White Sands Federal Credit Union

Overview / Commentary

www.wsfcu.org

800-658-9933

2755 N Main St
Las Cruces, NM 88001

White Sands Federal Credit Union is headquartered in Las Cruces and is the 11^th largest credit union in the state of New Mexico. It is also the 845^th largest credit union in the nation. It was established in 1952 and as of June of 2024, it had grown to 75 employees and 30,886 members at 4 locations. White Sands Federal Credit Union's CD rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to employees of the White Sands Missile Range, White Sands Test Facility, the City of Las Cruces, Dona Ana County, Memorial Medical Center, Mountain View Regional Medical Center, Las Cruces Public Schools, and other organizations.
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Health

Data as of Q2 2024

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Health Grade Components

Overall
NCUA #	7960
Year Chartered	1952
Employees	75
Primary Regulator

Profit Margin
Return on Assets - YTD	1.19%
Return on Equity - YTD	10.45%
Annual Interest Income	$8.2MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$398.6MM$410.7MM
Loans	Q2 2024vs Q2 2023	$198.8MM$206.5MM
Deposits	Q2 2024vs Q2 2023	$351.8MM$368.6MM
Equity Capital	Q2 2024vs Q2 2023	$45.5MM$40.7MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$483K$445K
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$36K$59K
Real Estate Owned	Q2 2024vs Q2 2023	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not White Sands Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

White Sands Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%	$0	-	Regular Share
0.15%	$0	-	Youth Savings Club
0.15%	$0	-	Regular IRA
0.15%	$0	-	CU Succeed Club

White Sands Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.10%^*	$100k^*	-	Money Market
OTHER TIERS: 0.30% → $2.5k - $25k \| 0.80% → $25k - $50k \| 0.90% → $50k - $100k

White Sands Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$1k	-	Silver Class Checking

White Sands Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.71%	$25k	-	5 Year Jumbo Share Certificate
3.61%	$1k	-	5 Year Share Certificate
3.61%	$25k	-	4 Year Jumbo Share Certificate
3.56%	$25k	-	3 Year Jumbo Share Certificate
3.51%	$1k	-	4 Year Share Certificate
3.51%	$25k	-	2 Year Jumbo Share Certificate
3.45%	$1k	-	3 Year Share Certificate
3.45%	$25k	-	18 Month Jumbo Share Certificate
3.40%	$1k	-	2 Year Share Certificate
3.40%	$25k	-	1 Year Jumbo Share Certificate
3.35%	$1k	-	18 Month Share Certificate
3.30%	$1k	-	1 Year Share Certificate
2.68%	$25k	-	6 Month Jumbo Share Certificate
2.58%	$1k	-	6 Month Share Certificate

White Sands Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.71%	$25k	-	5 Year Jumbo IRA Certificate
3.61%	$1k	-	5 Year IRA Certificate
3.61%	$25k	-	4 Year Jumbo IRA Certificate
3.56%	$25k	-	3 Year Jumbo IRA Certificate
3.51%	$1k	-	4 Year IRA Certificate
3.51%	$25k	-	2 Year Jumbo IRA Certificate
3.45%	$1k	-	3 Year IRA Certificate
3.45%	$25k	-	18 Month Jumbo IRA Certificate
3.40%	$1k	-	2 Year IRA Certificate
3.40%	$25k	-	1 Year Jumbo IRA Certificate
3.35%	$1k	-	18 Month IRA Certificate
3.30%	$1k	-	1 Year IRA Certificate
2.68%	$25k	-	6 Month Jumbo IRA Certificate
2.58%	$1k	-	6 Month IRA Certificate

Locations

White Sands Federal Credit Union Locations
Branch Office	2755 N Main St	Las Cruces, NM 88001-1149
Branch Office	2190 E Lohman Ave	Las Cruces, NM 88001-8452
Branch Office	4545 Hondo Pass Dr	El Paso, TX 79904-1303
Branch Office	115 Buck Greer Street	Truth or Consequences, NM 87901

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