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Personal Loans

Personal loans are designed to be flexible, because life is filled with surprises and unexpected expenses.  Whether your child needs braces or your car needs repairs…you have the opportunity to take the vacation of a lifetime or just want to consolidate your existing bills, personal loans give you options with competitive rates and affordable payment terms.

Easy Access Line of Credit (LOC)

Having money at your finger tips has never been easier. Personal Loans extend to the Easy Access Line of Credit.  It's perfect for use as overdraft protection for your checking account or as an instant source of cash for repairs, travel, or other special purchases. You can use your available funds when you wish, how you wish.

Secured Loans

Want a perfect way to build credit and save money. It's easy with a share secured loan from White Sands Federal Credit Union. You will pay 2% above the share account rate that secures the loan. The entire process is easier than you may think. We offer automatic approval, and an option for automatic payments.


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.
TermAPR* as low asAPR* as low as - with Loyalty Plus & Online Application Discount
Signatureup to 60 months12.00%11.40%
Line of Creditrevolving12.00%11.40%
Share Securedvaries2.00% above dividend rateN/A
Share Certificate Securedvaries2.00% above dividend rateN/A
*Rates and terms may vary. Subject to credit approval.

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