What are the current interest rates at FIRSTLIGHT?

Current rates for FIRSTLIGHT include: 24-Month CD: 4.15%, MMA: 1.11%

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FIRSTLIGHT

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FIRSTLIGHT Rates & Review October 2026

Q: How many branches does FIRSTLIGHT operate?

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

Q: Is a member application needed to join FIRSTLIGHT?

Yes, to access services at FIRSTLIGHT, 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.

Q: Is there a first-time homebuyer program?

Currently, FIRSTLIGHT 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.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

FIRSTLIGHT's top rates as of October 10, 2026 are 4.15% APY on its 2 Year CD, 1.11% APY on money market accounts, and auto loans from 4.50% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of FIRSTLIGHT with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.30%. Rates last updated and verified on 10/10/2026.

FIRSTLIGHT 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 FIRSTLIGHT? Share your experience about FIRSTLIGHT by leaving a review below, or read customer reviews before you decide to use FIRSTLIGHT.

Verified Healthy Q2 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

3.30%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

FIRSTLIGHT
Headquarters

9909 Kenworthy St
El Paso, TX 79924

https://www.firstlightfcu.org

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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.

FIRSTLIGHT CD Rates

Product	Rate	APY	Term	View More
2 Year Certificate	-	4.15%	2 Year
Min Deposit $100,000 Details Promotion is for a limited time on a 2-year share certificate (Consumer and Business) with a $100,000 minimum deposit. FirstLight Federal Credit Union reserves the right to end or modify a special/promotional rate at any time. Penalties apply for early withdrawal from certificates. Unless you indicate otherwise, the certificate will be renewed at maturity at a like term, if available, or at the then-current rate in effect. Other restrictions may apply. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%

FIRSTLIGHT Money Market Rates

Product	Rate	APY	View More
Money Market	-	1.11%
Min Balance $100,000 Details AVD $100,000 - $249,999. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.11% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%

FIRSTLIGHT Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Vehicle Loan	-	-	4.50%	48 months
Details As Low As; Advertised rate includes discounts of 0.25% for Auto Pay from the lowest rate of 4.75%. Interest will accrue during the 90-day no payment period. Other restrictions may apply. Discount offers are subject to change at any time without any notice. Example: 48 months at 4.50% APR = Approximately Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 4.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%

FIRSTLIGHT Other Rates

Product	Rate	Points	APY/APR	Term	View More
Credit Rebuilder Loan	-	-	9.99%
Details All loans are subject to approval. Rates and terms are based on vehicle year and borrower's credit qualification and are subject to change. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

FIRSTLIGHT’s Texas Ratio fell from 3.86% in Q3 2023 to 3.30% 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	$1.6B	3.30%	5.0	A+
March 31, 2026	$1.6B	3.08%	5.0	A+
December 31, 2025	$1.6B	3.56%	5.0	A+
September 30, 2025	$1.6B	3.77%	5.0	A+
June 30, 2025	$1.6B	3.35%	5.0	A+
March 31, 2025	$1.6B	3.76%	5.0	A+
December 31, 2024	$1.6B	4.18%	5.0	A+
September 30, 2024	$1.6B	3.64%	5.0	A+
June 30, 2024	$1.6B	3.94%	5.0	A+
March 31, 2024	$1.6B	4.23%	5.0	A+
December 31, 2023	$1.6B	5.77%	5.0	A+
September 30, 2023	$1.6B	3.86%	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 FIRSTLIGHT 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 FIRSTLIGHT 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 FIRSTLIGHT's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name FIRSTLIGHT

Website https://www.firstlightfcu.org

Address 9909 Kenworthy St, El Paso, TX 79924

Phone 915-562-1172

Fax

President Joshua Orozco

CEO Margarita Salazar

Full-Time Employees 347

Part-Time Employees 6

Branch Locations 11

ATM Locations 11

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

3.30%

Return on Assets (ROA)

0.4593%

Return on Equity (ROE)

4.4457%

Non-Performing Loans Ratio (NPL)

0.48%

Total Assets

1,634,824,222

Total Amount of Shares and Deposits

1,446,664,084

Total Shares and Deposits < 1 Year

1,384,078,020

Total Shares and Deposits 1 3 Years

54,476,800

Total Shares and Deposits > 3 Years

8,109,263

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

174,132,761

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

174,132,761

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

1,272,531,323

Total Interest Expense (Sum of items 6 8)

10,506,894

Share Certificates

12,497

Number of Accounts for Share Drafts

68,117

IRA KEOGH Accounts

2,125

Number of Accounts for Regular Shares

109,478

All other shares

1,828

Non Member Deposits

Money Market Shares

5,246

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)

147,031,649

Total Liabilities

1,465,927,545

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

FIRSTLIGHT earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/firstlight-rates-review-10174">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

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Frequently Asked Questions About FIRSTLIGHT

How many branches does FIRSTLIGHT operate?

FIRSTLIGHT 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 FIRSTLIGHT?

Yes, to access services at FIRSTLIGHT, 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, FIRSTLIGHT 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, FIRSTLIGHT provides members with tools to manage their accounts and build a solid financial history.

Does FIRSTLIGHT offer online and mobile banking?

Most modern institutions like FIRSTLIGHT 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.firstlightfcu.org.