Credit union · NCUA insured
White Sands Federal Credit Union Auto Loan Rates
White Sands Federal Credit Union auto loans start at 4.79% APR for a new vehicle and 5.19% for a used one. Rates checked October 22, 2026.
How White Sands Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Las Cruces, NM, where White Sands Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
White Sands Federal Credit Union
4.79%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
New Auto Loan
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
FirstLight Federal Credit Union
4.75%APR
- Terms
- 48–84 months
- Up to
- 17.99% APR
- Discount
- Included in the rate
White Sands Federal Credit Union auto loan score
81
Auto loan score
Higher than 54% of U.S. banks and credit unions
- New vehicleNew4.79%
- Used vehicleUsed5.19%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where White Sands Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Auto Loan
Rates and terms determined by credit score, amount financed, and other factors. Advertised rates may not be combined with any other discounts.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.39% | Standard rate without discount |
| up to 72 months | 4.79% | Includes Loyalty Plus & Digital Services / Online Application Discount |
| up to 78 months | 5.79% | Standard rate without discount |
| up to 78 months | 5.19% | Includes Loyalty Plus & Digital Services / Online Application Discount |
| up to 84 months | 6.19% | Standard rate without discount |
| up to 84 months | 5.59% | Includes Loyalty Plus & Digital Services / Online Application Discount |
Used Auto Loan
Rates and terms determined by credit score, amount financed, and other factors. Advertised rates may not be combined with any other discounts. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.79% | Standard rate without discount |
| up to 72 months | 5.19% | Includes Loyalty Plus & Digital Services / Online Application Discount |
Who can join White Sands Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in Dona Ana County, Sierra County, El Paso County, or Hudspeth County are eligible for membership.
Family and household
- Family members of any current member living within the field of membership community are eligible for membership.
Other ways
- Anyone over the age of 55 living within the field of membership community is eligible for membership.
Cost to join
- An initial deposit is required to fund the account, with the required amount varying.
- A one-time membership fee of $10 is charged to join, which is waived on Youth and Teen Accounts.
Membership information collected October 4, 2026.