Last Updated: 04/18/2025
White Sands FCU Regular IRA
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
0.15%(Verified 07/11/2024)
Minimum Opening Deposit
$5
Minimum Balance to Earn APY
$100
White Sands FCU Regular IRA Review
White Sands FCU Regular IRA is offered by White Sands Federal Credit Union, a credit union founded in 1952 and based in Las Cruces, NM. White Sands FCU Regular IRA are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- Low interest rate. The maximum annual percentage yield for this account is only 0.15%.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- Small minimum initial deposit. You only need $5.00 to open an account.
White Sands FCU Regular IRA Pros & Cons
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White Sands FCU Regular IRA FAQ
Are savings accounts from White Sands Federal Credit Union federally insured?
Yes, your savings accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
Does White Sands Federal Credit Union offer a signup bonus?
White Sands FCU Regular IRA doesn't offer a signup bonus.
What is the minimum initial deposit for White Sands FCU Regular IRA?
The minimum deposit to open a White Sands FCU Regular IRA is $5.00.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $100.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY does White Sands FCU Regular IRA offer?
White Sands FCU Regular IRA offers an APY of 0.15% (APY stands for annual percentage yield, rates may change).
The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually. What fees does White Sands FCU Regular IRA charge?
White Sands FCU Regular IRA does not charge a monthly service fee. See the fee breakdown section below to view all fees.
- Outgoing domestic bank transfers come with a $15.00 fee.
- Incoming domestic bank transfers come with a $7.00 fee.
- Outgoing international bank transfers come with a $35.00 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
- An overdraft on your account will trigger a $29.00 fee per item.
- White Sands FCU Regular IRA charges $3.00 every time you request a paper statement.
Does White Sands FCU Regular IRA charge overdraft fees?
Yes, White Sands FCU Regular IRA charges a $29.00 overdraft fee. White Sands FCU Regular IRA offers overdraft protection at a cost of $3.00 per transaction. This overdraft protection fee is charged every time the bank arranges a transfer from another one of your accounts, typically a savings account, to cover the overdraft.
What features and perks does White Sands FCU Regular IRA offer?
This savings account includes the following features:
- Mobile Banking Services - White Sands FCU Regular IRA allows you to manage your money online or with a mobile app.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
Can you set up a direct deposit to White Sands FCU Regular IRA?
Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.
What is the customer support email for White Sands FCU Regular IRA?
The customer support email for White Sands FCU Regular IRA is info@wsfcu.org.
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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
Other Services by White Sands Federal Credit Union
Other Savings Accounts from White Sands Federal Credit Union
Rating not yet determined
APY (Annual Percentage Yield)
0.15%
Disclaimer popup with additional information
Minimum Opening Deposit
$5
Minimum Balance to Earn APY
$100
Rating not yet determined
APY (Annual Percentage Yield)
0.15%
Disclaimer popup with additional information
Minimum Opening Deposit
$5
Minimum Balance to Earn APY
$100
Rating not yet determined
APY (Annual Percentage Yield)
0.15%
Disclaimer popup with additional information
Minimum Opening Deposit
$5
Minimum Balance to Earn APY
$100
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