Can I apply for a car loan if I haven’t found the car I want yet?
Yes, you can. When you get approved for a vehicle loan before you know what kind of vehicle you want, it is called a “pre-approval loan”. The advantage of being pre-approved for a loan is you can bargain from a position of strength and don’t have to consider financing as part of the car-buying process.…
Read MoreIs White Sands Federal Credit Union offering the Holiday Skip-A-Payment this year?
Yes. Members can skip up to two payments at any time each year, by filling out our online Skip-a-Payment form. You can also call us or visit a branch to skip one of your loan payments.
Read MoreWhat kind of loan can I qualify for if I do not have any collateral to use for the loan?
You may qualify for a personal loan, which is a type of unsecured debt and requires no collateral. Qualifying for a signature loan is dependent on your credit score and your debt-to-income ratio. You can apply for a personal loan online here. You can also call us or visit a branch to apply for a…
Read MoreHow can my teenager obtain a loan?
You must be 18 or older to obtain a loan through White Sands Federal Credit Union. If your teenager is 18 or older, they may apply online. Your teenager may need a co-signer to be approved. Most approvals are made in 24 hours or less. You can also call us or visit a branch to apply…
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 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.