Loan 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.
*APR is annual percentage rate. Some restrictions apply. Discount Rate subject to change without notice. Loyalty Plus discount does not apply to credit cards, Mortgages 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.
| Term | APR* as low as | APR* as low as - with Loyalty Plus | |
|---|---|---|---|
| Current and prior year, less | up to 72 months | 3.90% | 3.65% |
| up to 78 months | 4.40% | 4.15% | |
| up to 84 months | 4.90% | 4.65% |
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.
| Term | APR* as low as | APR* as low as - with Loyalty Plus |
|---|---|---|
| up to 72 months | 3.90% | 3.65% |
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 | |
|---|---|---|---|
| New | up to 66 months | 8.00% | 7.75% |
| Used | up to 66 months | 8.50% | 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.
| Term | APR* as low as | APR* as low as - with Loyalty Plus | |
|---|---|---|---|
| up to 84 months | 8.00% | 7.75% | |
| 85 - 120 months | 8.50% | 8.25% | |
| 121 - 144 months | 9.00% | 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.
| Term | APR* as low as | APR* as low as - with Loyalty Plus |
|---|---|---|
| up to 84 months | 8.50% | 8.25% |
| 85-120 months | 9.00% | 8.75% |
| 121-144 months | 9.50% | 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.
| Term | APR* as low as | APR* as low as - with Loyalty Plus | |
|---|---|---|---|
| Signature | up to 60 months | 10.75% | 10.50% |
| Line of Credit | revolving | 10.75% | 10.50% |
| Share Secured | varies | 2.00% above dividend rate | N/A |
| Share Certificate Secured | varies | 2.00% above dividend rate | N/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.
| Term | APR* as low as | ||
|---|---|---|---|
| Up to 84 months | 8.00% | ||
| Up to 120 months | 8.50% | ||
| Up to 144 months | 9.00% |
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.
| Term | APR* as low as | ||
|---|---|---|---|
| up to 60 months | 6.750% | ||
| 61 - 120 months | 6.875% | ||
| 121 - 180 months | 7.000% | ||
| Loan amounts between $25,000 and $49,999 | add 0.5000% |
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 | 6.95% |
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.
| Term | APR* as low as | |
|---|---|---|
| 15 year fixed | 2.375% | |
| 20 year fixed | 3.000% | |
| 30 year fixed | 3.125% |
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
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.