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 812th largest credit union in the nation. It was established in 1952 and as of June of 2022, it had grown to 82 employees and 32,512 members at 4 locations. White Sands Federal Credit Union's CD rates are 40% higher than 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.
See current membership details


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Health Grade Components

NCUA #7960
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD0.7%
Return on Equity - YTD7.64%
Annual Interest Income$4.5MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$412.5MM$380.1MM
LoansQ2 2022vs Q2 2021$192.0MM$185.4MM
DepositsQ2 2022vs Q2 2021$373.2MM$343.6MM
Equity CapitalQ2 2022vs Q2 2021$37.4MM$34.5MM
Loan Loss AllowanceQ2 2022vs Q2 2021$971.00K$1.1MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$15.00K$30.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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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

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

0.40%*$100k*-Money Market
OTHER TIERS: 0.15% $2.5k - $25k | 0.30% $25k - $50k | 0.35% $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

2.27%$25k-5 Year Jumbo Share Certificate
2.17%$1k-5 Year Share Certificate
2.02%$25k-4 Year Jumbo Share Certificate
1.92%$1k-4 Year Share Certificate
1.71%$25k-3 Year Jumbo Share Certificate
1.61%$1k-3 Year Share Certificate
1.56%$25k-2 Year Jumbo Share Certificate
1.46%$1k-2 Year Share Certificate
1.46%$25k-18 Month Jumbo Share Certificate
1.36%$1k-18 Month Share Certificate
1.26%$25k-1 Year Jumbo Share Certificate
1.16%$1k-1 Year Share Certificate
0.55%$25k-6 Month Jumbo Share Certificate
0.45%$1k-6 Month Share Certificate

White Sands Federal Credit Union IRA Rates

2.27%$25k-5 Year Jumbo IRA Certificate
2.17%$1k-5 Year IRA Certificate
2.02%$25k-4 Year Jumbo IRA Certificate
1.92%$1k-4 Year IRA Certificate
1.71%$25k-3 Year Jumbo IRA Certificate
1.61%$1k-3 Year IRA Certificate
1.56%$25k-2 Year Jumbo IRA Certificate
1.46%$1k-2 Year IRA Certificate
1.46%$25k-18 Month Jumbo IRA Certificate
1.36%$1k-18 Month IRA Certificate
1.26%$25k-1 Year Jumbo IRA Certificate
1.16%$1k-1 Year IRA Certificate
0.55%$25k-6 Month Jumbo IRA Certificate
0.45%$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 Office1914 N Date StTruth or Consequences, NM 87901

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