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About Us

As a member-owned, not for profit financial cooperative, White Sands Federal Credit Union is committed to our members. We are dedicated to upholding our fundamental responsibility to actively serve our members and the communities in which they live.

White Sands Federal Credit Union spans two states and four communities, and in keeping with our principal of "Not for profit, not for charity, but for service," we offer competitively priced products and services to our diverse membership.

White Sands Federal Credit Union Membership makes a difference in how you do your banking. As a member of White Sands Federal Credit Union, you become a shareholder of the organization. This entitles you to profit sharing in the form of dividends. This also outlines the key difference between a credit union and a bank - ownership. Credit Unions are not owned by a single person or group, they are owned by their members.

Our Mission

To provide quality products and services to our members.

Our Vision is:

To be a valued member of your family.

Our Core values are:


We are actively involved in supporting the growth and quality of life in our community. We support local organizations by making donations of time, talent and money. We offer support and encouragement to worthy causes, especially those that help youth in need.

Member Experience

Our members are number one and to us they are people and not numbers. We strive to provide the best service possible, creating ongoing win-win partnerships with members. We embrace innovation for efficiency, accuracy and continual improvement in all aspects of our organization.


We are committed to truthfulness and open communication. We earn member trust every day with sincerity and integrity in all we do.


We will treat others professionally and with dignity. We will value others' time, skills, views, and contributions. We respect ourselves and maintain professional conduct inside and outside of work.

Great People

People are our most valuable resource. We strive to maintain a sense of fairness and a sense of humor in all our dealings with others. We invest in our people, whether they are members, employees or people in the community.


We are dedicated to the service of our members by being the best we can in our respective jobs, and by striving for success in everything we do through commitment and loyalty.


We at all times act prudently in the best interest of our members. We are accountable for actions and behaviors. We do the right thing.

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