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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 822nd largest credit union in the nation. It was established in 1952 and as of June of 2023, it had grown to 73 employees and 33,401 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

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Health
B+

Data as of Q2 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #7960
Year Chartered1952
Employees73
Primary Regulator
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD5.62%
Annual Interest Income$6.7MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$410.7MM$412.5MM
LoansQ2 2023vs Q2 2022$206.5MM$192.0MM
DepositsQ2 2023vs Q2 2022$368.6MM$373.2MM
Equity CapitalQ2 2023vs Q2 2022$40.7MM$37.4MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$971.00K
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$59.00K$15.00K
Real Estate OwnedQ2 2023vs Q2 2022$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
0.15%--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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%*$100k*-Money Market
OTHER TIERS: 0.30% → $2.5k - $25k | 0.70% → $25k - $50k | 0.75% → $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
3.71%$25k-5 Year Jumbo Share Certificate
3.61%$1k-5 Year Share Certificate
3.56%$25k-4 Year Jumbo Share Certificate
3.51%$25k-3 Year Jumbo Share Certificate
3.45%$1k-4 Year Share Certificate
3.45%$25k-2 Year Jumbo Share Certificate
3.40%$1k-3 Year Share Certificate
3.40%$25k-18 Month Jumbo Share Certificate
3.35%$1k-2 Year Share Certificate
3.35%$25k-1 Year Jumbo Share Certificate
3.30%$1k-18 Month Share Certificate
3.25%$1k-1 Year Share Certificate
2.02%$25k-6 Month Jumbo Share Certificate
1.92%$1k-6 Month Share Certificate

White Sands Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.71%$25k-5 Year Jumbo IRA Certificate
3.61%$1k-5 Year IRA Certificate
3.56%$25k-4 Year Jumbo IRA Certificate
3.51%$25k-3 Year Jumbo IRA Certificate
3.45%$1k-4 Year IRA Certificate
3.45%$25k-2 Year Jumbo IRA Certificate
3.40%$1k-3 Year IRA Certificate
3.40%$25k-18 Month Jumbo IRA Certificate
3.35%$1k-2 Year IRA Certificate
3.35%$25k-1 Year Jumbo IRA Certificate
3.30%$1k-18 Month IRA Certificate
3.25%$1k-1 Year IRA Certificate
2.02%$25k-6 Month Jumbo IRA Certificate
1.92%$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 Office115 Buck Greer StreetTruth or Consequences, NM 87901

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