White Sands Credit Union Las Cruces NM | Affordable Auto Loans & Business Banking

Introduction

At White Sands, our commitment to you goes beyond just banking; we aim to be a trusted partner in your financial journey. Located at 2190 E Lohman Ave, Las Cruces, NM 88001, our branch has been serving the community since 1952. With a strong membership base of over 30,788 individuals and assets totaling an impressive $395,097,233, we pride ourselves on creating a welcoming environment where members feel valued and supported. Whether you're looking for personal banking solutions like checking and savings accounts or exploring options for auto loans and mortgages, we've got you covered. We also offer business banking services, making it easy for local entrepreneurs to thrive. Our dedicated team, led by CEO Phillip Fifield and Board President Patricia Wagner, is here to assist you with all your financial needs. While members can visit us at our branch address, official correspondence should be sent to our mailing address: PO Box 99, Las Cruces, NM 88004. We understand the importance of accessibility; that's why we offer both lobby and drive-thru services to suit your preferences. With total deposits exceeding $39,773,499 and cash in hand amounting to $5,149,208, we maintain a robust financial position to serve you better. Additionally, we have provided over 8,585 loans to help our members achieve their goals. Our commitment is reflected not only in numbers but also in the relationships we build within our community. We invite you to experience the White Sands difference today! Feel free to call us at 575-647-4500 or visit our website at wsfcu.org for more information. Let's work together towards achieving your financial dreams!

Branch History & Mission

Community Engagement

Community is at the core of everything we do. We engage with local organizations and schools, helping to fund programs that benefit youth education and wellness initiatives. By partnering with various groups within Las Cruces, we aim to create lasting positive impacts throughout Dona Ana County.

Join Us

As we look forward to the future, we invite you to join our growing family at White Sands. Experience firsthand how being part of our credit union can benefit you financially and socially. With convenient operating hours from Monday through Friday and Saturday mornings, along with ATM availability and drive-thru banking options, we're here when you need us. Explore more about what White Sands can offer by visiting our website or give us a call at 575-647-4500. Together, let's build a brighter financial future!

Our Mission

At White Sands, our mission goes beyond just banking; it's about building relationships and enhancing lives. We strive to provide accessible financial services that promote economic growth and stability for all members. Our goal is to foster an inclusive environment where everyone can achieve their financial aspirations. We understand that navigating finances can be challenging. That's why we're here to offer support through personalized service and innovative solutions. Whether you're looking for a checking account or financing options for your next vehicle, you can count on us to be with you every step of the way. While members can visit us at 2190 E Lohman Ave, official correspondence should be sent to PO Box 99, Las Cruces, NM 88004 if different from the branch address.

Our Story

Since opening our doors, White Sands has been on a journey of growth and commitment. Initially founded to support local families with their banking needs, we have expanded our offerings to include personal banking, auto loans, mortgage solutions, and business banking services. Over the decades, we have adapted to changes in technology while maintaining our core mission: to empower our members financially. As we reflect on our history, we celebrate key milestones that have shaped who we are today. From humble beginnings to becoming a significant player in the region's financial landscape, each step has reinforced our dedication to community service. We take pride in being an institution that not only provides financial assistance but also actively participates in local events and initiatives that uplift our community.

Branch Location & Accessibility

Come Visit Us!

If you have any questions or would like more information about our services, don't hesitate to give us a call at 575-647-4500. We invite you to stop by our White Sands branch soon! Our team looks forward to helping you achieve your financial goals in a warm and welcoming atmosphere.

Convenient Access and Amenities

Our branch offers ample parking and features designed with accessibility in mind, including ADA-compliant ramps and entrances. If you're looking for a quick banking experience, you'll appreciate our drive-thru service, available for those on the go. We are proud to provide ATM services as well, so you can manage your cash needs anytime. Inside the branch, our friendly staff is ready to assist you with a wide range of services tailored to your financial needs whether it's opening a checking account, applying for an auto loan, or exploring mortgage options.

Operating Hours

We understand that convenience is key when it comes to banking. Our lobby hours are designed to fit your schedule: Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 12:30 PM. For drive-thru banking, we're open Monday through Thursday from 8 AM to 5:30 PM and Friday until 6 PM. With these flexible hours, we hope to make your banking experience as effortless as possible.

Member Eligibility

Joining the White Sands community is not just about opening an account; it's about becoming part of a supportive family that prioritizes your financial well-being. To become a member, you need to meet a few friendly criteria. Typically, anyone who lives, works, or worships in the area can join us. We welcome individuals from all walks of life and believe everyone deserves access to quality financial services. If you're curious about the exact eligibility details, feel free to explore more. Getting started with your membership is simple! Just visit us at our branch located at 2190 E Lohman Ave Las Cruces Nm 88001, or give us a call at (575) 647-4500 if you have questions. You can also easily open your account online by following this link: https://apply.wsfcu.org/apply.aspx?lenderref=wsfcu042924&list=plvlst. We're excited to help you take this important step towards better banking!

Business Banking & Commercial Services

Merchant Services

Imagine having a reliable partner who helps streamline your payment processes while enhancing customer satisfaction. Our merchant services do just that. From credit card processing to mobile payments, we provide tools that make transactions easier for you and your customers. This means more time focusing on what you do best running your business. Located at 2190 E Lohman Ave Las Cruces Nm 88001 in Las Cruces, NM, we invite you to explore how our business banking services can empower your success. Call us today at (575) 647-4500 or visit our website at https://www.wsfcu.org/ to learn more!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Dreaming of a new car? Our auto loans and vehicle financing solutions make it easier than ever. We work with you to find competitive rates that fit your budget. Picture driving off in your new vehicle with an affordable loan from us.

Business Banking

If you're a business owner, our business banking services, including merchant services and business loans, are designed to help your enterprise thrive. We're committed to supporting local businesses by providing tailored financial solutions.

Convenient Access

To enhance your banking experience, we also provide online and mobile banking, allowing you to manage your accounts anytime, anywhere. With features like ATM access for withdrawals and balance checks, plus basic drive-thru banking for deposits and withdrawals, we prioritize convenience in everything we do. We invite you to visit us at White Sands located at 2190 E Lohman Ave Las Cruces Nm 88001 or call us at (575) 647-4500 for more information about how we can help meet your financial goals. Your journey toward financial well-being starts here!

Credit Cards with Rewards

For those who love earning rewards on their purchases, we offer credit cards with rewards programs that give back while you spend. This way, you can enjoy perks just for using your card on everyday purchases.

Mortgage Loans & Refinancing

Homeownership is within reach at White Sands. Our mortgage loans and refinancing options help you navigate the home buying process with confidence. Whether you're purchasing your first home or looking to refinance for better terms, our experienced staff will guide you every step of the way.

Personal Banking

We understand that managing finances can be challenging, which is why we offer personal banking options like checking and savings accounts designed for everyday use. Our accounts provide easy access to your money, whether you prefer visiting us in person or using our online and mobile banking services. Imagine easily checking your balance or transferring funds right from your smartphone!

Personal Loans & Debt Consolidation

Life can bring unexpected expenses, and sometimes you need a little extra help. Our personal loans and debt consolidation options can provide the financial support you need during those times. We aim to simplify the borrowing process so you can focus on what truly matters.

Digital & Online Banking

Key Features for Your Convenience

Our online banking services are available 24/7, allowing you to check balances, pay bills, and transfer money with just a few clicks. Whether you're at home or on the go, our mobile application makes it easy to manage your finances right from your smartphone. Plus, if you need to send money to friends or family quickly, our person-to-person transfer feature has got you covered. For those who prefer going paperless, we offer e-statements that allow you to receive your account statements electronically. This not only helps the environment but also makes it easier for you to keep track of your finances. And while we currently do not support electronic signature authorization, rest assured that all other features are secure and user-friendly.

Stay Secure and In Control

Your security is our top priority. We utilize advanced technology to protect your personal information and ensure that all transactions are safe. With features like mobile payments available at White Sands, you can shop confidently knowing that your financial data is secure. In a world where convenience matters more than ever, White Sands strives to make banking easier for you. Explore our digital offerings today by visiting https://www.wsfcu.org/, and experience the freedom of real-time account management at your fingertips!

Financial Strength

At White Sands, 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 are proud to share our financial strength, which showcases our commitment to providing reliable services and support to our community. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 11.83% 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 $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. We also have $43,120,606 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. 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. Our impressive $1,004,616 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 81 full-time employees and 9 part-time employees who are dedicated to serving you with knowledge and commitment. Net Shares (Funds available for lending and investments): $687,965. Total Share and Deposit Accounts: 39,746, 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, White Sands is your trusted partner. Visit us at 2190 E Lohman Ave Las Cruces Nm 88001 or call (575) 647-4500 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Options

If you're considering refinancing any of your existing loans, please inquire about our eligibility options. We are here to help ensure that you find the best solution for your unique situation. At White Sands, we're committed to providing you with comprehensive loan services that fit your lifestyle and financial needs. If you have any questions or would like more information about our loan products, feel free to call us at (575) 647-4500 or visit us at our branch. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're excited to partner with you on your financial journey!

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 rates for both new and used vehicles, making it easier for you to make that purchase without breaking the bank.

Credit Lines and Unsecured Loans

For those who need a little extra flexibility, we offer credit lines totaling $14,000,000. This can be a great option for managing expenses or consolidating debt. Additionally, we also provide unsecured credit card loans which give you access to funds when you need them most, helping you manage your finances effectively.

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. Whether you're purchasing your first home or looking to refinance an existing mortgage, our team is here to guide you through every step of the process.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov), ensuring fair and transparent offers. This commitment to sourcing verified data ensures that users can trust the information they receive when comparing loan options.

WHITE SANDS FEDERAL CREDIT UNION - Las Cruces, NM

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