How much money do I need to open a checking account?
If you are already a member, you can open a checking account with any amount – even as little as $1. There just needs to be a deposit of any amount to start the account. You can view our checking options here.
If you are not yet a member, you first need to open a savings (share) account. The fee to open a new savings account (and establish a new membership) is $15. $10 is the one-time membership fee and $5 is the purchase of one share of the credit union. The $5 share remains pledged in your account until the account is closed.
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(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.
I would like to open a checking/savings account
To open a checking or savings account, you will need to visit one of our branch locations.
Would like a open a checking and savings acc4
You can visit any branch to open a savings account (also called a share account), which establishes your membership with the credit union. Once you have a savings/share account you can open a checking account. Please contact us if you have any questions.
What are the different checking accounts, what are the fees, and how much are the checks?
Mr. Patterson our different checking accounts can be found here https://www.wsfcu.org/checking-accounts/
Hi, I would like to open an account with this CU. However, since the lobby is closed…. how would I do that?
Hello, we can open the account for you through our Drive-Up.
how does you’re business account work
Good afternoon we offer a DBA account but we don’t have a specific business account. If you would like more information on the DBA account our account representatives can assist you if you give us a call at 575-647-4500. Thank you.
Would like to open a checkings account…
We would be happy to open a checking account for you please call us at 575-647-4500 to schedule an appointment.