White Sands Federal Credit Union

A short history of White Sands FCU

Since its inception in 1952 the White Sands Federal Credit Union has been serving its members in the LAS CRUCES, New Mexico area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by William Jacobs, the White Sands FCU has grown its membership to over 27,962 with assets of more than $302,114,972. They have a main office and 5 branch offices. Please see the credit unions website or contact them by phone at (575) 647-4500 or email them at info@wsfcu.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in LAS CRUCES, NM.

General Information For White Sands FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Compare White Sands Federal Credit Union To Other Local Credit Unions

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White Sands Federal Credit Union Financial Performance Charts

Financial Data

White Sands Federal Credit Union Lowest Loan Rates With State and USA Rankings

	Unsecured Credit Card	New Car Loans	Used Car Loans	1st Mortgage Loans	Other Real Estate
Rate	N/A	3.50	3.75	4.38	6.50
Mean Rate For All USA Based Credit Unions	10.56	3.72	5.00	4.48	4.95
Rank Among All USA Credit Unions	N/A	209	175	190	391
Rank Among All New Mexico Credit Unions	N/A	13	8	11	19

White Sands Federal Credit Union Highest Deposit Rates With State and USA Rankings

	Checking	Regular Savings	Money Market	Certificates of Deposits	IRA/KEOGH
Rate	0.05	0.15	0.25	0.45	0.45
Mean Rate For All USA Based Credit Unions	0.19	0.26	0.29	0.73	0.66
Rank Among All USA Credit Unions	125	119	105	274	234
Rank Among All New Mexico Credit Unions	6	14	9	27	19

White Sands Federal Credit Union Loans and Leases

Interest Rate

Number of Loans

Amount

Unsecured Credit Card Loans	0.000	0	0
All Other Unsecured Loans/Lines of Credit	7.950	3,488	18,869,107
Short-Term, Small Amount Loans (STS) (Federal CU Only)	0.000	0	0
Non-Federally Guaranteed Student Loans	0.000	0	0
New Vehicle Loans	3.500	3,074	68,531,807
Used Vehicle Loans	3.750	4,456	57,907,007
Total 1st Mortgage Real Estate Loans/Lines of Credit	4.380	361	44,199,438
Total Other Real Estate Loans/Lines of Credit	6.500	173	4,015,868
Leases Receivable	0.000	0	0
Total All Other Loans/Lines of Credit	7.950	367	3,427,691
TOTAL LOANS & LEASES		11,919	196,950,918

White Sands Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding

Amt of Loans Outstanding

No. of Loans Granted Year- to-Date

Amount Granted Year-To-Date

Fixed Rate
a. > 15 years	361	44,199,438	39	6,206,191
b. 15 Years or less	0	0	0	0
Balloon/Hybrid
a. > 15 years	0	0	0	0
b. 15 Years or less	0	0	0	0
Other Fixed Rate	0	0	0	0
Adjustable Rate 1 yr or less	0	0	0	0
Adjustable Rate > 1 yr	0	0	0	0

OTHER REAL ESTATE

Closed-End Fixed Rate	142	3,256,072	19	602,839
Closed-End Adjustable Rate	0	0	0	0
Open-End Adjustable Rate	31	759,796	2	477,159
Open-End Fixed Rate	0	0	0	0
TOTALS	534	48,215,306	60	7,286,189

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans	0	0		0
Interest Only & Payment Option Other RE/LOC Loans	1	21,052		0
REVERSE MORTGAGES
a. Federally Insured Home Equity Conversion Mortgage (HECM)	0	0	0	0
b. Proprietary Reverse Mortgage Products	0	0	0	0

White Sands Federal Credit Union Member Offerings

First Time Homebuyer Program	No
Real Estate Loans	Yes
Pay Day Lending	No
Share Secured Credit Cards	No
Overdraft Protection/Courtesy Pay	No
Overdraft Lines of Credit	No
ATM/Debit Card Program	Yes
Interest Only and Payment Option 1st Mortgage Loans	No
Check Cashing	Yes
Money Orders	Yes
No Surcharge ATMs	Yes
Home Banking Via Internet Website	Yes