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Mortgage Loans


Mortgage loans from White Sands FCU bring your dream of owning your own home within reach.  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 offer a full range of fixed or variable rate mortgage products.

Today's Mortgage Rates

TermAPR* as low as
15 year fixed5.500%
20 year fixed6.375%
30 year fixed6.500%


* 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.

** Points are a one-time fee that a borrower pays to lower the interest rate on a loan. It’s a form of pre-paid interest.


Have Questions?

Make your home work for you! Home Equity Loans and HELOCs are quick and easy and can be a great way to get closer to your goals.

kitchen remodel

If you are a homeowner, you can use that fact to borrow money from us for any reason.  Our Anything Loans feature a low, fixed-rate with terms up to 10 years.

  • Solar panels
  • Home improvements
  • Vacations and trips
  • Debt consolidation
  • College or private school tuition
  • Weddings


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

man holding house cutout

Are you ready to get started?

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