White Sands Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.73%	5-year CD	3.10% - Barclays 60 Month Online CD
1.81%	1-year CD	2.75% - Barclays 12 Month Online CD
0.20%	Savings	0.27% - National Average

View all White Sands Federal Credit Union rates »

Overview / Commentary

www.wsfcu.org

800-658-9933

2755 N Main St
Las Cruces, NM 88001-1149

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 789^th largest credit union in the nation. It was established in 1952 and as of December of 2018, it had grown to 89 employees and 33,782 members at 5 locations. White Sands Federal Credit Union's CD rates are 2X 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.
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Health

B+

Data as of Q4 2018

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Health Grade Components

Overall
NCUA #	7960
Year Chartered	1952
Employees	89
Primary Regulator

Profit Margin
Return on Assets - YTD	0.53%
Return on Equity - YTD	5.78%
Annual Interest Income	$10.5MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$307.9MM$296.9MM
Loans	Q4 2018vs Q4 2017	$201.7MM$197.7MM
Deposits	Q4 2018vs Q4 2017	$278.9MM$269.8MM
Equity Capital	Q4 2018vs Q4 2017	$28.0MM$26.1MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$1.1MM$882.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$1.4MM$736.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* 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
0.20%	-	-	Regular Share
0.20%	-	-	Kirby Kangaroo Savings Club
0.20%	-	-	Regular IRA
0.20%	-	-	CU Succeed Club

White Sands Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$100k^*	-	Money Market
OTHER TIERS: 0.30% → $2.5k - $25k \| 0.40% → $25k - $50k \| 0.45% → $50k - $100k

White Sands Federal Credit Union Checking Account Rates

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

White Sands Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.83%	$25k	-	5 Year Jumbo Share Certificate
2.73%	$1k	-	5 Year Share Certificate
2.48%	$25k	-	4 Year Jumbo Share Certificate
2.43%	$25k	-	3 Year Jumbo Share Certificate
2.38%	$1k	-	4 Year Share Certificate
2.32%	$1k	-	3 Year Share Certificate
2.27%	$25k	-	2 Year Jumbo Share Certificate
2.17%	$1k	-	2 Year Share Certificate
2.17%	$25k	-	18 Month Jumbo Share Certificate
2.07%	$1k	-	18 Month Share Certificate
1.92%	$25k	-	1 Year Jumbo Share Certificate
1.81%	$1k	-	1 Year Share Certificate
0.75%	$25k	-	6 Month Jumbo Share Certificate
0.65%	$1k	-	6 Month Share Certificate

White Sands Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.83%	$25k	-	5 Year Jumbo IRA Certificate
2.73%	$1k	-	5 Year IRA Certificate
2.48%	$25k	-	4 Year Jumbo IRA Certificate
2.43%	$25k	-	3 Year Jumbo IRA Certificate
2.38%	$1k	-	4 Year IRA Certificate
2.32%	$1k	-	3 Year IRA Certificate
2.27%	$25k	-	2 Year Jumbo IRA Certificate
2.17%	$1k	-	2 Year IRA Certificate
2.17%	$25k	-	18 Month Jumbo IRA Certificate
2.07%	$1k	-	18 Month IRA Certificate
1.92%	$25k	-	1 Year Jumbo IRA Certificate
1.81%	$1k	-	1 Year IRA Certificate
0.75%	$25k	-	6 Month Jumbo IRA Certificate
0.65%	$1k	-	6 Month IRA Certificate

Locations

White Sands Federal Credit Union Locations
Branch Office	143 Rock Island Ave	White Sands Missile Range, NM 88002
Branch Office	2755 N Main St	Las Cruces, NM 88001-1149
Branch Office	2190 E Lohman Ave	Las Cruces, NM 88001-8452
Branch Office	1914 N Date St	Truth or Consequences, NM 87901
Branch Office	4545 Hondo Pass Dr	El Paso, TX 79904-1303

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