Do 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.
(575) 647-4500 or
Hours of Operation:
Monday thru Friday, 8 am-5 pm
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.