Las Cruces, NM 88004
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.60% →
1-Year CD 1.16% 1.55% →
2-Year CD 1.31% 1.45% →
5-Year CD 1.71% 1.66% →
30-Year Mortgage N.A. 3.08% →
15-Year Mortgage N.A. 2.65% →
HELOC N.A. 2.77% →

2020 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 $313.62 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
Charter Number # # 7960
Date Established 1952
Assets $313.62 million
Loans $208.10 million
Deposits $281.69 million
Capital $29.89 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 - May 31, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $100 - Learn More
Money Market
0.10% $2,500 $24,999 Learn More
Money Market
0.20% $25,000 $49,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.35% $1,000 $24,999 Learn More
6 Mo CD
0.45% $25,000 - Learn More
12 Mo CD
1.06% $1,000 $24,999 Learn More
12 Mo CD
1.16% $25,000 - Learn More
18 Mo CD
1.16% $1,000 $24,999 Learn More
18 Mo CD
1.26% $25,000 - Learn More
24 Mo CD
1.21% $1,000 $24,999 Learn More
24 Mo CD
1.31% $25,000 - Learn More
36 Mo CD
1.31% $1,000 $24,999 Learn More
36 Mo CD
1.41% $25,000 - Learn More
48 Mo CD
1.36% $1,000 $24,999 Learn More
48 Mo CD
1.46% $25,000 - Learn More
60 Mo CD
1.61% $1,000 $24,999 Learn More
60 Mo CD
1.71% $25,000 - Learn More
Variable IRA Rates APY MIN MAX
0.05% $100 - Learn MoreShow Less
Fixed IRA
1.06% $1,000 $24,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 - Learn MoreShow Less

Loan Rates - May 31, 2020

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
NMLS ID: 2890
License#: 13256
2.952% 2.875% 1.00 $2,485 $1,038 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


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.

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White Sands Locations

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
9.42% 5.92

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 September 30, 2019, White Sands had $2,145,665 in non-current loans and $768,016 in owned assets. To cover these potential losses it had $29,888,524 in net worth and $1,041,736 in loans loss reserves. That gives it a Texas Ratio of 9.42%.

Net Worth
White Sands U.S. Average
9.6% 13.86%

White Sands FCU has a net worth of 9.6% versus the BestCashCow average of 13.86. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About White Sands

Branches and Savings

What is White Sands?

A federal credit union, registered with the NCUA under certificate #7960.
Learn more about credit unions here.

Is White Sands FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join White Sands?

Please see Field of Membership information above for information on who is eligible to join.

What are White Sands's share account and share certificate rates?

White Sands's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is White Sands?

White Sands has total capital of $29.89 million. Full information on White Sands's financial position is located above.

Who owns White Sands?

Credit Unions are owned by their members.

Where are White Sands branches located?

See branch locations nearby.

Are White Sands ATMs Open 24/7?

Do White Sands ATMs accept cash deposits?

Can White Sands customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does White Sands have a mobile app?

Does White Sands have mobile deposit?

Does White Sands have quick pay?

How can White Sands transfer money to other banks or credit unions?

Does White Sands report to credit bureaus?

Does White Sands use Chexsystems?

Does White Sands use Equifax?

What is White Sands's toll free phone number?

What is White Sands's ACH Routing Number?

What is White Sands's SWIFT code?

Where can I find White Sands's wire transfer form?

What is the White Sands address for deposits?

What Products Does White Sands Offer

Does White Sands offer mortgages?

Compare mortgage rates here.

Does White Sands offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does White Sands offer auto and RV loans?

Compare auto loan rates here.

Does White Sands offer student loans or personal loans?

Compare personal loan rates here.

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