discounted for repeat borrowers. Through the Loyalty Plus program, each time you are a repeat White Sands Federal Credit Union borrower, you will save .25% off current loan rates.*  It is just one of the ways we say "thank you" to our valued members.

* Loyalty Plus discount on mortgage loans is .125% APR

**APR is annual percentage rate. Some restrictions apply. Discount Rate subject to change without notice. Loyalty Plus discount does not apply to credit cards or HELOC. 

 

Family and Friends loan rates discount

Our members are our best form of advertising. Thank-you, members! With that in mind, we will give a loan rate discount of .25% APR to anyone that you recommend to us. Tell your family and friends to visit White Sands FCU for their next loan, and they can take .25% off our already low regular loan rates. The only stipulation is it has to be someone that hasn’t borrowed from us before.

New Auto 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.
 TermAPR* as low asAPR* as low as - with Loyalty Plus
Current and prior year, less up to 72 months3.50%3.25%
$30,000 and overup to 78 months3.75%3.50%
$35,000 and overup to 84 months4.25%4.00%

Used Auto 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.
TermAPR* as low asAPR* as low as - with Loyalty Plus
up to 72 months3.75%3.50%

Boats, Jet Skis & Motorcycle 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.
 TermAPR* as low asAPR* as low as - with Loyalty Plus
Newup to 66 months8.00%7.75%
Usedup to 66 months8.50%8.25%

New Recreational Vehicle 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.
 TermAPR* as low as APR* as low as - with Loyalty Plus
up to 84 months8.00%7.75%
85 - 120 months8.50%8.25%
121 - 144 months9.00%8.75%

Used Recreational Vehicle 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.
TermAPR* as low asAPR* as low as - with Loyalty Plus
up to 84 months8.50%8.25%
85-120 months9.00%8.75%
121-144 months9.50%9.25%

Personal 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.
 TermAPR* as low asAPR* as low as - with Loyalty Plus
Signatureup to 60 months7.95%7.70%
Line of Creditrevolving7.95%7.70%
Share Securedvaries2.00% above dividend rateN/A
Share Certificate Securedvaries2.00% above dividend rateN/A

Mobile Home 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.
 TermAPR* as low as APR* as low as - with Loyalty Plus
Up to 84 months8.00%7.75%
Up to 120 months8.50%8.25%
Up to 144 months9.00%8.75%

Home Equity 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.
 TermAPR* as low asAPR* as low as - with Loyalty Plus
up to 60 months6.500%6.375%
61 - 120 months6.875%6.750%
121 - 180 months7.000%6.875%

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 asAPR* as low as - with Loyalty Plus
up to 10 years6.95%6.70%

Mortgage 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.
 TermAPR* as low asAPR* as low as - with Loyalty Plus
15 year fixed3.500%3.375%
20 year fixed4.125%4.000%
30 year fixed4.375%4.250%

Credit Card Rates

APR: Annual Percentage Rate. Visa Signature Rewards rate is prime + 3.99% APR to prime + 16.99% APR after 6-month introductory rate.
 APR*
Visa Signature Rewards 0% introductory rate for the first 6 months*

CONTACT US

Contact our Call Center at
(575) 647-4500 or (800) 658-9933.

Hours of Operation:
Monday thru Friday, 8 am-5 pm

By email: info@wsfcu.org

By mail: P.O. Box 99 Las Cruces, NM 88004

2755 North Main St, Las Cruces NM 88001

Routing & Transit # 312276470

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.

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