White Sands Federal Credit Union

Headquarters

Po Box 99
Las Cruces, NM 88004
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.85% →
1-Year CD 1.00% 0.67% →
2-Year CD 1.16% 0.80% →
5-Year CD 1.56% 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 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 $380.12 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 $380.12 million
Loans $185.37 million
Deposits $343.64 million
Capital $34.34 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 - November 26, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.35% $100,000 $199,999 Learn More
12 Mo CD
0.90% $10,000 $14,999 Learn More
12 Mo CD
1.00% $100,000 $199,999 Learn More
18 Mo CD
1.00% $10,000 $14,999 Learn More
18 Mo CD
1.11% $100,000 $199,999 Learn More
24 Mo CD
1.06% $10,000 $14,999 Learn More
24 Mo CD
1.16% $100,000 $199,999 Learn More
36 Mo CD
1.16% $10,000 $14,999 Learn More
36 Mo CD
1.26% $100,000 $199,999 Learn More
48 Mo CD
1.21% $10,000 $14,999 Learn More
48 Mo CD
1.31% $100,000 $199,999 Learn More
60 Mo CD
1.46% $10,000 $14,999 Learn More
60 Mo CD
1.56% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - November 26, 2021

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Flagstar Bank, FSB
NMLS ID: 417490
3.309% 3.250% 0.75 $1,865 $1,089 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Flagstar Bank-Heloc
Flagstar Bank-Heloc
See Table
4.990 %
$0 Learn More
More Info

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


 

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:
Ashburn,Virginia


White Sands Locations



Climate 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.

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
0.56% 3.79

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 June 30, 2021, White Sands had $172,427 in non-current loans and $26,280 in owned assets. To cover these potential losses it had $34,335,299 in net worth and $1,065,299 in loans loss reserves. That gives it a Texas Ratio of 0.56%.

Net Worth
White Sands U.S. Average
9.38% 12.22%

White Sands FCU has a net worth of 9.38% versus the BestCashCow average of 12.22. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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