There are many things to consider before purchasing any car, but buying a new car might spark particular questions. There are pros and cons to buying a new car, just as there are pros and cons to buying used cars. First off, when purchasing any vehicle, ask yourself “Why am I buying this car?” Is…Read More
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
You applied for a loan and your application was denied. And now, you are left wondering why. Here are six common reasons loan applications get rejected, and steps you can take to make yourself more likely to be approved for your next loan. Your credit score is too low Your credit score, also called a…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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