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…Read More
Ready to pick baby names while wondering which color baby booties you’ll need? (Neutral, everyone says go with neutral.) Exciting and life-changing times are ahead! You’re going to have fun decorating the nursery and sharing the good news with everyone. But the next nine months are also important for getting your finances in order. Studies…Read More
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…Read More
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…Read More
Net worth is pretty simple – it is what you own minus what you owe. Some people say you shouldn’t include the equity in your primary residence, your household goods or your vehicles. Others say go ahead and include them. You can decide – that’s your choice. In its most basic form, your net worth…Read More
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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