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Our service fees require adjustments from time to time to match the increased costs of business. Fee increases were determined after a survey of other area credit unions. Effective 01/01/2024 the following change to the White Sands FCU fee schedule will be implemented.

Product/ServiceCurrent FeeFee as of 01/01/2024
Bill Pay$3.75No Fee
Skip A Payment$20 online
$30 In Branch or by Phone
$25 online
$35 In the Branch or by Phone
Money Orders$2 eachDiscontinued
Coin Counting1% members
3% Non-Members
3% members
9% Non-Members
Visa Debit/ATM Card Replacement$5$7
Non Members Using a WSFCU ATM$3.50$4.50
WSFCU Members using a foreign ATM.
Does not include WSFCU ATMS or Allpoint Network ATMS
Dormant Account Fee ( 1 year of no activity)$5 per month$10 per month

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