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FIRSTLIGHT

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FIRSTLIGHT Rates & Review May 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: May 20, 2026

FIRSTLIGHT's 6-Month CD rates are at 4.15%. FIRSTLIGHT's Personal Loan Rates are at 4.50%. MonitorBankRates evaluates the financial stability of FIRSTLIGHT with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.77%. Rates were last updated on 05/20/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.77%

Excellent Lower than avg

FIRSTLIGHT
Administration

9983 Kenworthy St
El Paso, TX 79924

https://www.firstlightfcu.org

FIRSTLIGHT CD Rates

Product	Rate	APY	Term	View More
6-Month Share Certificate	-	4.15%	6
Details Special Last Updated 05/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%

FIRSTLIGHT Auto Loan Rates

Product	Rate	Points	APR
Auto Loan	-	-	4.50%
Details Memorial Day Auto Loan Special! Last Updated 05/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%
Auto Loans	-	-	5.00%
Details As Low As Last Updated 05/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.77%

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.

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 9983 Kenworthy St, El Paso, TX 79924

Phone 915-562-1172

Fax 915-745-4110

President Joshua Orozco

CEO Margarita Salazar

Full-Time Employees 337

Part-Time Employees 1

Branch Locations 12

ATM Locations 12

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

3.77%

Return on Assets (ROA)

0.1014%

Return on Equity (ROE)

1.0045%

Non-Performing Loans Ratio (NPL)

0.58%

Total Assets

1,592,381,540

Total Amount of Shares and Deposits

1,414,601,330

Total Shares and Deposits < 1 Year

1,343,032,646

Total Shares and Deposits 1 3 Years

60,464,670

Total Shares and Deposits > 3 Years

11,104,014

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

163,587,446

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

163,587,446

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

1,251,013,884

Total Interest Expense (Sum of items 6 8)

17,158,343

Share Certificates

12,323

Number of Accounts for Share Drafts

68,516

IRA KEOGH Accounts

2,223

Number of Accounts for Regular Shares

110,525

All other shares

1,865

Non Member Deposits

Money Market Shares

5,492

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

261,657,386

Total Liabilities

1,433,470,713

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for FIRSTLIGHT yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

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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.