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Firstlight Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
4.30%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
4.50%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.firstlightfcu.org
915-562-1172
9983 Kenworthy St
El Paso, TX 79924

Firstlight Federal Credit Union is headquartered in El Paso and is the 22nd largest credit union in the state of Texas. It is also the 295th largest credit union in the nation. It was established in 1955 and as of December of 2024, it had grown to 360 employees and 100,195 members at 12 locations. Firstlight Federal Credit Union's savings rates are 6X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Firstlight Federal Credit Union is open to those who live, work, or worship in El Paso County, Doña Ana County or the Fort Bliss community.
See current membership details

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Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #10174
Year Chartered1955
Employees360
Primary Regulator
Profit Margin
Return on Assets - YTD0.34%
Return on Equity - YTD3.63%
Annual Interest Income$101.5MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$1.6B$1.55B
LoansQ4 2024vs Q4 2023$1.31B$1.27B
DepositsQ4 2024vs Q4 2023$1.35B$1.3B
Equity CapitalQ4 2024vs Q4 2023$151.1MM$145.1MM
Loan Loss AllowanceQ4 2024vs Q4 2023$19MM$16.6MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$7.5MM$10MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
4.30%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
4.50%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/17/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Firstlight Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Firstlight Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%$300k-High Yield Savings
3.04%$300k-Business High Yield Savings
0.15%$100-Share Savings
0.15%$100-Business Share Savings
0.15%$0-Cha Ching
0.15%$0-Dollar Dog
0.15%$0-The Edge

Firstlight Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.16%*$500k*-Business Money Market
OTHER TIERS: 0.50% → $2.5k - $10k | 0.70% → $10k - $25k | 0.80% → $25k - $50k | 0.85% → $50k - $100k | 1.11% → $100k - $500k
1.16%*$500k*-Money Market
OTHER TIERS: 0.50% → $2.5k - $10k | 0.70% → $10k - $25k | 0.80% → $25k - $50k | 0.85% → $50k - $100k | 1.11% → $100k - $500k

Firstlight Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.13%*$5k*-Simply More
OTHER TIERS: 0.10% → $2.5k - $5k
0.10%$7.5k-Business Premier

Firstlight Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.70%*$100k*-Business 1 Year CD
OTHER TIERS: 4.60% → $500 - $25k | 4.65% → $25k - $100k
4.70%*$100k*-1 Year CD
OTHER TIERS: 4.60% → $500 - $25k | 4.65% → $25k - $100k
4.35%*$100k*-Business 6 Month CD
OTHER TIERS: 4.25% → $500 - $25k | 4.30% → $25k - $100k
4.35%*$100k*-6 Month CD
OTHER TIERS: 4.25% → $500 - $25k | 4.30% → $25k - $100k
4.10%*$100k*-Business 2 Year CD
OTHER TIERS: 4.00% → $500 - $25k | 4.05% → $25k - $100k
4.10%*$100k*-2 Year CD
OTHER TIERS: 4.00% → $500 - $25k | 4.05% → $25k - $100k
4.05%*$100k*-Business 18 Month CD
OTHER TIERS: 3.95% → $500 - $25k | 4.00% → $25k - $100k
4.05%*$100k*-18 Month CD
OTHER TIERS: 3.95% → $500 - $25k | 4.00% → $25k - $100k
3.80%*$100k*-Business 4 Year CD
OTHER TIERS: 3.70% → $500 - $25k | 3.75% → $25k - $100k
3.80%*$100k*-Business 5 Year CD
OTHER TIERS: 3.70% → $500 - $25k | 3.75% → $25k - $100k
3.80%*$100k*-4 Year CD
OTHER TIERS: 3.70% → $500 - $25k | 3.75% → $25k - $100k
3.80%*$100k*-5 Year CD
OTHER TIERS: 3.70% → $500 - $25k | 3.75% → $25k - $100k
3.75%*$100k*-Business 3 Year CD
OTHER TIERS: 3.65% → $500 - $25k | 3.70% → $25k - $100k
3.75%*$100k*-3 Year CD
OTHER TIERS: 3.65% → $500 - $25k | 3.70% → $25k - $100k
3.75%*$100k*-Business 30 Month CD
OTHER TIERS: 3.65% → $500 - $25k | 3.70% → $25k - $100k
3.75%*$100k*-30 Month CD
OTHER TIERS: 3.65% → $500 - $25k | 3.70% → $25k - $100k
3.55%*$100k*-Business 2 Year Changeable CD
OTHER TIERS: 3.45% → $500 - $25k | 3.50% → $25k - $100k
3.55%*$100k*-2 Year Changeable CD
OTHER TIERS: 3.45% → $500 - $25k | 3.50% → $25k - $100k
3.45%$5-1 Year Dream Builder CD
3.15%*$100k*-Business 91 Day CD
OTHER TIERS: 3.05% → $500 - $25k | 3.10% → $25k - $100k
3.15%*$100k*-91 Day CD
OTHER TIERS: 3.05% → $500 - $25k | 3.10% → $25k - $100k
2.60%$5-2 Year Dream Builder CD
2.40%$5-3 Year Dream Builder CD

Firstlight Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.70%*$100k*-1 Year IRA
OTHER TIERS: 4.60% → $500 - $25k | 4.65% → $25k - $100k
4.35%*$100k*-6 Month IRA
OTHER TIERS: 4.25% → $500 - $25k | 4.30% → $25k - $100k
4.10%*$100k*-2 Year IRA
OTHER TIERS: 4.00% → $500 - $25k | 4.05% → $25k - $100k
4.05%*$100k*-18 Month IRA
OTHER TIERS: 3.95% → $500 - $25k | 4.00% → $25k - $100k
3.80%*$100k*-4 Year IRA
OTHER TIERS: 3.70% → $500 - $25k | 3.75% → $25k - $100k
3.80%*$100k*-5 Year IRA
OTHER TIERS: 3.70% → $500 - $25k | 3.75% → $25k - $100k
3.75%*$100k*-3 Year IRA
OTHER TIERS: 3.65% → $500 - $25k | 3.70% → $25k - $100k
3.55%*$100k*-2 Year Changeable IRA
OTHER TIERS: 3.45% → $500 - $25k | 3.50% → $25k - $100k
3.15%*$100k*-91 Day IRA
OTHER TIERS: 3.05% → $500 - $25k | 3.10% → $25k - $100k
0.25%$0-IRA Savings
Locations

Availability

El Paso Area

Interactive local rates map


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