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Black Friday Is Here!

New, Used, Refinance as low as 3.15% APR* with Black Friday Discounts.

Apply for a loan anytime between now and the end of the month for special Black Friday rate discounts! 

  • Repeat borrowers save 0.50% APR* with our Loyalty Plus discount
  • Apply online and save 0.25% APR*

White Sands FCU auto loans feature:

  • Flexible terms -  up to 84 months on new auto loans and up to 72 months on used auto loans
  • Take 90 days until first payment due**
  • Skip up to two payments each year**




​​*APR means annual percentage rate.  All loans subject to credit approval.  Some restrictions apply. Stated rates includes Loyalty Plus loan rate discount of 0.50% APR and online loan application rate discount of 0.25% APR.
**Finance charges begin on the date the loan is made and interest accrues during the payment deferral period. The first payment is due within 90 days of loan disbursal.
***Our skip-a-payment program requires the loan be in good standing and is not available for mortgage loans or credit cards. The fee to skip a payment is $20 per payment. Other terms and conditions apply.

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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