What is a Home Equity Line of Credit (HELOC)?
A home equity line of credit (HELOC) is a line of credit extended to a homeowner that uses the borrower’s home as collateral. White Sands FCU’s HELOCs are for 10 years with a variable interest rate based on the current prime rate plus a margin. Go here for more information about HELOCs.
Read MoreCan I pay my loan from another financial institution?
Make your loan payments fast and secure with our online loan payment center.
Read MoreCan I make my loan payment over the phone?
Yes – you can make your loan payment by calling us during regular business hours.
Read MoreCan I make my loan payment online?
Yes – if you are enrolled in CU Online banking, you can transfer funds from your checking, savings or money market account to your loan account for the payment. You can also make a loan payment using your debit or credit card. There is a per-transaction fee for this service. You can find out more…
Read MoreDoes the loyalty plus discount apply to mortgage loans?
No, the Loyalty Plus loan rate discount doe snot apply to mortgage loans. You can find our current mortgage loan 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.