Firstlight Federal Credit Union


Overview / Commentary
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

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
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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