White Sands Federal Credit Union

Overview / Commentary
2755 N Main St
Las Cruces, NM 88001

White Sands Federal Credit Union is headquartered in Las Cruces and is the 11th largest credit union in the state of New Mexico. It is also the 844th largest credit union in the nation. It was established in 1952 and as of December of 2023, it had grown to 75 employees and 30,948 members at 4 locations. White Sands Federal Credit Union's CD rates are 4X the national average, and it has a B+ 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.
See current membership details


No reviews have been left for this bank yet. Be the first to review.


Health Grade Components

NCUA #7960
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD1.04%
Return on Equity - YTD9.68%
Annual Interest Income$14.4MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$396.6MM$414.6MM
LoansQ4 2023vs Q4 2022$208MM$194.4MM
DepositsQ4 2023vs Q4 2022$353MM$374.2MM
Equity CapitalQ4 2023vs Q4 2022$43.1MM$38.7MM
Loan Loss AllowanceQ4 2023vs Q4 2022$445K$877K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$149K$40K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
Report an Issue

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

0.15%--Regular Share
0.15%--Kirby Kangaroo Savings Club
0.15%--Regular IRA
0.15%--CU Succeed Club

White Sands Federal Credit Union Money Market Rates

1.11%*$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

0.05%$1k-Preferred Checking
0.05%$1k-Silver Class Checking

White Sands Federal Credit Union CD Rates

3.82%$25k-5 Year Jumbo Share Certificate
3.71%$1k-5 Year Share Certificate
3.71%$25k-4 Year Jumbo Share Certificate
3.66%$25k-3 Year Jumbo Share Certificate
3.61%$1k-4 Year Share Certificate
3.61%$25k-2 Year Jumbo Share Certificate
3.56%$1k-3 Year Share Certificate
3.56%$25k-18 Month Jumbo Share Certificate
3.51%$1k-2 Year Share Certificate
3.51%$25k-1 Year Jumbo Share Certificate
3.45%$1k-18 Month Share Certificate
3.40%$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

3.82%$25k-5 Year Jumbo IRA Certificate
3.71%$1k-5 Year IRA Certificate
3.71%$25k-4 Year Jumbo IRA Certificate
3.66%$25k-3 Year Jumbo IRA Certificate
3.61%$1k-4 Year IRA Certificate
3.61%$25k-2 Year Jumbo IRA Certificate
3.56%$1k-3 Year IRA Certificate
3.56%$25k-18 Month Jumbo IRA Certificate
3.51%$1k-2 Year IRA Certificate
3.51%$25k-1 Year Jumbo IRA Certificate
3.45%$1k-18 Month IRA Certificate
3.40%$1k-1 Year IRA Certificate
2.68%$25k-6 Month Jumbo IRA Certificate
2.58%$1k-6 Month IRA Certificate

White Sands Federal Credit Union Locations
Branch Office2755 N Main StLas Cruces, NM 88001-1149
Branch Office2190 E Lohman AveLas Cruces, NM 88001-8452
Branch Office4545 Hondo Pass DrEl Paso, TX 79904-1303
Branch Office115 Buck Greer StreetTruth or Consequences, NM 87901

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.