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White Sands Federal Credit Union

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White Sands Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at White Sands Federal Credit Union?

Current rates for White Sands Federal Credit Union include: 12-Month CD: 3.14%, 18-Month CD: 3.20%, 24-Month CD: 3.25%, 60-Month CD: 3.45%, Savings: 0.15%, MMA: 1.76%

Q: What CD terms does White Sands Federal Credit Union offer?

White Sands Federal Credit Union CD rates are 3.14% APY for a 12 month CD, 3.20% APY for an 18 month CD, 3.25% APY for a 2 year CD, 3.67% APY for a 3 year CD, 3.71% APY for a 4 year CD and 3.45% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with White Sands Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

White Sands Federal Credit Union's Jumbo Share and IRA CD - 5 Year - Loyalty rates are at 3.76%, Jumbo Share and IRA CD - 4 Year - Loyalty rates are at 3.71%, Jumbo Share and IRA CD - 3 Year - Loyalty rates are at 3.67%, Share and IRA CD 5 Year - Loyalty rates are at 3.67%, Share and IRA CD 4 Year - Loyalty rates are at 3.61%. White Sands Federal Credit Union's savings rates are at 0.15%. White Sands Federal Credit Union's money market rates are at 1.76%. White Sands Federal Credit Union's Personal Loan Rates are as low as 9.79%. White Sands Federal Credit Union's CD rates are 24% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 0.43%. Rates last updated and verified on 10/28/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.43%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

White Sands Federal Credit Union
North Main Branch

2755 N Main St
Las Cruces, NM 88001-1149

https://www.wsfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

White Sands Federal Credit Union CD Rates

Product	Rate	APY	Term
Jumbo Share and IRA Certificate - 5 Year - Loyalty	3.70%	3.76%	5 Year
Min Deposit $25,000 Details Loyalty APR and APY; requires a Platinum or Silver Debit Account; Jumbo share and IRA certificate Last Updated 10/28/2026 Rate History 2 changes since Sep 17, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.77% / low 3.66% Oct 28, 20263.76%▼ from 3.77% Oct 12, 20263.77%▲ from 3.66% Sep 17, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - 4 Year - Loyalty	3.65%	3.71%	4 Year
Min Deposit $25,000 Details Loyalty APR and APY; requires a Platinum or Silver Debit Account; Jumbo share and IRA certificate Last Updated 10/28/2026 Rate History 2 changes since Sep 17, 2026 · 3.61% → 3.71% ▲ 0.10 pts · high 3.72% / low 3.61% Oct 28, 20263.71%▼ from 3.72% Oct 12, 20263.72%▲ from 3.61% Sep 17, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - 3 Year - Loyalty	3.60%	3.67%	3 Year
Min Deposit $25,000 Details Loyalty APR and APY; requires a Platinum or Silver Debit Account; Jumbo share and IRA certificate Last Updated 10/28/2026 Rate History 1 change since Sep 17, 2026 · 3.56% → 3.67% ▲ 0.11 pts · high 3.67% / low 3.56% Oct 12, 20263.67%▲ from 3.56% Sep 17, 20263.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Share and IRA Certificate 5 Year - Loyalty	3.60%	3.67%	5 Year
Min Deposit $1,000 Details Loyalty APR and APY; requires a Platinum or Silver Debit Account; regular share and IRA certificate; APY based on compounded rate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.67% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Share and IRA Certificate 4 Year - Loyalty	3.55%	3.61%	4 Year
Min Deposit $1,000 Details Loyalty APR and APY; requires a Platinum or Silver Debit Account; regular share and IRA certificate; APY based on compounded rate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.61% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - 2 Year - Loyalty	3.50%	3.56%	2 Year
Min Deposit $25,000 Details Loyalty APR and APY; requires a Platinum or Silver Debit Account; Jumbo share and IRA certificate Last Updated 10/28/2026 Rate History 1 change since Sep 17, 2026 · 3.51% → 3.56% ▲ 0.05 pts · high 3.56% / low 3.51% Oct 12, 20263.56%▲ from 3.51% Sep 17, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - 5 Year	3.50%	3.56%	5 Year
Min Deposit $25,000 Details Jumbo share and IRA certificate; APY based on compounded rate Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.56% ▲ 0.11 pts · high 3.56% / low 3.45% Oct 12, 20263.56%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Share and IRA Certificate 3 Year - Loyalty	3.50%	3.56%	3 Year
Min Deposit $1,000 Details Loyalty APR and APY; requires a Platinum or Silver Debit Account; regular share and IRA certificate; APY based on compounded rate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.56% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - 18 Month - Loyalty	3.45%	3.51%	18 Month
Min Deposit $25,000 Details Loyalty APR and APY; requires a Platinum or Silver Debit Account; Jumbo share and IRA certificate Last Updated 10/28/2026 Rate History 2 changes since Sep 17, 2026 · 3.45% → 3.51% ▲ 0.06 pts · high 3.51% / low 3.45% Oct 28, 20263.51%▲ from 3.50% Oct 12, 20263.50%▲ from 3.45% Sep 17, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - 4 Year	3.45%	3.51%	4 Year
Min Deposit $25,000 Details Jumbo share and IRA certificate; APY based on compounded rate Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 3.40% → 3.51% ▲ 0.11 pts · high 3.51% / low 3.40% Oct 28, 20263.51%▲ from 3.50% Oct 12, 20263.50%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - 1 Year - Loyalty	3.40%	3.45%	1 Year
Min Deposit $25,000 Details Loyalty APR and APY; requires a Platinum or Silver Debit Account; Jumbo share and IRA certificate Last Updated 10/28/2026 Rate History 1 change since Sep 17, 2026 · 3.40% → 3.45% ▲ 0.05 pts · high 3.45% / low 3.40% Oct 12, 20263.45%▲ from 3.40% Sep 17, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - 3 Year	3.40%	3.45%	3 Year
Min Deposit $25,000 Details Jumbo share and IRA certificate; APY based on compounded rate Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35% Oct 12, 20263.45%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Share and IRA Certificate 2 Year - Loyalty	3.40%	3.45%	2 Year
Min Deposit $1,000 Details Loyalty APR and APY; requires a Platinum or Silver Debit Account; regular share and IRA certificate; APY based on compounded rate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Share and IRA Certificate 5 Year	3.40%	3.45%	5 Year
Min Deposit $1,000 Details Regular share and IRA certificate; APY based on compounded rate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Share and IRA Certificate 18 Month - Loyalty	3.35%	3.40%	18 Month
Min Deposit $1,000 Details Loyalty APR and APY; requires a Platinum or Silver Debit Account; regular share and IRA certificate; APY based on compounded rate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Share and IRA Certificate 4 Year	3.35%	3.40%	4 Year
Min Deposit $1,000 Details Regular share and IRA certificate; APY based on compounded rate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - 2 Year	3.30%	3.35%	2 Year
Min Deposit $25,000 Details Jumbo share and IRA certificate; APY based on compounded rate Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.35% ▲ 0.05 pts · high 3.35% / low 3.30% Oct 12, 20263.35%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - 6 Month - Loyalty	3.30%	3.35%	6 Month
Min Deposit $25,000 Details Loyalty APR and APY; requires a Platinum or Silver Debit Account; Jumbo share and IRA certificate Last Updated 10/28/2026 Rate History No change since Sep 17, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Share and IRA Certificate 1 Year - Loyalty	3.30%	3.35%	1 Year
Min Deposit $1,000 Details Loyalty APR and APY; requires a Platinum or Silver Debit Account; regular share and IRA certificate; APY based on compounded rate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Share and IRA Certificate 3 Year	3.30%	3.35%	3 Year
Min Deposit $1,000 Details Regular share and IRA certificate; APY based on compounded rate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - 18 Month	3.25%	3.30%	18 Month
Min Deposit $25,000 Details Jumbo share and IRA certificate; APY based on compounded rate Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.30% ▲ 0.05 pts · high 3.30% / low 3.25% Oct 12, 20263.30%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - 1 Year	3.20%	3.25%	1 Year
Min Deposit $25,000 Details Jumbo share and IRA certificate; APY based on compounded rate Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.25% ▲ 0.05 pts · high 3.25% / low 3.20% Oct 12, 20263.25%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Share and IRA Certificate 2 Year	3.20%	3.25%	2 Year
Min Deposit $1,000 Details Regular share and IRA certificate; APY based on compounded rate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Share and IRA Certificate 6 Month - Loyalty	3.20%	3.25%	6 Month
Min Deposit $1,000 Details Loyalty APR and APY; requires a Platinum or Silver Debit Account; regular share and IRA certificate; APY based on compounded rate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Share and IRA Certificate 18 Month	3.15%	3.20%	18 Month
Min Deposit $1,000 Details Regular share and IRA certificate; APY based on compounded rate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Jumbo Share and IRA Certificate - 6 Month	3.10%	3.14%	6 Month
Min Deposit $25,000 Details Jumbo share and IRA certificate; APY based on compounded rate Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.14% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Share and IRA Certificate 1 Year	3.10%	3.14%	1 Year
Min Deposit $1,000 Details Regular share and IRA certificate; APY based on compounded rate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.14% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Share and IRA Certificate 6 Month	3.00%	3.04%	6 Month
Min Deposit $1,000 Details Regular share and IRA certificate; APY based on compounded rate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.04% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%

White Sands Federal Credit Union Savings Rates

Product	Rate	APY
Regular Share	0.15%	0.15%
Details Share Dividend Rates Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Youth Savings Club	0.15%	0.15%
Details Share Dividend Rates Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%

White Sands Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.75%	1.76%
Min Balance $200,000 Details Balance: $200,000 and over; Dividend Rate (APR*) 1.75% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Money Market	1.25%	1.26%
Min Balance $100,000 Details Balance: $100,000 - $199,999.99; Dividend Rate (APR*) 1.25% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Money Market	0.90%	0.90%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Dividend Rate (APR*) 0.90% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Money Market	0.80%	0.80%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Dividend Rate (APR*) 0.80% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Money Market	0.30%	0.30%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99; Dividend Rate (APR*) 0.30% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%

White Sands Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Used Auto Loan	-	-	5.19%	Up to 72 months
Details Loyalty Plus & Digital Services Discount APR. Rates and terms may vary. Subject to credit approval. Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 5.19% ▲ 0.20 pts · high 5.19% / low 4.99% Oct 4, 20265.19%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
New Auto Loan	-	-	5.39%	Up to 72 months
Details As Low As; Standard APR Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 5.19% → 5.39% ▲ 0.20 pts · high 5.39% / low 5.19% Oct 4, 20265.39%▲ from 5.19% Sep 14, 20265.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
New Auto Loan	-	-	5.79%	Up to 78 months
Details As Low As; Standard APR Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 5.59% → 5.79% ▲ 0.20 pts · high 5.79% / low 5.59% Oct 4, 20265.79%▲ from 5.59% Sep 14, 20265.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Used Auto Loan	-	-	5.79%	Up to 72 months
Details As Low As; Rates and terms may vary. Subject to credit approval. Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 4.99% → 5.79% ▲ 0.80 pts · high 5.79% / low 4.99% Oct 8, 20265.79%▲ from 5.19% Oct 4, 20265.19%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
New Auto Loan	-	-	6.19%	Up to 84 months
Details As Low As; Standard APR Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.19% ▲ 0.20 pts · high 6.19% / low 5.99% Oct 4, 20266.19%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%

White Sands Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Recreational Vehicle Loan	-	7.40%	Up to 84 months
Details As Low As; APR* As Low As - with Loyalty Plus & Digital Services Discount; Loan rates and terms are determined by credit score, amount financed and other factors Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 8.00% → 7.40% ▼ 0.60 pts · high 8.00% / low 7.40% Oct 12, 20267.40%▼ from 8.00% Sep 14, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
New Recreational Vehicle Loan	-	7.90%	85-120 months
Details As Low As; APR* As Low As - with Loyalty Plus & Digital Services Discount; Loan rates and terms are determined by credit score, amount financed and other factors Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 8.50% → 7.90% ▼ 0.60 pts · high 8.50% / low 7.90% Oct 12, 20267.90%▼ from 8.50% Sep 14, 20268.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Used Recreational Vehicle Loan	-	7.90%	Up to 84 months
Details As Low As; with Loyalty Plus & Digital Services Discount; Rates subject to change without notice Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 8.50% → 7.90% ▼ 0.60 pts · high 8.50% / low 7.90% Oct 8, 20267.90%▼ from 8.50% Sep 14, 20268.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Boats, Jet Skis, & Motorcycle Loan - New	-	8.00%	Up to 66 months
Details As Low As; Type: New Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 8.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
New Recreational Vehicle Loan	-	8.00%	Up to 84 months
Details As Low As; APR* As Low As; Loan rates and terms are determined by credit score, amount financed and other factors Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
New Recreational Vehicle Loan	-	8.40%	121-144 months
Details As Low As; APR* As Low As - with Loyalty Plus & Digital Services Discount; Loan rates and terms are determined by credit score, amount financed and other factors Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 9.00% → 8.40% ▼ 0.60 pts · high 9.00% / low 8.40% Oct 12, 20268.40%▼ from 9.00% Sep 14, 20269.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Used Recreational Vehicle Loan	-	8.40%	85-120 months
Details As Low As; with Loyalty Plus & Digital Services Discount; Rates subject to change without notice Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 9.00% → 8.40% ▼ 0.60 pts · high 9.00% / low 8.40% Oct 8, 20268.40%▼ from 9.00% Sep 14, 20269.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Boats, Jet Skis, & Motorcycle Loan - Used	-	8.50%	Up to 66 months
Details As Low As; Type: Used Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 8.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
New Recreational Vehicle Loan	-	8.50%	85-120 months
Details As Low As; APR* As Low As; Loan rates and terms are determined by credit score, amount financed and other factors Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Used Recreational Vehicle Loan	-	8.50%	Up to 84 months
Details As Low As; Rates subject to change without notice Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Used Recreational Vehicle Loan	-	8.90%	121-144 months
Details As Low As; with Loyalty Plus & Digital Services Discount; Rates subject to change without notice Last Updated 10/28/2026 Rate History 1 change since Sep 14, 2026 · 9.50% → 8.90% ▼ 0.60 pts · high 9.50% / low 8.90% Oct 8, 20268.90%▼ from 9.50% Sep 14, 20269.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
New Recreational Vehicle Loan	-	9.00%	121-144 months
Details As Low As; APR* As Low As; Loan rates and terms are determined by credit score, amount financed and other factors Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Used Recreational Vehicle Loan	-	9.00%	85-120 months
Details As Low As; Rates subject to change without notice Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Used Recreational Vehicle Loan	-	9.50%	121-144 months
Details As Low As; Rates subject to change without notice Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%

White Sands Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan - Signature	9.79%	Up to 60 months
Details As Low As; APR*: Annual Percentage Rate; Rates subject to change without notice Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 9.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Personal Loan - Line of Credit	11.00%	Revolving
Details As Low As; APR*: Annual Percentage Rate; Rates subject to change without notice Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 11.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%

White Sands Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Anything Loan	-	-	7.35%	Up to 10 years
Details As Low As; Home equity secured, fixed rate Last Updated 10/28/2026 Rate History No change since Sep 17, 2026 · 7.35% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Anything Loan	-	-	6.75%	Up to 10 years
Details Loyalty Plus & Digital Services Discount; Home equity secured, fixed rate Last Updated 10/28/2026 Rate History 1 change since Sep 17, 2026 · 7.35% → 6.75% ▼ 0.60 pts · high 7.35% / low 6.75% Sep 18, 20266.75%▼ from 7.35% Sep 17, 20267.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Regular IRA	0.15%	-	0.15%
Details IRA Dividend Rate; APY: Annual Percentage Yield, based on compounded rate Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%
Teen Succeed	0.15%	-	0.15%
Details Share Dividend Rates Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.43%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

White Sands Federal Credit Union’s Texas Ratio stayed near 0.14% in Q3 2023 to 0.43% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$414M	0.43%	5.0	A+
March 31, 2026	$415M	0.33%	5.0	A+
December 31, 2025	$404M	0.20%	5.0	A+
September 30, 2025	$403M	0.21%	5.0	A+
June 30, 2025	$400M	0.32%	5.0	A+
March 31, 2025	$403M	0.17%	5.0	A+
December 31, 2024	$392M	0.06%	5.0	A+
September 30, 2024	$395M	0.07%	5.0	A+
June 30, 2024	$399M	0.08%	5.0	A+
March 31, 2024	$399M	0.21%	5.0	A+
December 31, 2023	$397M	0.34%	5.0	A+
September 30, 2023	$407M	0.14%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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

President Patricia Wagner

CEO Phillip Fifield

Full-Time Employees 85

Part-Time Employees 6

Branch Locations 5

ATM Locations 5

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.43%

Return on Assets (ROA)

0.4996%

Return on Equity (ROE)

3.7950%

Non-Performing Loans Ratio (NPL)

0.11%

Total Assets

413,834,106

Total Amount of Shares and Deposits

357,147,014

Total Shares and Deposits < 1 Year

340,326,188

Total Shares and Deposits 1 3 Years

12,770,559

Total Shares and Deposits > 3 Years

4,050,267

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

14,208,476

Total Uninsured Shares and Deposits > $250K (F+J)

14,208,476

Total Insured Shares and Deposits > $250K (item 17 less item K)

342,938,538

Total Interest Expense (Sum of items 6 8)

1,317,333

Share Certificates

1,402

Number of Accounts for Share Drafts

10,008

IRA KEOGH Accounts

638

Number of Accounts for Regular Shares

21,762

All other shares

425

Money Market Shares

773

Net Income (unless the amount is already included in Undivided Earnings)

2,067,680

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

30,104,813

Total Liabilities

359,320,266

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

White Sands Federal Credit Union earned the Verified Healthy badge

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About White Sands Federal Credit Union

Does White Sands Federal Credit Union offer CDs?

Yes. White Sands Federal Credit Union current CD rates include its Jumbo Share and IRA CD - 5 Year - Loyalty at 3.76% APY, its Jumbo Share and IRA CD - 4 Year - Loyalty at 3.71% APY and its Jumbo Share and IRA CD - 3 Year - Loyalty at 3.67% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from White Sands Federal Credit Union NCUA insured?

Yes. White Sands Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at White Sands Federal Credit Union?

The highest White Sands Federal Credit Union CD rate is its Jumbo Share and IRA CD - 5 Year - Loyalty at 3.76% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does White Sands Federal Credit Union offer?

White Sands Federal Credit Union CD rates are 3.14% APY for a 12 month CD, 3.20% APY for an 18 month CD, 3.25% APY for a 2 year CD, 3.67% APY for a 3 year CD, 3.71% APY for a 4 year CD and 3.45% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with White Sands Federal Credit Union for its full lineup.

What is the highest savings rate at White Sands Federal Credit Union?

The highest White Sands Federal Credit Union savings rate is its Youth Savings Club at 0.15% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at White Sands Federal Credit Union?

The highest White Sands Federal Credit Union money market rate is its Money Market at 1.76% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest auto loan rate at White Sands Federal Credit Union?

The lowest White Sands Federal Credit Union auto loan rate is its Used Auto Loan at 5.19% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at White Sands Federal Credit Union?

The lowest White Sands Federal Credit Union personal loan rate is its Personal Loan - Signature at 9.79% APR, verified by MonitorBankRates as of October 28, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do White Sands Federal Credit Union rates compare?

White Sands Federal Credit Union's CD rates are 24% higher than the MonitorBankRates national average, and it has an A+ health rating. White Sands Federal Credit Union's top rates are its Jumbo Share and IRA CD - 5 Year - Loyalty at 3.76% APY, its Youth Savings Club at 0.15% APY, its Money Market at 1.76% APY and its Personal Loan - Signature at 9.79% APR, verified by MonitorBankRates on October 28, 2026.

Current White Sands Federal Credit Union Rates

12-Month CD3.14%
18-Month CD3.20%
24-Month CD3.25%
60-Month CD3.45%
Savings0.15%
MMA1.76%

Retrieved from our database of financial products. Rates subject to change.

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White Sands Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

White Sands Federal Credit Union Texas Ratio

White Sands Federal Credit Union Health Trend

White Sands Federal Credit Union CD Rates

White Sands Federal Credit Union Savings Rates

White Sands Federal Credit Union Money Market Rates

White Sands Federal Credit Union Auto Loan Rates

White Sands Federal Credit Union RV, Boat and Powersport Loan Rates

White Sands Federal Credit Union Personal Loan Rates

White Sands Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

White Sands Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About White Sands Federal Credit Union

Does White Sands Federal Credit Union offer CDs?

Are CDs from White Sands Federal Credit Union NCUA insured?

What is the highest CD rate at White Sands Federal Credit Union?

What CD terms does White Sands Federal Credit Union offer?

What is the highest savings rate at White Sands Federal Credit Union?

What is the highest money market rate at White Sands Federal Credit Union?

What is the lowest auto loan rate at White Sands Federal Credit Union?

What is the lowest personal loan rate at White Sands Federal Credit Union?

How many branches does White Sands Federal Credit Union operate?

Is a member application needed to join White Sands Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does White Sands Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do White Sands Federal Credit Union rates compare?

Current White Sands Federal Credit Union Rates

Compare to Other Credit Unions