White Sands Credit Union Las Cruces NM | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to White Sands, your trusted financial partner located at 2755 N Main St, Las Cruces, NM 88001. Since our establishment in 1952, we have dedicated ourselves to serving the community with integrity and care. With a strong membership base of over 30,788 individuals, we are proud to offer a range of services that cater to both personal and business banking needs. At White Sands, we understand that every member has unique financial goals. That's why we provide tailored solutions like auto loans, mortgage refinancing, and credit cards with rewards. Our commitment to helping you achieve your financial aspirations is reflected in our impressive total assets of $395,097,233 and total deposits amounting to $39,773,499. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address at PO Box 99, Las Cruces, NM 88004. Our team of 90 employees, led by CEO Phillip Fifield and Board President Patricia Wagner, is always ready to assist you. Whether you're looking for online banking convenience or traditional face-to-face service through our lobby and drive-thru hours (Monday through Friday from 9 AM to 5 PM), we're here for you. Feel free to reach out via phone at 575-647-4500 or explore more about us on our website: White Sands Federal Credit Union. Join us today and experience the difference of being part of a community-focused credit union!

Branch History & Mission

Community Commitment

We are proud of our strong ties to the community. Through partnerships and outreach initiatives, we strive to make a positive impact in the lives of those around us. Our shared commitment helps us nurture a better future for everyone in Dona Ana County. In addition to traditional banking services, we have embraced modern technology to enhance your banking experience. With features like mobile payments and online banking available anytime, we ensure that managing your finances is as easy as possible.

Join Us

As we reflect on our rich history and look toward the future, we invite you to become part of our story. Experience the benefits of membership at White Sands Credit Union today! Call us at 575-647-4500 or visit our website at wsfcu.org to learn more about how we can assist you on your financial journey. Together, let's build a brighter tomorrow!

Our Mission

At White Sands Credit Union, our mission extends beyond just offering financial products; we aim to support the well-being of our members and the community at large. We believe in putting people before profits, ensuring that every member feels valued and heard. This commitment is reflected in our personalized services, including checking and savings accounts, credit cards with rewards, business banking solutions, and robust online and mobile banking options. While members can visit us at 2755 N Main St, official correspondence should be sent to PO Box 99, Las Cruces, NM 88004.

Branch Location & Accessibility

A Personal Touch

While members can visit us at 2755 N Main St, official correspondence should be sent to our mailing address: PO Box 99, Las Cruces, NM 88004. Feel free to reach out with any questions at 575-647-4500; our friendly team is always ready to assist you. We invite you to come in and discover all the services we offer from checking and savings accounts to auto loans and personal banking solutions. Visit us today at White Sands branch; we can't wait to help you achieve your financial goals!

Convenient Access and Features

At White Sands, we understand that convenience matters. Our branch offers ample parking and features designed for easy access, including ADA-compliant ramps to ensure everyone can visit us without hassle. For those on the go, we provide a drive-thru service for quick transactions like deposits and withdrawals. And if you're looking to access cash or check your balance anytime, our ATM is available to serve you.

Operating Hours That Fit Your Schedule

We're here to serve you with flexible hours! Our lobby is open Monday through Friday from 9 AM to 5 PM, and on Saturdays from 9 AM to 12:30 PM. If you need assistance outside of these hours, our drive-thru is available Monday through Thursday from 8 AM to 5:30 PM, and on Fridays until 6 PM. We aim to accommodate your busy lifestyle!

Member Eligibility

At White Sands, we believe in creating a welcoming community where everyone can thrive. If you're looking to become a member, you'll find that eligibility is straightforward and accessible. Generally, individuals who live, work, worship, or attend school in the Las Cruces area are welcome to join us. This means that if you have any ties to our vibrant community, you're likely eligible! Being a member not only opens doors to personalized financial services but also connects you with a network of support and resources tailored to help you succeed. To dive deeper into the specific criteria for membership, feel free to check out more details at . Getting started is easy! Simply visit us at our branch located at 2755 N Main St Las Cruces Nm 88001, or give us a call at (575) 647-4500 for assistance. You can also start the account opening process online by visiting https://apply.wsfcu.org/apply.aspx?lenderref=wsfcu042924&list=plvlst . We're excited to help you on your journey towards financial empowerment and look forward to welcoming you into the White Sands family!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer comprehensive merchant services tailored for businesses at every stage. Imagine being able to accept payments seamlessly, whether online or in-store. Our merchant solutions help you manage transactions efficiently, allowing you to focus on what really matters growing your business. With tools that simplify payment processing, you can enhance customer satisfaction while keeping operations smooth and straightforward. Visit us at 2755 N Main St Las Cruces Nm 88001 in Las Cruces, NM, or give us a call at (575) 647-4500 to learn how we can assist your business today!

Comprehensive List Of Services

Business Banking Services

For small business owners, we recognize how important it is to have reliable financial support. Our business banking services, including merchant services and business loans, are designed to help you grow your venture without added stress. With us by your side, you can focus on what matters most: running your business.

Convenient Access

We pride ourselves on offering convenient access through our ATM and cash withdrawal services, allowing you to get cash whenever needed without hassle. If you're stopping by the branch for deposits or simple transactions, our drive-thru banking makes it quick and easy so you can get back to your day. Our team at White Sands is here to assist you with any questions about these services or help guide you through the application processes. You can reach us at (575) 647-4500, where we're ready to support you in achieving your financial goals.

Credit Options

In addition to personal loans for unexpected expenses or debt consolidation, we also offer credit cards with rewards. Picture earning points on every purchase points that can lead to travel rewards or cash back! These cards are perfect for everyday use while also giving you something back.

Get Started Today!

Ready to take control of your finances? Visit us at 2755 N Main St Las Cruces Nm 88001 or explore more about our offerings at our website. We look forward to welcoming you into the White Sands family!

Personal Banking Solutions

Starting with personal banking, we offer various checking and savings accounts designed to fit different lifestyles and financial goals. Whether you're saving for a vacation or managing day-to-day expenses, our accounts come with features that make banking easier. Plus, with our online and mobile banking options, you can easily check balances, pay bills, and transfer money right from your smartphone. When it comes to financing a vehicle, our auto loans provide competitive rates that help you drive off with confidence. Imagine cruising through town in that new car you've always wanted; we make it easy with straightforward loan terms that suit your budget. For those looking to buy a home or refinance an existing mortgage, our mortgage loans offer flexible options to help make homeownership a reality.

Digital & Online Banking

Accessibility and Security

With features like mobile payments, you can make purchases without needing cash or cards just use your phone! Our systems are designed with advanced security measures to keep your information safe while providing an intuitive user experience. At White Sands, we're committed to providing accessible banking solutions that empower you to manage your money effectively. Whether you're checking balances or sending money across town, our digital services are here to support you every step of the way. Visit us at https://www.wsfcu.org/ today to learn more about how our digital banking can enhance your financial journey!

Key Features

Our online banking platform allows you to check your account balance, transfer funds, and pay bills quickly and easily. Plus, with our mobile application, you can manage your accounts right from your smartphone. Whether you're out running errands or relaxing at home, everything you need is just a tap away. You can also enjoy the benefits of person-to-person transfers, making it simple to send money to friends and family whenever you need. For those who prefer going paperless, we offer e-statements that let you view your financial information securely online. This not only helps the environment but also keeps your personal information safe and organized. And while we don't currently support electronic signature authorization, rest assured that our other features prioritize your security and ease of use.

Financial Strength

A Growing Community

Total Share and Deposit Accounts: 39,746, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $687,965. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, White Sands is your trusted partner. Visit us at 2755 N Main St Las Cruces Nm 88001 or call (575) 647-4500 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $37,800,649 in share certificates and $46,498,620 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.

Operational Efficiency

Our operational efficiency is reflected in our $3,636,455, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 81 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Your Benefit

With $43,120,606 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $3,512 in used auto loans and $206,402,254 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Solid Financial Health

With a net worth of $46,757,061, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,183 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $61,265,111 in used vehicle loans and $59,884,932 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates that make financing your dream vehicle easier than ever.

Credit Lines

For those looking for additional flexibility, we provide credit lines totaling $14,000,000. This allows you to borrow only what you need when you need it, making it easier to manage unexpected expenses or larger purchases. If you're considering refinancing any existing loans, our team is here to assist you with various eligibility options tailored to your needs. At White Sands, we're committed to supporting our community with reliable financial products and exceptional service. If you have questions or want to discuss which loan option may be best for you, feel free to reach out at (575) 647-4500 or visit us at 2755 N Main St Las Cruces Nm 88001 in Las Cruces, 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.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $8,418,202, make buying or refinancing simple. We offer tailored solutions to fit your budget and lifestyle, along with guidance throughout the entire process to ensure you feel confident every step of the way.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This is a great option for those who need quick access to funds without collateral requirements.

Loan Aggregator

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WHITE SANDS FEDERAL CREDIT UNION - Las Cruces, NM