Can anyone get a loan from your credit union?
There are two requirements to get a loan from White Sands FCU. You must be a member. You can find out who can join here. You must qualify credit-wise. To apply for a loan, you can come in or call us or use our online loan application. Once your application is received by us, we…
Read MoreDo I need to get an appraisal on my used car to refinance?
No, you do not need an appraisal on your car. White Sands Federal Credit Union will use the NADA value of your vehicle to determine the amount we can finance. You can see our loan rates here, and apply here. Applications are also accepted by phone or at any branch.
Read MoreWhen applying for a loan, how much of the process can be done over the phone for a preapproval of a loan?
The entire pre-approval process can be completed over the phone. Give us a call. You can also apply for a loan online.
Read MoreDo I have a grace period on my loan payment?
Yes, there is a payment grace period for all of our loans. The number of days depends on the type of loan you have. Consumer loans, including vehicle loans, lines of credits, and signature loans, have a 10-day grace period. Mortgage loans, including home equity loans and home equity lines of credit, have a 15-day grace period. Taking…
Read MoreHow do I apply for a loan or credit card?
Go here to apply for any loan. Go here to apply for a credit card. You can also apply for any loan or credit card by calling us or visiting a branch. See our rates here.
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.