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Mortgage Loans

Our rates are competitive and change frequently to reflect the most up-to-date market values so you can trust that you're getting the best rates we can offer.

Please contact our Mortgage Department for our most current rates.


Phone: 575-647-4500

Home Mortgage

Mortgage loans from White Sands FCU bring your dream of owning your own home within reach. We take the hassle out of mortgage loans. Our knowledgeable and friendly staff will help you during each step of the mortgage loan process, keeping your best interests in mind the entire time. We have many types of mortgage loans available. We can also help you turn the equity in your home into a powerful financial tool to help you do all of the things that you thought you couldn't. Speak with our local Mortgage team when you have questions or concerns by calling us at 575-647-4500 or email us at

Home Equity Loans and Home Equity Lines of Credit (HELOC)

Home Equity Loans and HELOCs are quick and easy. Home Equity Loan terms are 5, 10, and 15 years set on a fixed interest rate.  Our HELOCs are for 10 years with a variable interest rate based on the current prime rate plus a margin.  Loan proceeds can be used how you wish, when you wish, and may even be tax-deductible.1

Anything Loan (Eco)

Landscaping, xeriscaping, solar panels, home improvements, travel, education, and weddings are all great reasons for an Anything Loan

Learn More 


Refinancing your mortgage can help reduce your monthly payments. We can help you decide if refinancing is right for you.

1 APR (Annual Percentage Rate), terms and conditions subject to change without notice. Other programs, rates, and terms may be available.  Some restrictions may apply. Subject to credit approval. Please consult your tax advisor regarding the deductibility of interest. WSFCU does not give tax advice.  Talk to a Mortgage Officer today for specific details on all of our mortgage options.

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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