How do I know what interest rate I qualify for?
If you already know what your credit score is, we can give you a pretty good estimate. However, the only way to find out exactly what interest rate you qualify for is to fill out an online loan application or fill one out at a branch or by phone.
Read MoreDo you offer payment protection for loans?
Yes. We offer credit life and disability insurance, guaranteed asset protection (GAP) and MPOWER + Vehicle Protection. You can find more information on loan payment protection products here.
Read MoreHow do I determine the value of a vehicle?
There are many ways to determine the value of a vehicle. When we provide financing for a vehicle, we typically use the NADA Guides to estimate its value.
Read MoreDo I have to go to a specific dealership to buy my vehicle?
No – you can purchase your vehicle from wherever you wish. Some of the auto dealerships in El Paso and Las Cruces are able to set up White Sands FCU financing right at the dealership when you purchase your vehicle. If the dealership you choose does not have White Sands FCU financing, you just need…
Read MoreCan I pay my loan from another financial institution?
Make your loan payments fast and secure with our online loan payment center.
Read MoreContact Us
Call Center:
(575) 647-4500 or
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.
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.