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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 11th largest credit union in the state of New Mexico. It is also the 824th largest credit union in the nation. It was established in 1952 and as of December of 2021, it had grown to 77 employees and 32,431 members at 4 locations. White Sands Federal Credit Union 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.
See current membership details

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Health
A

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #7960
Year Chartered1952
Employees77
Primary Regulator
Profit Margin
Return on Assets - YTD0.84%
Return on Equity - YTD9.11%
Annual Interest Income$9.0MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$397.6MM$358.4MM
LoansQ4 2021vs Q4 2020$185.7MM$200.6MM
DepositsQ4 2021vs Q4 2020$359.9MM$324.0MM
Equity CapitalQ4 2021vs Q4 2020$36.2MM$32.8MM
Loan Loss AllowanceQ4 2021vs Q4 2020$1.0MM$1.1MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$30.00K$89.00K
Real Estate OwnedQ4 2021vs Q4 2020$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Regular Share
0.05%--Kirby Kangaroo Savings Club
0.05%--Regular IRA
0.05%--CU Succeed Club

White Sands Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$100k*-Money Market
OTHER TIERS: 0.10% → $2.5k - $25k | 0.15% → $25k - $50k | 0.20% → $50k - $100k

White Sands Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$1k-Preferred Checking
0.05%$1k-Silver Class Checking

White Sands Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.46%$25k-5 Year Jumbo Share Certificate
1.36%$1k-5 Year Share Certificate
1.26%$25k-4 Year Jumbo Share Certificate
1.16%$1k-4 Year Share Certificate
1.16%$25k-3 Year Jumbo Share Certificate
1.06%$1k-3 Year Share Certificate
0.95%$25k-2 Year Jumbo Share Certificate
0.85%$1k-2 Year Share Certificate
0.85%$25k-18 Month Jumbo Share Certificate
0.75%$1k-18 Month Share Certificate
0.75%$25k-1 Year Jumbo Share Certificate
0.65%$1k-1 Year Share Certificate
0.40%$25k-6 Month Jumbo Share Certificate
0.30%$1k-6 Month Share Certificate

White Sands Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.46%$25k-5 Year Jumbo IRA Certificate
1.36%$1k-5 Year IRA Certificate
1.26%$25k-4 Year Jumbo IRA Certificate
1.16%$1k-4 Year IRA Certificate
1.16%$25k-3 Year Jumbo IRA Certificate
1.06%$1k-3 Year IRA Certificate
0.95%$25k-2 Year Jumbo IRA Certificate
0.85%$1k-2 Year IRA Certificate
0.85%$25k-18 Month Jumbo IRA Certificate
0.75%$1k-18 Month IRA Certificate
0.75%$25k-1 Year Jumbo IRA Certificate
0.65%$1k-1 Year IRA Certificate
0.40%$25k-6 Month Jumbo IRA Certificate
0.30%$1k-6 Month IRA Certificate
Locations


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 Office1914 N Date StTruth or Consequences, NM 87901

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