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Last Updated: 04/18/2025

White Sands FCU Share Secured Loan

in Personal Loans from White Sands Federal Credit Union

Last Updated: 04/18/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
White Sands Federal Credit Union logo
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Highlights

APR (Variable APR)

Starting at 2.15%(Verified 07/12/2024)

Amount Range

N/A


Loan Term (Months)

N/A


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White Sands FCU Share Secured Loan Review

White Sands FCU Share Secured Loan is offered by White Sands Federal Credit Union, a credit union founded in 1952 and based in Las Cruces, NM. White Sands FCU Share Secured Loan are available in 50 states, 5 US territories, and Washington, DC.

Key Takeaways

  • Uses a variable APR. This is uncommon for personal loans. If interest rates rise in the future it could make the monthly payments more challenging. Personal loan interest rates typically range between 9% and 36%. The starting rates for White Sands FCU Share Secured Loan are on the lower end of the spectrum.

White Sands FCU Share Secured Loan Pros & Cons

White Sands FCU Share Secured Loan FAQ

What interest rates and personal loan terms does White Sands FCU Share Secured Loan offer?

White Sands FCU Share Secured Loan has lower than average interest rates for lenders reviewed on SuperMoney.

What interest rates does White Sands FCU Share Secured Loan offer?

White Sands FCU Share Secured Loan offers a variable APR personal loan product that starts at 2.15% APR.

What fees does White Sands FCU Share Secured Loan charge?

Does White Sands FCU Share Secured Loan charge an origination fee?

White Sands FCU Share Secured Loan may charge a personal loan origination fee .

Does White Sands FCU Share Secured Loan charge a late fee?

White Sands FCU Share Secured Loan does not disclose whether it charges late payment fees.

Does White Sands FCU Share Secured Loan charge prepayment fees?

No, White Sands FCU Share Secured Loan does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.

What do you need to qualify for White Sands FCU Share Secured Loan?

White Sands FCU Share Secured Loan does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
White Sands FCU Share Secured Loan does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by White Sands FCU Share Secured Loan.
To qualify, applicants may need to provide the following documentation:
  • Driver's license or other government photo ID
  • Government issued photo ID
  • Proof of identity

Does White Sands FCU Share Secured Loan report your account activity to credit bureaus?

Yes, White Sands FCU Share Secured Loan reports to the following credit bureaus:
  • Equifax
  • Experian
  • TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does White Sands Federal Credit Union perform a hard credit pull?

Yes, White Sands FCU Share Secured Loan performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

Are White Sands FCU Share Secured Loan legit?

White Sands Federal Credit Union was founded in 1952, it is a well-established company that has been in business for 74 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

2755 N Main St
Las Cruces, NM 88001
(575) 647-4500
Visit Site

Hours of Operation

Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed

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Rating not yet determined
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APR

Starting at 8.50%
Disclaimer popup with additional information

Amount Range

N/A

Loan Term (Months)

Up to 120
Visit Site
White Sands Federal Credit Union logo

APR

Starting at 10.59%
Disclaimer popup with additional information

Amount Range

N/A

Loan Term (Months)

Up to 60

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SuperMoney Net Recommendation Score

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The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

White Sands FCU Share Secured Loan Community Reviews

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