Loyalty Plus Rewards
We appreciate your loyalty and reward you for it!
At White Sands FCU, relationships are everything. That’s why we created the Loyalty Plus Rewards Program. It’s our way of saying thank you for choosing us to meet your borrowing needs.
In addition to exceptional products and service, the Loyalty Plus Rewards Program rewards members like you with a discounted rate on your next loan. Through this program, each time you are a repeat White Sands Federal Credit Union borrower, you will save .25% off our current loan rates.*
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 | 6.65% | 6.15% |
| up to 78 months | 6.85% | 6.35% | |
| up to 84 months | 7.05% | 6.55% |
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 | 6.65% | 6.15% |
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% | 11.50% |
| Line of Credit | revolving | 12.00% | 11.50% |
| Share Secured | varies | 2.00% above dividend rate | N/A |
| Share Certificate Secured | varies | 2.00% above dividend rate | N/A |
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.