How is the checking account interest calculated?
The interest on our Preferred Checking and Silver Class Checking is calculated monthly on the average daily balance. The minimum average daily balance to earn the stated annual percentage yield is $1,000. You can view interest calculation information on our Truth-in-Savings disclosure. Our deposit rates are here.
Read MoreWhat should I do if my ATM or Visa Debit Card is lost or stolen?
If your Visa Debit or ATM Card is lost or stolen, please contact 1-800-472-3272 immediately for 24-hour service. You can also call us or visit a branch during our regular business hours to report a card lost or stolen. If you have our Card Valet app downloaded you can switch your card to “off” to disable…
Read MoreHow can I change my PIN to my ATM or Visa Debit Card?
If you are using an ATM Card, You can change your PIN at any White Sands FCU ATM, by first using the PIN you have been assigned. If you do not know your ATM PIN, then you should call us or visit a branch to obtain a new PIN. If you are using your debit…
Read MoreHow can I set up direct deposit?
Direct deposit is a free service that electronically sends your paycheck or other recurring payments to your bank account. To set it up, ask your employer or the organization that will be giving you money for a direct deposit enrollment form. You will need to provide on the form your account number, the type of…
Read MoreDo you have Mobile Banking?
Yes – we have a Mobile Banking app. Visit our Mobile Banking page for more information and app download links.
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.