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Youth Programs

Youth Account

Have fun and learn about saving money

Our Youth Account is designed for children up to 12 years of age. At White Sands Federal Credit Union we make it a priority to help educate children to establish savings habits that will carry with them into their future.

Effective immediately we have discontinued our Kirby Bucks savings incentives. We will honor all Kirby Dollars through March 31, 2023.

Teen Account

Financial education for teens

Our Teen Account is a teen-specific program that is designed for young members aged 13-17. Learning to manage finances is very important, so White Sands Federal Credit Union is pleased to offer a program where young adults are given the opportunity to manage their own money, develop budgeting skills and so much more, in a real-world setting.


First Checking for teens

teen-holding-card-4with Visa® Check Card

White Sands FCU wants to help parents introduce their teenage children to the importance of personal financial management with First Checking – a free checking account just for teens age 13 -17. It is designed to encourage financial literacy and money-management skills.

First Checking is ideal for introducing basic financial management skills, yet full-featured enough to carry the account holder through to college and into the workplace with financial tools like check-writing privileges, a Visa® Check Card and CU Online banking.

Parents can use First Checking to teach everyday financial management by:

  • Promoting sound financial behaviors by depositing a child’s allowance on the same schedule as the parent’s paycheck, thereby encouraging prudent budgeting and spending until the next “payday.”
  • Encouraging your teen to deposit money earned from part-time jobs as well as birthday or holiday gift money.
  • Encouraging monitoring of accounts through free online banking services.
  • Most important, First Checking is a joint account between parent and child, so parents are always in control.

Contact us for more information on how you can help your teen gain important money management skills.

 More about checking accounts here.

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