Loan Rates
Loyalty Plus Rewards
Repeat borrowers save 0.30% APR* off our current rates. Our way of saying thank you for choosing us to meet your borrowing needs.
Online Loan Application Discount
Apply using our online loan application and save 0.30% APR* off our current loan rates.
Friends & Family Loan Discounts
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.
*APR is annual percentage rate. Some restrictions apply. Loyalty Plus discount and all discounts do not apply to credit cards, Mortgages, or HELOC.
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.
Advertised rates may not be combined with any other discounts.
| Term | APR* as low as | APR* as low as - with Loyalty Plus & Online Application Discount | |
|---|---|---|---|
| Current and prior year, less | up to 72 months | 7.25% | 6.65% |
| up to 78 months | 7.45% | 6.85% | |
| up to 84 months | 7.65% | 7.05% |
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.
Advertised rates may not be combined with any other discounts.
| Term | APR* as low as | APR* as low as - with Loyalty Plus & Online Application Discount |
|---|---|---|
| up to 72 months | 7.50% | 6.90% |
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.
| Term | APR* as low as | APR* as low as - with Loyalty Plus & Online Application Discount | |
|---|---|---|---|
| New | up to 66 months | 8.00% | 7.40% |
| Used | up to 66 months | 8.50% | 7.90% |
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.
| Term | APR* as low as | APR* as low as - with Loyalty Plus & Online Application Discount | |
|---|---|---|---|
| up to 84 months | 8.00% | 7.40% | |
| 85 - 120 months | 8.50% | 7.90% | |
| 121 - 144 months | 9.00% | 8.40% |
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.
| Term | APR* as low as | APR* as low as - with Loyalty Plus & Online Application Discount |
|---|---|---|
| up to 84 months | 8.50% | 7.90% |
| 85-120 months | 9.00% | 8.40% |
| 121-144 months | 9.50% | 8.90% |
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.
| Term | APR* as low as | APR* as low as - with Loyalty Plus & Online Application Discount | |
|---|---|---|---|
| Signature | up to 60 months | 12.00% | 11.40% |
| Line of Credit | revolving | 12.00% | 11.40% |
| Share Secured | varies | 2.00% above dividend rate | N/A |
| Share Certificate Secured | varies | 2.00% above dividend rate | N/A |
Today's Mortgage Rates
*APR is annual percentage rate. Some restrictions apply. Loyalty Plus discount and all discounts does not apply to credit cards, Mortgages or HELOC.| Term | APR* as low as | |
|---|---|---|
| 15 year fixed | 6.750% | |
| 20 year fixed | 7.000% | |
| 30 year fixed | 7.250% |
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
| Term | APR* as low as | ||
|---|---|---|---|
| up to 10 years | 8.50% |
Contact Us
Call Center:
(575) 647-4500 or
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.
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.