☰

Home›
Credit Unions›
White Sands Federal Credit Union

iAdvertiser Disclosure

White Sands Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, White Sands Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 10, 2026

White Sands Federal Credit Union's Personal Loan Rates are at 8.79%. MonitorBankRates evaluates the financial stability of White Sands Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.33%. Rates last updated and verified on 09/10/2026.

White Sands Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at White Sands Federal Credit Union? Share your experience about White Sands Federal Credit Union by leaving a review below, or read customer reviews before you decide to use White Sands Federal Credit Union.

Ranked #53 Healthiest Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.33%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

White Sands Federal Credit Union
North Main Branch

2755 N Main St
Las Cruces, NM 88001-1149

https://www.wsfcu.org

White Sands Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Used Auto Loan	-	-	4.99%	Up to 72 months
Details Loyalty Plus & Digital Services Discount; As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
New Auto Loan	-	-	5.19%	Up to 72 months
Details Loyalty Plus & Digital Services Discount: 4.59% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
New Auto Loan	-	-	5.59%	Up to 78 months
Details Loyalty Plus & Digital Services Discount: 4.99% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Used Auto Loan	-	-	5.59%	Up to 72 months
Details Loyalty Plus & Digital Services Discount; As Low As Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
New Auto Loan	-	-	5.99%	Up to 84 months
Details Loyalty Plus & Digital Services Discount: 5.39% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%

White Sands Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan	8.79%	Up to 60 months
Details Loyalty Plus & Digital Services Discount Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%
Signature Loan	9.39%	Up to 60 months
Details Loyalty Plus & Digital Services Discount: 8.79% Last Updated 09/09/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.33%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

White Sands Federal Credit Union’s Texas Ratio stayed near 0.14% in Q2 2023 to 0.33% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy threshold

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$415M	0.33%	5.0	A+
December 31, 2025	$404M	0.20%	5.0	A+
September 30, 2025	$403M	0.21%	5.0	A+
June 30, 2025	$400M	0.32%	5.0	A+
March 31, 2025	$403M	0.17%	5.0	A+
December 31, 2024	$392M	0.06%	5.0	A+
September 30, 2024	$395M	0.07%	5.0	A+
June 30, 2024	$399M	0.08%	5.0	A+
March 31, 2024	$399M	0.21%	5.0	A+
December 31, 2023	$397M	0.34%	5.0	A+
September 30, 2023	$407M	0.14%	5.0	A+
June 30, 2023	$411M	0.14%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for White Sands Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather White Sands Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with White Sands Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name White Sands Federal Credit Union

Website https://www.wsfcu.org

Address 2755 N Main St, Las Cruces, NM 88001-1149

Phone 575-647-4500

Fax 575-647-4680

President Patricia Wagner

CEO Phillip Fifield

Full-Time Employees 86

Part-Time Employees 6

Branch Locations 4

ATM Locations 4

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.33%

Return on Assets (ROA)

0.2423%

Return on Equity (ROE)

1.8805%

Non-Performing Loans Ratio (NPL)

0.09%

Total Assets

414,582,060

Total Amount of Shares and Deposits

359,056,638

Total Shares and Deposits < 1 Year

341,395,664

Total Shares and Deposits 1 3 Years

16,361,773

Total Shares and Deposits > 3 Years

1,299,201

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

13,299,933

Total Uninsured Shares and Deposits > $250K (F+J)

13,299,933

Total Insured Shares and Deposits > $250K (item 17 less item K)

345,756,705

Total Interest Expense (Sum of items 6 8)

661,424

Share Certificates

1,353

Number of Accounts for Share Drafts

12,823

IRA KEOGH Accounts

653

Number of Accounts for Regular Shares

21,742

All other shares

310

Money Market Shares

991

Net Income (unless the amount is already included in Undivided Earnings)

1,004,618

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

30,605,931

Total Liabilities

361,145,851

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

White Sands Federal Credit Union earned the Top 100 Healthiest badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/white-sands-federal-credit-union-rates-review-7960">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026.svg"
       alt="Ranked #53 in MonitorBankRates Top 100 Healthiest Small Credit Unions 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Credit Unions 2026 ranking.

Customer Reviews

There are no reviews for White Sands Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for White Sands Federal Credit Union

Frequently Asked Questions About White Sands Federal Credit Union

How many branches does White Sands Federal Credit Union operate?

White Sands Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join White Sands Federal Credit Union?

Yes, to access services at White Sands Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, White Sands Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, White Sands Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does White Sands Federal Credit Union offer online and mobile banking?

Most modern institutions like White Sands Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.wsfcu.org.