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First Flight Federal Credit Union

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First Flight Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at First Flight Federal Credit Union?

Current rates for First Flight Federal Credit Union include: 12-Month CD: 3.97%, 18-Month CD: 3.97%, 24-Month CD: 3.76%, 60-Month CD: 3.20%, Savings: 0.10%, MMA: 3.82%

Q: What CD terms does First Flight Federal Credit Union offer?

First Flight Federal Credit Union CD rates are 4.07% APY for a 12 month CD, 4.07% APY for an 18 month CD, 3.87% APY for a 2 year CD and 3.20% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with First Flight Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

First Flight Federal Credit Union's 12 Month Standard Personal CDs rates are at 4.07%, 18 Month Standard Personal CDs rates are at 4.07%, Standard Personal CDs - 12 month rates are at 3.97%, Standard Personal CDs - 18 month rates are at 3.97%, 24 Month Standard Personal CDs rates are at 3.87%. First Flight Federal Credit Union's savings rates are at 0.10%. First Flight Federal Credit Union's money market rates are at 3.82%. First Flight Federal Credit Union's checking rates are as high as 0.10%. First Flight Federal Credit Union's 15 Year Conforming Mortgage rates are at 7.15%, Conventional Fixed - 15 Yr Conforming rates are at 6.75%, 10 Year Conforming Mortgage rates are at 7.18%, Conventional Fixed - 10 Yr Conforming rates are at 6.62%, Conventional Fixed - 20 Yr Conforming rates are at 6.88%. First Flight Federal Credit Union's Personal Loan Rates are as low as 12.44%. First Flight Federal Credit Union's CD rates are 27% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of First Flight Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.28%. Rates last updated and verified on 10/28/2026.

First Flight Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Flight Federal Credit Union? Share your experience about First Flight Federal Credit Union by leaving a review below, or read customer reviews before you decide to use First Flight Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.28%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

First Flight Federal Credit Union
Cary Corporate Headquarters

1815 Kildaire Farm Rd
Cary, NC 27518

https://www.efirstflight.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

First Flight Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Standard Personal Share Certificates	4.00%	4.07%	12 Months
Min Balance $10,000 Details Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87% Oct 23, 20264.07%▲ from 3.87% Oct 12, 20263.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
18 Month Standard Personal Share Certificates	4.00%	4.07%	18 Months
Min Balance $10,000 Details Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings Last Updated 10/28/2026 Rate History 1 change since Oct 12, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87% Oct 23, 20264.07%▲ from 3.87% Oct 12, 20263.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
12 Month Traditional IRA Certificate	3.90%	3.97%	12 Months
Min Deposit $500 Details Opening deposit between $500 - $9,999.99; Early withdrawal penalties may apply and reduce earnings Last Updated 10/28/2026 Rate History 1 change since Sep 18, 2026 · 3.76% → 3.97% ▲ 0.21 pts · high 3.97% / low 3.76% Oct 23, 20263.97%▲ from 3.76% Sep 18, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
18 Month Traditional IRA Certificate	3.90%	3.97%	18 Months
Min Deposit $500 Details Opening deposit between $500 - $9,999.99; Early withdrawal penalties may apply and reduce earnings Last Updated 10/28/2026 Rate History 2 changes since Sep 12, 2026 · 3.66% → 3.97% ▲ 0.31 pts · high 3.97% / low 3.66% Oct 28, 20263.97%▲ from 3.76% Oct 12, 20263.76%▲ from 3.66% Sep 12, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 12 month	3.90%	3.97%	12 Months
Min Balance $500 Details Balance: $500.00 - $9,999.99; Opening deposit between $500 - $9,999.99; Early withdrawal penalties may apply and reduce earnings. Last Updated 10/28/2026 Rate History 2 changes since Sep 12, 2026 · 3.76% → 3.97% ▲ 0.21 pts · high 3.97% / low 3.76% Oct 23, 20263.97%▲ from 3.87% Oct 12, 20263.87%▲ from 3.76% Sep 12, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 18 month	3.90%	3.97%	18 Months
Min Balance $500 Details Balance: $500.00 - $9,999.99; Opening deposit between $500 - $9,999.99; Early withdrawal penalties may apply and reduce earnings. Last Updated 10/28/2026 Rate History 2 changes since Sep 12, 2026 · 3.66% → 3.97% ▲ 0.31 pts · high 3.97% / low 3.66% Oct 23, 20263.97%▲ from 3.87% Oct 12, 20263.87%▲ from 3.66% Sep 12, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
24 Month Standard Personal Share Certificates	3.80%	3.87%	24 Months
Min Balance $10,000 Details Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.87% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
24 Month Traditional IRA Certificate	3.70%	3.76%	24 Months
Min Deposit $500 Details Opening deposit between $500 - $9,999.99; Early withdrawal penalties may apply and reduce earnings Last Updated 10/28/2026 Rate History 1 change since Sep 18, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66% Oct 23, 20263.76%▲ from 3.66% Sep 18, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 24 month	3.70%	3.76%	24 Months
Min Balance $500 Details Balance: $500.00 - $9,999.99; Opening deposit between $500 - $9,999.99; Early withdrawal penalties may apply and reduce earnings. Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66% Oct 12, 20263.76%▲ from 3.66% Sep 12, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
36 Month Standard Personal Share Certificates	3.50%	3.56%	36 Months
Min Balance $10,000 Details Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.56% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
36 Month Traditional IRA Certificate	3.40%	3.45%	36 Months
Min Deposit $500 Details Opening deposit between $500 - $9,999.99; Early withdrawal penalties may apply and reduce earnings Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 36 month	3.40%	3.45%	36 Months
Min Balance $500 Details Balance: $500.00 - $9,999.99; Opening deposit between $500 - $9,999.99; Early withdrawal penalties may apply and reduce earnings. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
48 Month Standard Personal Share Certificates	3.25%	3.30%	48 Months
Min Balance $10,000 Details Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
60 Month Standard Personal Share Certificates	3.25%	3.30%	60 Months
Min Balance $10,000 Details Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
48 Month Traditional IRA Certificate	3.15%	3.20%	48 Months
Min Deposit $500 Details Opening deposit between $500 - $9,999.99; Early withdrawal penalties may apply and reduce earnings Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
60 Month Traditional IRA Certificate	3.15%	3.20%	60 Months
Min Deposit $500 Details Opening deposit between $500 - $9,999.99; Early withdrawal penalties may apply and reduce earnings Last Updated 10/28/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 48 month	3.15%	3.20%	48 Months
Min Balance $500 Details Balance: $500.00 - $9,999.99; Opening deposit between $500 - $9,999.99; Early withdrawal penalties may apply and reduce earnings. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 60 month	3.15%	3.20%	60 Months
Min Balance $500 Details Balance: $500.00 - $9,999.99; Opening deposit between $500 - $9,999.99; Early withdrawal penalties may apply and reduce earnings. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 180 Days	2.00%	2.02%	180 Days
Min Balance $10,000 Details Opening deposit of $10,000.00 and above Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 90 Days	2.00%	2.02%	90 Days
Min Balance $10,000 Details Opening deposit of $10,000.00 and above Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 180 Days	1.90%	1.92%	180 Days
Min Balance $500 Details Balance: $500.00 - $9,999.99; Opening deposit between $500 - $9,999.99; Early withdrawal penalties may apply and reduce earnings. Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 1.92% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 90 Days	1.90%	1.92%	90 Days
Min Balance $500 Details Balance: $500.00 - $9,999.99; Opening deposit between $500 - $9,999.99; Early withdrawal penalties may apply and reduce earnings. Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 1.92% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%

First Flight Federal Credit Union Savings Rates

Product	Rate	APY
Goal Savers	0.25%	0.25%
Min Deposit $25 Details Rates are subject to change without notice. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Educational Shares	0.10%	0.10%
Details IRA Share Products Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
IRA Shares	0.10%	0.10%
Details IRA Share Products Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Savings Accounts	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000.00 and above Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Young Savers	0.10%	0.10%
Min Balance $25 Details Rates and fees may change after account opening. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Savings Accounts	0.05%	0.05%
Min Balance $25 Details Balance: $25.00 - $9,999.99 Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%

First Flight Federal Credit Union Money Market Rates

Product	Rate	APY
Prestige Money Market Accounts	3.75%	3.82%
Min Deposit $10,000 Min Balance $0 Details Balance: Up to $49,999.99; Promotional rate applies to deposits up to $49,999.99; Minimum new deposit of $10,000 required at account opening; Membership eligibility required; Promotion subject to change or end without notice Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 3.82% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Money Market Accounts	1.50%	1.51%
Min Balance $50,000 Details Balance: $50,000.00 and above Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Prestige Money Market Accounts	1.50%	1.51%
Min Balance $50,000 Details Balance: $50,000.00 and above; Standard Money Market rate for deposits outside the promotional range; Membership eligibility required Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 1.51% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Money Market Accounts	1.25%	1.26%
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.26% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Money Market Accounts	1.00%	1.00%
Details Balance: Up to $9,999.99 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%

First Flight Federal Credit Union Checking Rates

Product	Rate	APY
Prestige Checking	0.10%	0.10%
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Everyday Checking	0.00%	0.00%
No additional details. Last Updated 10/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%

First Flight Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Conforming Mortgage	-	-	7.146%	15 year
Details Rates as low as Last Updated 10/28/2026 Rate History 5 changes since Sep 12, 2026 · 6.77% → 7.15% ▲ 0.38 pts · high 7.27% / low 6.77% Oct 23, 20267.15%▼ from 7.27% Oct 2, 20267.27%▲ from 7.15% Sep 25, 20267.15%▲ from 7.02% Sep 18, 20267.02%▲ from 6.89% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Conventional Fixed - 15 Yr Conforming	6.75%	-	7.146%
Details As Low As; Mortgages - Fixed Rate; Conventional Fixed; Requires 1.00% loan origination fee Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 7.40% → 7.15% ▼ 0.25 pts · high 7.40% / low 7.15% Oct 28, 20267.15%▼ from 7.40% Oct 15, 20267.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
10 Year Conforming Mortgage	-	-	7.176%	10 year
Details Rates as low as Last Updated 10/28/2026 Rate History 6 changes since Sep 12, 2026 · 6.80% → 7.18% ▲ 0.38 pts · high 7.56% / low 6.80% Oct 28, 20267.18%▲ from 7.05% Oct 23, 20267.05%▼ from 7.43% Oct 12, 20267.43%▼ from 7.56% Oct 2, 20267.56%▲ from 7.30% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Conventional Fixed - 10 Yr Conforming	6.625%	-	7.176%
Details As Low As; Mortgages - Fixed Rate; Conventional Fixed; Requires 1.00% loan origination fee Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 7.30% → 7.18% ▼ 0.13 pts · high 7.30% / low 7.18% Oct 28, 20267.18%▼ from 7.30% Oct 15, 20267.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Conventional Fixed - 20 Yr Conforming	6.875%	-	7.196%
Details As Low As; Mortgages - Fixed Rate; Conventional Fixed; Requires 1.00% loan origination fee Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 7.58% → 7.20% ▼ 0.38 pts · high 7.58% / low 7.20% Oct 28, 20267.20%▼ from 7.58% Oct 15, 20267.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Lot Loan - 10 Year Fixed Rate	-	-	7.518%	10 year
Details Rates as low as Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.52% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Conventional Fixed - 30 Yr Conforming	7.375%	-	7.629%
Details As Low As; Mortgages - Fixed Rate; Conventional Fixed; Requires 1.00% loan origination fee Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 7.76% → 7.63% ▼ 0.13 pts · high 7.76% / low 7.63% Oct 28, 20267.63%▼ from 7.76% Oct 15, 20267.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%

First Flight Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Equity Access (HELOC)	7.00%	-	7.75%	10 years
Details As Low As; LTV: Up to 90%; Closing Costs: No closing costs; Rate calculated using a $50,000 loan amount Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 7.05% → 7.75% ▲ 0.70 pts · high 7.75% / low 7.05% Oct 4, 20267.75%▲ from 7.05% Sep 12, 20267.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%

First Flight Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
Automobile Loan - New Autos	4.10%	-	4.26%
Details As Low As; Rates based on $30,000 financed with a 48-month term and loan to value <= 80% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.26% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Automobile Loan - Used Autos	4.60%	-	4.77%
Details As Low As; Rates based on $30,000 financed with a 48-month term and loan to value <= 80% Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.77% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%

First Flight Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle Loan	4.94%	5.06%
Details As Low As; Lowest rates based on $30,000 financed with a 48-month term and loan to value <= 80% Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 5.06% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Used Motorcycle Loan	5.19%	5.31%
Details As Low As; Lowest rates based on $30,000 financed with a 48-month term and loan to value <= 80% Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 5.31% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
New Boat Loan	6.24%	6.33%	96 months
Details As Low As; Lowest rate based on $30,000 financed with a 96-month term and loan to value <= 80%; Maximum vehicle age 20 years; Maximum loan to value 100%; Terms available up to 180 months Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.33% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Used Boat Loan	6.74%	6.84%	96 months
Details As Low As; Lowest rate based on $30,000 financed with a 96-month term and loan to value <= 80%; Maximum vehicle age 20 years; Maximum loan to value 100%; Terms available up to 180 months Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.84% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
RVs - New RVs Loan	7.99%	8.08%
Details As Low As; Lowest rates based on $30,000 financed with 84-month term and loan to value <= 80%; Maximum vehicle age 20 years; Maximum loan to value 90%; Terms available up to 180 months Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.08% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
RVs - Used RVs Loan	8.49%	8.61%
Details As Low As; Lowest rates based on $30,000 financed with 84-month term and loan to value <= 80%; Maximum vehicle age 20 years; Maximum loan to value 90%; Terms available up to 180 months Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.61% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%

First Flight Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	12.44%
Details As Low As; Membership eligibility required; must be a Member for at least 90 days and account in good standing Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 12.44% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Advanced Personal Loan	25.00%
Details Advance loan; minimum loan $200 and maximum $2,000 based on direct deposits over 61 days; APR 25% for all loans; $20 application fee; terms up to 12 months; must be a Member for at least 90 days with qualifying direct deposit within 61 days Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 25.00% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%

First Flight Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Builder Loan	11.00%	-	12.76%
Details Lowest rates based on $3,000 financed with a 36 month term; other credit options available at higher rates Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 12.76% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Fast Funds Loan	10.50%	-	10.75%
Details Line of credit; rates subject to change after line of credit is opened; First Flight may close lines of credit Last Updated 10/28/2026 Rate History 1 change since Sep 12, 2026 · 10.50% → 10.75% ▲ 0.25 pts · high 10.75% / low 10.50% Oct 4, 202610.75%▲ from 10.50% Sep 12, 202610.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Fixed Equity Loan	6.25%	-	6.48%	12 years
Details As Low As; LTV: Up to 90%; Closing Costs: No closing costs; Rate calculated using a $50,000 loan amount Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.48% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Manufactured Homes Loan	7.50%	-	7.94%
Details Published APR range: As low as 7.94%; Published rate range: As low as 7.50%. As Low As; Membership eligibility required. Maximum APR (Annual Percentage Rate) of 18%. Lowest rates based on 80% of the value of the home financed for a 60-month term and meeting applicable credit criteria. Maximum loan to value 110%. Terms available up to 180 months. Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 7.94% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Roth Conv	0.10%	-	0.10%
Details IRA Share Products Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Roth Regular	0.10%	-	0.10%
Details IRA Share Products Last Updated 10/28/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 12 Months	4.00%	-	4.07%	12 Months
Min Balance $10,000 Details Opening deposit of $10,000.00 and above Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 18 Months	4.00%	-	4.07%	18 Months
Min Balance $10,000 Details Opening deposit of $10,000.00 and above Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 24 Months	3.80%	-	3.87%	24 Months
Min Balance $10,000 Details Opening deposit of $10,000.00 and above Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.87% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 36 Months	3.50%	-	3.56%	36 Months
Min Balance $10,000 Details Opening deposit of $10,000.00 and above Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.56% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 48 Months	3.25%	-	3.30%	48 Months
Min Balance $10,000 Details Opening deposit of $10,000.00 and above Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 60 Months	3.25%	-	3.30%	60 Months
Min Balance $10,000 Details Opening deposit of $10,000.00 and above Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

First Flight Federal Credit Union’s Texas Ratio stayed near 2.86% in Q3 2023 to 3.28% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$284M	3.28%	5.0	A+
March 31, 2026	$278M	4.09%	5.0	A+
December 31, 2025	$272M	4.98%	5.0	A+
September 30, 2025	$265M	3.60%	5.0	A+
June 30, 2025	$259M	2.47%	5.0	A+
March 31, 2025	$252M	1.85%	5.0	A+
December 31, 2024	$249M	3.60%	5.0	A+
September 30, 2024	$245M	2.67%	5.0	A+
June 30, 2024	$241M	2.30%	5.0	A+
March 31, 2024	$231M	2.88%	5.0	A+
December 31, 2023	$228M	3.67%	5.0	A+
September 30, 2023	$229M	2.86%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for First Flight Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather First Flight Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Flight Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name First Flight Federal Credit Union

Website https://www.efirstflight.com

Address 1815 Kildaire Farm Rd, Cary, NC 27518

Phone 919-851-5690

Fax 919-851-8667

President Greg Williams

CEO Tabitha Allen

Full-Time Employees 56

Part-Time Employees 9

Branch Locations 5

ATM Locations 4

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.28%

Return on Assets (ROA)

0.3731%

Return on Equity (ROE)

3.3747%

Non-Performing Loans Ratio (NPL)

0.66%

Total Assets

283,781,432

Total Amount of Shares and Deposits

249,409,548

Total Shares and Deposits < 1 Year

243,408,176

Total Shares and Deposits 1 3 Years

5,754,100

Total Shares and Deposits > 3 Years

247,271

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

14,483,557

Total Uninsured Shares and Deposits > $250K (F+J)

14,483,557

Total Insured Shares and Deposits > $250K (item 17 less item K)

234,925,991

Total Interest Expense (Sum of items 6 8)

1,947,746

Share Certificates

1,314

Number of Accounts for Share Drafts

11,737

IRA KEOGH Accounts

296

Number of Accounts for Regular Shares

24,734

All other shares

170

Non Member Deposits

Money Market Shares

1,660

Net Income (unless the amount is already included in Undivided Earnings)

1,058,806

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

38,390,853

Total Liabilities

252,606,289

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Flight Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About First Flight Federal Credit Union

Does First Flight Federal Credit Union offer CDs?

Yes. First Flight Federal Credit Union current CD rates include its 12 Month Standard Personal CDs at 4.07% APY, its 18 Month Standard Personal CDs at 4.07% APY and its Standard Personal CDs - 12 month at 3.97% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from First Flight Federal Credit Union NCUA insured?

Yes. First Flight Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at First Flight Federal Credit Union?

The highest First Flight Federal Credit Union CD rate is its 12 Month Standard Personal CDs at 4.07% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does First Flight Federal Credit Union offer?

First Flight Federal Credit Union CD rates are 4.07% APY for a 12 month CD, 4.07% APY for an 18 month CD, 3.87% APY for a 2 year CD and 3.20% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with First Flight Federal Credit Union for its full lineup.

What is the highest savings rate at First Flight Federal Credit Union?

The highest First Flight Federal Credit Union savings rate is its Savings Accounts at 0.10% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at First Flight Federal Credit Union?

The highest First Flight Federal Credit Union money market rate is its Prestige Money Market Accounts at 3.82% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at First Flight Federal Credit Union?

The highest First Flight Federal Credit Union checking rate is its Prestige Checking at 0.10% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest 30 year fixed mortgage rate at First Flight Federal Credit Union?

The lowest First Flight Federal Credit Union 30 year fixed mortgage rate is its Conventional Fixed - 30 Yr Conforming at 7.375%, verified by MonitorBankRates as of October 28, 2026. First Flight Federal Credit Union mortgage rates are 7.375% for a 30 year mortgage, 6.875% for a 20 year mortgage, 6.75% for a 15 year mortgage and 6.625% for a 10 year mortgage.

What is the lowest auto loan rate at First Flight Federal Credit Union?

The lowest First Flight Federal Credit Union auto loan rate is its Automobile Loan - New Autos at 4.10%, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at First Flight Federal Credit Union?

The lowest First Flight Federal Credit Union personal loan rate is its Personal Loan at 11.75%, verified by MonitorBankRates as of October 28, 2026.

How many branches does First Flight Federal Credit Union operate?

First Flight Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join First Flight Federal Credit Union?

Yes, to access services at First Flight Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, First Flight Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Flight Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does First Flight Federal Credit Union offer online and mobile banking?

Most modern institutions like First Flight Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.efirstflight.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do First Flight Federal Credit Union rates compare?

First Flight Federal Credit Union's CD rates are 27% higher than the MonitorBankRates national average, and it has an A+ health rating. First Flight Federal Credit Union's top rates are its 12 Month Standard Personal CDs at 4.07% APY, its Savings Accounts at 0.10% APY, its Prestige Money Market Accounts at 3.82% APY, its Prestige Checking at 0.10% APY, its Conventional Fixed - 10 Yr Conforming at 6.625% and its Personal Loan at 12.44% APR, verified by MonitorBankRates on October 28, 2026.

Current First Flight Federal Credit Union Rates

12-Month CD3.97%
18-Month CD3.97%
24-Month CD3.76%
60-Month CD3.20%
Savings0.10%
MMA3.82%

Retrieved from our database of financial products. Rates subject to change.

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First Flight Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Flight Federal Credit Union Texas Ratio

First Flight Federal Credit Union Health Trend

First Flight Federal Credit Union CD Rates

First Flight Federal Credit Union Savings Rates

First Flight Federal Credit Union Money Market Rates

First Flight Federal Credit Union Checking Rates

First Flight Federal Credit Union Mortgage Rates

First Flight Federal Credit Union Home Equity & HELOC

First Flight Federal Credit Union Auto Loan Rates

First Flight Federal Credit Union RV, Boat and Powersport Loan Rates

First Flight Federal Credit Union Personal Loan Rates

First Flight Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

First Flight Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First Flight Federal Credit Union

Does First Flight Federal Credit Union offer CDs?

Are CDs from First Flight Federal Credit Union NCUA insured?

What is the highest CD rate at First Flight Federal Credit Union?

What CD terms does First Flight Federal Credit Union offer?

What is the highest savings rate at First Flight Federal Credit Union?

What is the highest money market rate at First Flight Federal Credit Union?

What is the highest checking rate at First Flight Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at First Flight Federal Credit Union?

What is the lowest auto loan rate at First Flight Federal Credit Union?

What is the lowest personal loan rate at First Flight Federal Credit Union?

How many branches does First Flight Federal Credit Union operate?

Is a member application needed to join First Flight Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First Flight Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do First Flight Federal Credit Union rates compare?

Current First Flight Federal Credit Union Rates

Compare to Other Credit Unions