Credit union · NCUA insured
White Sands Federal Credit Union Savings Rates
White Sands Federal Credit Union’s best savings rate is 0.30% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How White Sands Federal Credit Union’s savings 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
0.30%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $30
Money Market Account
Top rate
Citizens Bank of Las Cruces
5.12%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $512
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
White Sands Federal Credit Union savings score
74
Savings score
Higher than 37% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0001.26%
- QualifiedQualified0.30%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where White Sands Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.30%APY
Available to members who live, work, or worship in Dona Ana, Sierra, El Paso, or Hudspeth County, family members of current members, or anyone over age 55 in the community. Requires a one-time $10 membership fee. With a minimum opening balance and maintained minimum daily balance. APY is based on compounded rate. The dividend rate and annual percentage yield may change monthly. There is a minimum average daily balance to avoid a service fee. Dividends calculated on average daily balance; accrued dividends not paid if closed prior to crediting. Maximum of 6 preauthorized, automatic, or telephone transfers per month by check, draft, or debit card to a third party.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upRequires a minimum balance of $2,500 to earn stated rate. | 0.30% | $30 | Requires a minimum balance of $2,500 to earn stated rate. |
| $25,000 and upRequires a minimum balance of $25,000 to earn stated rate. | 0.80% | — | Requires a minimum balance of $25,000 to earn stated rate. |
| $50,000 and upRequires a minimum balance of $50,000 to earn stated rate. | 0.90% | — | Requires a minimum balance of $50,000 to earn stated rate. |
| $100,000 and upRequires a minimum balance of $100,000 to earn stated rate. | 1.26% | — | Requires a minimum balance of $100,000 to earn stated rate. |
| $200,000 and upRequires a minimum balance of $200,000 to earn stated rate. | 1.76% | — | Requires a minimum balance of $200,000 to earn stated rate. |
Regular Share
0.15%APY
Key account for membership at White Sands Federal Credit Union; must be kept open to continue active membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend rate (APR) is 0.15%. Minimum average daily balance required to obtain APY and avoid service fee.Any balance | 0.15% | $15 | Dividend rate (APR) is 0.15%. Minimum average daily balance required to obtain APY and avoid service fee. |
Special-purpose accounts
Regular IRA
0.15%APY
Includes Traditional, Roth, Educational (Coverdell ESA), and SEP IRA options. Dividends compounded annually; if funds are withdrawn before end of month, dividends not paid for that month. 10% IRS penalty if withdrawn prior to age 59 1/2.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend rate (APR) is 0.15%.Any balance | 0.15% | $15 | Dividend rate (APR) is 0.15%. |
Sources (3)
- wsfcu.org/individual-retirement-accounts-iras
- wsfcu.org/individual-retirement-accounts-iras-copy
- wsfcu.org/deposit-rates
All captured Sep 16, 2026
Teen Succeed
0.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend rate (APR) is 0.15%. Minimum average daily balance required to obtain APY and avoid service fee.Any balance | 0.15% | $15 | Dividend rate (APR) is 0.15%. Minimum average daily balance required to obtain APY and avoid service fee. |
Youth Savings Club
0.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend rate (APR) is 0.15%. Minimum average daily balance required to obtain APY and avoid service fee.Any balance | 0.15% | $15 | Dividend rate (APR) is 0.15%. Minimum average daily balance required to obtain APY and avoid service fee. |
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.