White Sands Federal Credit Union
Headquarters
Po Box 99
Las Cruces, NM 88004
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2024 Overview
General Credit Union Information
White Sands is an NCUA insured institution located in Las Cruces, NM. It was founded in 1952 and has approximately $396.59 millions in assets.
Who can join?
If you work or volunteer at one of the entities listed below, you and your family can become members of one of the best financial institutions in the Southwest.
Dona Ana County
City of Las Cruces
Memorial Medical Center
Mountain View Regional Medical Center
White Sands Missile Range
White Sands Test Facility
Las Cruces Public Schools
Family members of these employees
Anyone over the age of 55
Plus many others
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 7960 |
| Date Established | 1952 |
| Assets | $396.59 million |
| Loans | $207.97 million |
| Deposits | $353.00 million |
| Capital | $43.12 million |
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.
Deposit Rates - April 26, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.10% | $10,000 | $14,999 |
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|
|
Money Market
|
0.20% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
1.11% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.06% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.16% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.16% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.26% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.21% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.31% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.46% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.56% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - April 26, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for White Sands
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1429043 License#: RM.804500.000 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 447490 |
6.836% | 6.750% | 0.88 | $2,822 | $2,076 | Learn More |
NMLS ID: 401822 |
6.944% | 6.750% | 1.00 | $6,400 | $2,076 | Learn More |
NMLS ID: 2059741 |
7.004% | 6.875% | 0.63 | $4,192 | $2,103 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to White Sands
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Branches
Below are White Sands branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
WHITE SANDS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
White Sands Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of White Sands. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| White Sands | U.S. Average |
|---|---|
| 2.76% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, White Sands had $1,102,787 in non-current loans and $112,644 in owned assets. To cover these potential losses it had $43,120,605 in net worth and $877,485 in loans loss reserves. That gives it a Texas Ratio of 2.76%.
Net Worth
| White Sands | U.S. Average |
|---|---|
| 10.87% | 13.62% |
White Sands FCU has a net worth of 10.87% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for White Sands
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