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iAdvertiser Disclosure
Advertiser Disclosure
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 White Sands Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
White Sands Federal Credit Union's savings rates are at 0.15%. White Sands Federal Credit Union's money market rates are at 0.30%. White Sands Federal Credit Union's Personal Loan Rates are at 5.19%. MonitorBankRates evaluates the financial stability of White Sands Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.21%. Rates were last updated on 04/18/2026. White Sands Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at White Sands Federal Credit Union? Share your experience about White Sands Federal Credit Union by leaving a review below, or read customer reviews before you decide to use White Sands Federal Credit Union. White Sands Federal Credit Union
North Main Branch 2755 N Main St
https://www.wsfcu.org Las Cruces, NM 88001 1149 
White Sands Federal Credit Union Savings Rates
White Sands Federal Credit Union Money Market Rates
White Sands Federal Credit Union Mortgage Rates
White Sands Federal Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for White Sands Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather White Sands Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with White Sands Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
White Sands Federal Credit Union
Website
https://www.wsfcu.org
Address
2755 N Main St,
Las Cruces, NM 88001 1149
Phone
575-647-4500
Fax
575-647-4680
President
Patricia Wagner
CEO
Phillip Fifield
Full-Time Employees
89
Part-Time Employees
6
Branch Locations
4
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.21%
Return on Assets (ROA)
0.8937%
Return on Equity (ROE)
6.9799%
Non-Performing Loans Ratio (NPL)
0.05%
Total Assets
402,747,435
Total Amount of Shares and Deposits
348,983,626
Total Shares and Deposits < 1 Year
330,525,885
Total Shares and Deposits 1 3 Years
16,782,996
Total Shares and Deposits > 3 Years
1,674,744
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
11,642,619
Total Uninsured Shares and Deposits > $250K (F+J)
11,642,619
Total Insured Shares and Deposits > $250K (item 17 less item K)
337,341,007
Total Interest Expense (Sum of items 6 8)
1,883,772
Share Certificates
1,311
Number of Accounts for Share Drafts
13,549
IRA KEOGH Accounts
680
Number of Accounts for Regular Shares
22,445
All other shares
317
Money Market Shares
1,071
Net Income (unless the amount is already included in Undivided Earnings)
3,599,514
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
28,579,049
Total Liabilities
351,197,623
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About White Sands Federal Credit UnionIs White Sands Federal Credit Union a safe place to deposit money?Yes, White Sands Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.20903469519472%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does White Sands Federal Credit Union operate?White Sands Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join White Sands Federal Credit Union?Yes, to access services at White Sands Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, White Sands Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, White Sands Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does White Sands Federal Credit Union offer online and mobile banking?Most modern institutions like White Sands Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.wsfcu.org. Current White Sands Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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