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debt-to-income ratio

Have you ever applied for a loan and been told that your debt-to-income ratio was too high? You may have wondered what that meant. Your debt-to-income ratio is the portion of your income that goes to debt payment, and it is a key component of creditworthiness. Lenders consider debt-to-income ratio along with credit score when…

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hands holding pennies and sign reading college fund

With the price of higher education still on an upward trajectory, families are looking for ways to make college more affordable. According to “How America Pays for College,” a report by Sallie Mae, the average American family spent $23,757 on college costs in 2017, which is a 38 percent increase over 10 years ago. Here…

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loan application

Nobody likes getting turned down for a loan. And although White Sands FCU makes every effort to approve all loan requests, it’s sometimes necessary to deny an application–to protect the applicant’s financial health, as well as the credit union’s. When the credit union denies a loan, it’s because the applicant has either (1) a poor…

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young boy with piggy bank

This post is brought to you by America Saves, a campaign managed by the nonprofit Consumer Federation of America, which motivates, encourages, and supports low- to moderate-income households to save money, reduce debt, and build wealth. Celebrate America Saves Week, February 25 – March 2, 2019. Set a Goal. Make a Plan. Save Automatically.  …

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two hands with 100 dollar bill

It’s a rite of passage into adulthood – your first paycheck. It doesn’t matter whether you are a teen with an after school job or a recent college graduate, you first paycheck always seems to have some surprises. Here is a brief review of the important information on the statement of your first paycheck, and…

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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.

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