Credit union · NCUA insured
White Sands Federal Credit Union CD Rates
White Sands Federal Credit Union’s best CD rate is 3.77% APY on a 5-year share certificate (CD), with extra requirements. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How White Sands Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Las Cruces, NM, where White Sands Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
White Sands Federal Credit Union
3.67%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $1,975
Share Certificate
Top rate
GECU
4.44%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $444
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Share Certificate
Up to 3.77%APY · 7 terms
Dividends are compounded and fixed for the term. Opening and minimum balance requirement is $25,000. Early withdrawal penalties apply. Rate is variable on new certificates weekly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.14% | $156 |
| 6 monthsRequires a Platinum or Silver Debit Account | 3.35% | $166 |
| 12 months | 3.25% | $325 |
| 12 monthsRequires a Platinum or Silver Debit Account | 3.45% | $345 |
| 18 months | 3.30% | $499 |
| 18 monthsRequires a Platinum or Silver Debit Account | 3.50% | $530 |
| 24 months | 3.35% | $681 |
| 24 monthsRequires a Platinum or Silver Debit Account | 3.56% | $725 |
| 36 months | 3.45% | $1,071 |
| 36 monthsRequires a Platinum or Silver Debit Account | 3.67% | $1,142 |
| 48 months | 3.50% | $1,475 |
| 48 monthsRequires a Platinum or Silver Debit Account | 3.72% | $1,573 |
| 60 months | 3.56% | $1,911 |
| 60 monthsRequires a Platinum or Silver Debit Account | 3.77% | $2,033 |
Share Certificate
Up to 3.67%APY · 7 terms
Dividends are compounded and fixed for the term. Opening and minimum balance requirement is $1,000. Early withdrawal penalties apply. Rate is variable on new certificates weekly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.04% | $151 |
| 6 monthsRequires a Platinum or Silver Debit Account | 3.25% | $161 |
| 12 months | 3.14% | $314 |
| 12 monthsRequires a Platinum or Silver Debit Account | 3.35% | $335 |
| 18 months | 3.20% | $484 |
| 18 monthsRequires a Platinum or Silver Debit Account | 3.40% | $514 |
| 24 months | 3.25% | $661 |
| 24 monthsRequires a Platinum or Silver Debit Account | 3.45% | $702 |
| 36 months | 3.35% | $1,039 |
| 36 monthsRequires a Platinum or Silver Debit Account | 3.56% | $1,106 |
| 48 months | 3.40% | $1,431 |
| 48 monthsRequires a Platinum or Silver Debit Account | 3.61% | $1,524 |
| 60 months | 3.45% | $1,848 |
| 60 monthsRequires a Platinum or Silver Debit Account | 3.67% | $1,975 |
Special-purpose accounts
Jumbo IRA Share Certificate
Up to 3.77%APY · 7 terms
Dividends are compounded and fixed for the term. Opening and minimum balance requirement is $25,000. Early withdrawal penalties apply. Tax rules apply to IRA withdrawals. Also available as Roth, SEP, and Educational IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.14% | $156 |
| 6 monthsRequires a Platinum or Silver Debit Account | 3.35% | $166 |
| 12 months | 3.25% | $325 |
| 12 monthsRequires a Platinum or Silver Debit Account | 3.45% | $345 |
| 18 months | 3.30% | $499 |
| 18 monthsRequires a Platinum or Silver Debit Account | 3.50% | $530 |
| 24 months | 3.35% | $681 |
| 24 monthsRequires a Platinum or Silver Debit Account | 3.56% | $725 |
| 36 months | 3.45% | $1,071 |
| 36 monthsRequires a Platinum or Silver Debit Account | 3.67% | $1,142 |
| 48 months | 3.50% | $1,475 |
| 48 monthsRequires a Platinum or Silver Debit Account | 3.72% | $1,573 |
| 60 months | 3.56% | $1,911 |
| 60 monthsRequires a Platinum or Silver Debit Account | 3.77% | $2,033 |
Sources (4)
- wsfcu.org/individual-retirement-accounts-iras
- wsfcu.org/loyalty-cd
- wsfcu.org/savings
- wsfcu.org/deposit-rates
All captured Oct 15, 2026
IRA Share Certificate
Up to 3.67%APY · 7 terms
Dividends are compounded and fixed for the term. Opening and minimum balance requirement is $1,000. Early withdrawal penalties apply. Tax rules apply to IRA withdrawals. Also available as Roth, SEP, and Educational IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.04% | $151 |
| 6 monthsRequires a Platinum or Silver Debit Account | 3.25% | $161 |
| 12 months | 3.14% | $314 |
| 12 monthsRequires a Platinum or Silver Debit Account | 3.35% | $335 |
| 18 months | 3.20% | $484 |
| 18 monthsRequires a Platinum or Silver Debit Account | 3.40% | $514 |
| 24 months | 3.25% | $661 |
| 24 monthsRequires a Platinum or Silver Debit Account | 3.45% | $702 |
| 36 months | 3.35% | $1,039 |
| 36 monthsRequires a Platinum or Silver Debit Account | 3.56% | $1,106 |
| 48 months | 3.40% | $1,431 |
| 48 monthsRequires a Platinum or Silver Debit Account | 3.61% | $1,524 |
| 60 months | 3.45% | $1,848 |
| 60 monthsRequires a Platinum or Silver Debit Account | 3.67% | $1,975 |
Sources (4)
- wsfcu.org/individual-retirement-accounts-iras
- wsfcu.org/loyalty-cd
- wsfcu.org/savings
- wsfcu.org/deposit-rates
All captured Oct 15, 2026
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.