Navy Federal Credit Union

In the close-knit community of White Sands, NM, Navy Federal Credit Union at 143 Rock Island Ave is proud to serve military members, veterans, and their families with trusted financial solutions designed just for you. Open Monday through Friday from 9:00 a.m. to 4:30 p.m., this branch offers convenient lobby access and an on-site ATM for quick cash withdrawals and balance checks—making everyday banking simple and accessible.
Known for providing some of the best auto loans in White Sands, Navy Federal makes vehicle financing easy with competitive rates and flexible terms tailored to your budget. Homebuyers also benefit from low mortgage rates and refinancing options crafted to help you turn your homeownership dreams into reality. Beyond lending, enjoy comprehensive personal banking services including checking and savings accounts built for convenience, credit cards loaded with rewarding perks, plus business banking solutions like merchant services and business loans.
Visit Navy Federal Credit Union at 143 Rock Island Ave or call 888-842-6328 today to experience friendly local service. Discover how our standout auto loans and mortgage offerings can help you confidently accelerate your financial journey right here in White Sands!

Type of Loan Offerings

home_equity_loans

Home Equity Loans

Program Name
Loan Type
APR
Term
Max Amount
CLTV
Link
home equity
Fixed-Rate Equity Loan
7.34 %
5 Yrs - 20 Yrs
$500,000
100 %
heloc
Home Equity Line of Credit
7.75 % - 18 %
20 Yrs
$500,000
95 %
mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
FIXED
15 Year
5.375 %
5.569 %
0.25
15.0 Yrs
CONVENTIONAL
ADJUSTABLE
3/5 Conforming ARM
5.375 %
5.97 %
0.25
5.0 Yrs
CONVENTIONAL
ADJUSTABLE
5/5 Conforming ARM
5.625 %
5.98 %
0.25
5.0 Yrs
CONVENTIONAL
FIXED
30 Year
6.25 %
6.394 %
0.5
30.0 Yrs
JUMBO
ADJUSTABLE
3/5 Jumbo ARM
5.375 %
5.97 %
0.25
5.0 Yrs
JUMBO
FIXED
15 Year Jumbo
5.625 %
5.82 %
0.25
15.0 Yrs
JUMBO
ADJUSTABLE
5/5 Jumbo ARM
5.625 %
5.98 %
0.25
5.0 Yrs
JUMBO
FIXED
30 Year Jumbo
6.5 - 7.625 %
6.646 - 7.968 %
0.5
30.0 Yrs
VA
FIXED
15 Year
5.25 %
5.941 %
0.5
15.0 Yrs
VA
FIXED
30 Year
5.875 - 7.25 %
6.327 - 7.586 %
0.75
30.0 Yrs
CONVENTIONAL
FIXED
15 Year
5.375 %
5.569 %
0.25
15.0 Yrs
CONVENTIONAL
ADJUSTABLE
3/5 Conforming ARM
5.375 - 5.5 %
5.97 - 6.0 %
0.25
5.0 Yrs
CONVENTIONAL
ADJUSTABLE
5/5 Conforming ARM
5.625 - 5.75 %
5.98 - 6.028 %
0.25
5.0 Yrs
CONVENTIONAL
FIXED
30 Year
6.25 %
6.394 %
0.5
30.0 Yrs
JUMBO
ADJUSTABLE
3/5 Jumbo ARM
5.375 - 5.5 %
5.97 - 6.0 %
0.25
5.0 Yrs
JUMBO
FIXED
15 Year Jumbo
5.625 %
5.82 %
0.25
15.0 Yrs
JUMBO
ADJUSTABLE
5/5 Jumbo ARM
5.625 - 5.75 %
5.98 - 6.028 %
0.25
5.0 Yrs
JUMBO
FIXED
30 Year Jumbo
6.5 - 7.625 %
6.646 - 7.968 %
0.5
30.0 Yrs
VA
FIXED
15 Year
5.25 %
5.941 %
0.5
15.0 Yrs
VA
FIXED
30 Year
5.875 - 7.25 %
6.327 - 7.586 %
0.75
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Personal expense loan
8.99 - 18 %
3.1 - 5 Yrs
$50,000
Home improvement loan
8.99 - 18 %
3.1 - 15 Yrs
Debt consolidation loan
8.99 - 18 %
3.1 - 5 Yrs
$50,000
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
4.09 % - 7.59 %
3 Yrs - 8 Yrs

Introduction

Welcome to Navy Federal Credit Union, your trusted partner in financial services since 1947. Located at 143 Rock Island Ave, White Sands, NM 88002, our branch is dedicated to serving our community and helping you achieve your financial goals. With a robust membership of over 14 million individuals, we pride ourselves on being a reliable resource for personal and business banking. At Navy Federal, we understand that every member's needs are unique. That's why we offer a wide range of products from checking and savings accounts to auto loans and credit cards with rewards. Our total assets exceed an impressive $180.81 billion, ensuring that we have the resources to support you when it matters most. With $2.32 billion in deposits and a net worth of $21.49 billion, your money is not only safe but also working hard for you. Our commitment to community impact is at the heart of what we do. We are honored to provide services tailored to our members' needs while fostering growth in our local economy through responsible lending practices, including more than 8 million loans issued. Under the leadership of our CEO, Dietrich Kuhlmann, and Board President, Edward Cochrane Jr., we strive to create a welcoming environment where financial education and empowerment are prioritized. While members can visit us at our branch location, official correspondence should be sent to the same address for convenience: 143 Rock Island Ave, White Sands, NM 88002. Whether you're looking for guidance on a new loan or simply want to learn more about our offerings, we're here for you. Feel free to reach out at 888-842-6328 or explore more about us at Navy Federal Credit Union. Join us today and discover how we can help you navigate your financial journey with confidence!

Branch History & Mission

Commitment to Innovation

In today's fast-paced world, we recognize the importance of adapting to new technologies. That's why we have embraced digital advancements such as online banking and mobile payment options. These innovations ensure that you can manage your finances conveniently from anywhere. Moreover, accessibility is important to us. Our branch is ADA compliant and offers various services including ATM availability for quick transactions. While we don't have drive-thru banking at this location, our lobby hours provide ample opportunity for you to receive personalized service from our friendly staff during the week.

Join Us

As we continue on this journey together, we invite you to become part of the Navy Federal family. Experience firsthand how we can support your financial aspirations while making meaningful contributions to our community. Whether you're looking for a reliable partner for your banking needs or want to get involved in local initiatives, Navy Federal Credit Union stands ready to assist you every step of the way. Feel free to reach out at 888-842-6328 or visit us online at Navy Federal for more information about membership eligibility or to open an account today! Join us as we work together toward a brighter financial future for all!

Our Mission

At Navy Federal, our mission is simple yet profound: to serve those who serve. We are dedicated to providing exceptional financial services that meet the unique needs of our members, including personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. But beyond just banking, we strive to make a positive impact through community outreach programs and partnerships that support local initiatives. We understand that financial literacy is key to empowering individuals and families. That's why we offer various resources designed to help members make informed financial decisions. Whether it's through workshops or online tools, we aim to equip you with the knowledge needed to achieve your goals. While members can visit us at 143 Rock Island Ave for their banking needs, official correspondence should be sent to our mailing address at 143 Rock Island Ave, White Sands, NM 88002 if different from the branch address.

Branch Location & Accessibility

Welcome to the Navy Federal Credit Union, your friendly financial partner located at 143 Rock Island Ave in White Sands, NM. Our branch is conveniently situated near local landmarks, making it easy for you to stop by and take care of your banking needs. Whether you're visiting us from nearby neighborhoods or just passing through, our location is designed with accessibility in mind, ensuring everyone can reach us comfortably. At our White Sands branch, we pride ourselves on providing a welcoming environment. We offer convenient parking options right outside the door, so you can hop in and out without any hassle. Plus, we comply with ADA standards, ensuring that our facilities are accessible for all members. Our lobby hours are perfect for those who need flexibility during the week. We're open Monday through Friday from 9:00 AM to 4:30 PM. This schedule allows you to visit us at a time that works best for you! If you have questions or need assistance while banking with us, don't hesitate to call our friendly staff at 888-842-6328. In addition to our inviting atmosphere and helpful team, we provide a range of services tailored to meet your financial needs. From personal checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. And if you prefer banking on the go, you'll be pleased to know that we have ATM availability right here at the branch for quick cash withdrawals and balance checks. While members can visit us at 143 Rock Island Ave for all their banking needs, please note that official correspondence should be sent to the same address as there is no separate mailing address. We invite you to come by and experience firsthand what sets Navy Federal Credit Union apart. Your financial journey is important to us, and we look forward to assisting you!

Member Eligibility

Becoming a member of Navy Federal Credit Union is like joining a close-knit family where your financial well-being is our top priority. If you live, work, worship, or attend school in the area around 143 Rock Island Ave White Sands Nm 88002, you're already on the right track! We welcome individuals who are connected to the military community as well, which means there's a good chance you qualify. The process is simple and friendly; just visit us or check out our eligibility details at https://www.navyfederal.org/membership/eligibility.html for more information. Joining Navy Federal Credit Union not only gives you access to a variety of financial services tailored to meet your needs but also opens the door to exclusive benefits and support from our dedicated team. When you're ready to start, you can easily open an account by visiting https://mymembership.navyfederal.org/#/milestones or giving us a call at (888) 842-6328. We're excited to have you with us on this journey!

Business Banking & Commercial Services

Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1,105 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $156 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $227,844,936, we continue to drive economic growth by financing new and expanding businesses.

Practical Merchant Services

In addition to loans, we offer merchant services that make daily transactions smoother. Whether it's accepting credit cards or managing payments online, our tools ensure you can focus on what you do best running your business. With user-friendly options and dedicated support, we help simplify your financial processes so you can thrive. Visit us at 143 Rock Island Ave White Sands Nm 88002 in White Sands, NM or call us at (888) 842-6328 to learn more about how we can partner with you for a prosperous future!

Comprehensive List Of Services

Business Banking Assistance

Running a business comes with its own set of challenges, which is why we also offer business banking solutions, including merchant services and business loans. We aim to support local entrepreneurs in achieving their goals by providing tailored financial products designed specifically for business needs.

Convenient Access Anytime

In addition to these core services, we pride ourselves on making banking accessible through our ATM services, where members can easily withdraw cash or check balances without stepping into the branch. Our ATM network ensures you have access to your money whenever you need it. At Navy Federal Credit Union in White Sands, NM, we are committed to making your banking experience efficient and supportive. Our friendly team is ready to assist you with any questions or guidance you may need. Ready to explore how we can assist you further? Don't hesitate to reach out! Call us today at 888-842-6328 or visit us at Navy Federal Credit Union. Let's take the next step toward achieving your financial goals together!

Financing Your Dreams

If you're looking to purchase a new car or refinance an existing vehicle, our auto loans and vehicle financing can help turn those dreams into reality. With competitive rates and flexible terms, we aim to make the process as straightforward as possible. For those considering homeownership or wanting to refinance their current mortgage, our mortgage loans and refinancing options are tailored to fit various needs ensuring you get the best deal available.

Personal Banking Made Easy

Whether you're opening your first checking account or seeking ways to save for future goals, our personal banking options are crafted with you in mind. We offer checking and savings accounts that cater to different lifestyles and financial plans. Imagine having easy access to your funds anytime through our online and mobile banking features, allowing you to manage your accounts on-the-go.

Rewarding Credit Solutions

For those who prefer using credit for purchases, our credit cards with rewards offer benefits that can enhance your spending power while earning you points or cash back. Whether you're buying groceries or planning a vacation, these cards provide flexibility along with perks.

Support for Your Financial Journey

We also provide personal loans and debt consolidation services. Life can throw unexpected expenses your way, but with our personal loans, you can cover those costs without added stress. If managing debt feels overwhelming, consider our debt consolidation options that simplify payments into one manageable monthly amount.

Digital & Online Banking

Key Features

For those who prefer using their smartphones, our mobile application provides a user-friendly interface for all your banking needs. You can easily make person-to-person transfers, allowing you to send money to friends or family in just a few taps. And if you're someone who enjoys keeping track of your finances digitally, e-statements are available for quick access without the clutter of paper. Security is a top concern for us. That's why we offer electronic signature authorization for added peace of mind when signing documents online. You can trust that your information is protected while enjoying the ease of managing your accounts digitally. If you're looking to make payments on the go, our mobile payments feature lets you pay securely with just your phone. No more fumbling for cash or cards your bank is right in your pocket. At Navy Federal Credit Union, we're dedicated to providing accessible and easy-to-use digital banking solutions that put you in control of your finances. Whether you're checking balances or making payments, we've got you covered every step of the way!

Financial Strength

At Navy Federal Credit Union, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand how important it is for you to feel confident in the institution that manages your finances. That's why we are proud to share insights about our strong financial health, which reflects our commitment to serving you better. With a net worth of $21,492,783,754, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.81% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $49,466,729,254 in share certificates and $24,197,620,142 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. In addition to these impressive figures, we have $399,808,576 in undivided earnings. This allows us to reinvest in innovative banking tools and stronger lending options to serve our members better. With $1.3192 trillion in total loans and leases, including $1,023,510 in used auto loans, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 23,925 full-time employees and 635 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $1,127,735,547. Total Share Accounts: 30,809,321, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Navy Federal Credit Union is your trusted partner. Visit us at 143 Rock Island Ave White Sands NM 88002 or call 888-842-6328 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $17,423,226,266 in used vehicle loans and $14,784,600,315 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new or used vehicle, we have options to suit your needs.

Business Loans

For business owners, our outstanding commercial loans totaling $227,844,936 provide the capital needed to grow and expand. Whether you need funds for equipment or working capital, we're here to support your business ambitions. If you're considering refinancing any of these loans or want to check your eligibility for our various loan products, please don't hesitate to reach out. You can contact us at (888) 842-6328 for more information or visit us at our branch located at 143 Rock Island Ave White Sands Nm 88002, White Sands, NM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Navy Federal Credit Union, we're committed to helping you navigate your financial journey with confidence and ease.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $6,343,248,096, make buying or refinancing simple. We are here to guide you through the process with competitive rates and excellent service.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $30,452,498,817 in loans helping members manage their finances effectively. These credit cards provide convenience and can be an excellent tool for budgeting.

Loan Aggregator

No Sponsored Listings

LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you can trust that the options presented are based solely on their merits rather than marketing dollars spent.

Real-Time Rate Comparisons

Users benefit from up-to-date loan rates from multiple institutions, allowing for quick and easy comparisons. This feature empowers borrowers to find the best deal for their specific needs without sifting through endless paperwork. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how LendMesh has made a significant impact on its users' financial journeys. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Verified Data

Loan offers are sourced from legitimate financial institutions, ensuring transparency. By relying on verified data, LendMesh helps users avoid misleading or outdated information that could lead to poor financial decisions.

Join Our Community

Unlock the power of community with LendMesh! Subscribe for personalized alerts—just tell us your target rate (like 5% or 4%), and we'll notify you the moment offers drop below your threshold. Get weekly or monthly updates with expert insights, rate trends, and hand-picked loan deals—delivered straight to your inbox. Join thousands of smart borrowers who rely on LendMesh to stay ahead of the curve and never miss a great opportunity.