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A savings account is also called a “share” account at White Sands FCU.  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.

Once the account is open and active, there is no minimum required balance to avoid fees in the savings account.

There are other fees associated with a savings account.

  • Inactivity fee:  If your account is inactive for more than a year, there is a $5 monthly fee.
  • Excessive withdrawal fee:  In accordance with Federal Regulation D, there is a $1 per transaction fee if you exceed 6 electronic, automatic or telephone transfers or withdrawals in your savings account  in one month.  In person (at a branch) transfers and withdrawals are not subject to Regulation D transaction fees.

Here is our fee schedule.

Category: Savings

Contact Us

Call Center:
(575) 647-4500 or

(800) 658-9933.

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.

Federally Insured by NCUA  Equal Opportunity Lender  Facebook

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.

Tax Solutions and Savings for Members