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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. 

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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.
TermAPR* as low asAPR* as low as - with Loyalty Plus & Online Application Discount
Current and prior year, less up to 72 months7.49%6.89%
up to 78 months7.69%7.09%
up to 84 months7.89%7.29%

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.
TermAPR* as low asAPR* as low as - with Loyalty Plus & Online Application Discount
up to 72 months7.99%7.39%

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 & Online Application Discount
Newup to 66 months8.00%7.40%
Usedup to 66 months8.50%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.
TermAPR* as low as APR* as low as - with Loyalty Plus & Online Application Discount
up to 84 months8.00%7.40%
85 - 120 months8.50%7.90%
121 - 144 months9.00%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.
TermAPR* as low asAPR* as low as - with Loyalty Plus & Online Application Discount
up to 84 months8.50%7.90%
85-120 months9.00%8.40%
121-144 months9.50%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.
TermAPR* as low asAPR* as low as - with Loyalty Plus & Online Application Discount
Signatureup to 60 months12.00%11.40%
Line of Creditrevolving12.00%11.40%
Share Securedvaries2.00% above dividend rateN/A
Share Certificate Securedvaries2.00% above dividend rateN/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.
TermAPR* as low as
15 year fixed6.625%
20 year fixed6.750%
30 year fixed6.750%

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 years8.50%

 

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.

Tax Solutions and Savings for Members