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Loan Payments

Online Payments using a debit or credit card

It is quick and easy to make online loan payments with our secure Online Payment Center. Pay your White Sands FCU loans from another financial institution by debit or credit card. Make a payment to your White Sands FCU Mortgage, Auto Loans, Personal Loans, and Home Equity Loans

  • Make a one-time online payment for a $3 service fee using a debit, credit card or ACH ( using an account and routing number form a different financial institution)
  • Set up recurring monthly loan payments for free using your financial institution routing and account number

You can make your loan payment using one of the following:

  • Visa Debit Cards only
  • MasterCard Credit and Debit Cards
  • Discover Credit and Debit Card
  • Checking or savings accounts at other financial institutions

Please allow three business days for the payment to be processed.

 Automatic Transfer (ACH)

The best way to make your loan payment is to set up an automatic transfer from a checking or savings account. You can automatically transfer funds, from your checking or savings at White Sands FCU, or at any other financial institution, free of any charges.

  • To set up an automatic transfer from your White Sands FCU account log into your account using CU Online, and select the Transfers tab to set up a recurring transfer.
  • To set up an automatic payment transfer from your account elsewhere, give us a call or fill out this form and we will get you set up. This payment method can be used for any vehicle, personal, or mortgage loan.

Be sure to set up the automatic transfer two weeks before your payment is due.


To make a payment over the phone you can call us at 1-800-658-9933 or 647-4500. There is a $12 service fee for this service.

In-person or by mail

You can visit any branch to make a payment in person using cash, check, money order, or by transfer from another of your White Sands FCU deposit accounts.  You can also use a credit card to obtain a cash advance to make a payment.

You can mail a check or money order to us at:

White Sands FCU - Attn: Loan Payments

P.O. Box 99

Las Cruces, NM 88004

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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