9983 Kenworthy St
El Paso, TX 79924


2018 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 10174
Date Established 1955
Assets $1,074.14 million
Loans $876.39 million
Deposits $971.88 million
Capital $91.43 million

Firstlight is an NCUA insured institution located in El Paso, TX. It was founded in 1955 and has approximately $1074.14 millions in assets.

Who can join?

Military and civilian personnel of the United States Government who work at or are assigned or attached to Fort Bliss, Texas, Biggs Army Airfield or William Beaumont General Hospital at Fort Bliss, Texas;

Active duty and reserve personnel assigned to 900th Quartermaster Petroleum Company (supply)(Type B), El Paso, Texas

Active duty and reserve personnel assigned to Headquarters Company 383RD Petroleum Battalion (operating), El Paso, Texas;

Active duty and reserve personnel assigned to the 263re S&S Company, El Paso, Texas;

Active duty and reserve personnel assigned to the 5035th Garrison Unit, El Paso, Texas;

Active duty and reserve personnel assigned to Naval and Marine Corps Reserve Center, El Paso, Texas;

Members of the 203rd Security Police Flight Air National Guard Units, El Paso, Texas;

Military personnel of foreign governments while assigned to Fort Bliss, Texas;

Members of this credit union who are stationed at military bases overseas and retain their membership in this credit union;

Staff and faculty of the Boards of Education who work in the public schools of Dona Ana and Sierra Counties, New Mexico;

Staff and faculty of New Mexico State University who are paid or supervised from Las Cruces, New Mexico;

Members of the Las Cruces Retired Teachers Association who qualify for membership in accordance with its constitution and bylaws as of the date of its addition to this field of membership;

Persons retired as pensioners or annuitants from the above employment

Retired members of the armed forces of the U. S. Government who utilize the facilities of Fort Bliss or the William Beaumont General Hospital

Widows or widowers of deceased members of the U.S. Government Armed Forces (active or retired) who utilize the facilities of Fort Bliss or William Beaumont General Hospital

Employees of this credit union and members of their immediate families, which include parents, grandparents, brother, sister, children, grandchildren and their spouses.

Persons who live, work or worship in, and businesses and other legal entities located in the low-income community of Dona Ana County, New Mexico;

Persons who live, work or worship in, or attend school in, and businesses and other legal entities located in the underserved area of El Paso, County, Texas;(11/16/01)

Members of their immediate families, which include parents, grandparents, brother, sister, children, grandchildren and their spouses.

Registered students at New Mexico State University and the Dona Ana Branch Community College who are enrolled at the main campus at University Park, New Mexico;

Registered students in the Las Cruces School District No. 2 public schools and Gadsden Independent School District; and organizations of such persons;

Volunteers of the above named entities;

Spouses of persons who died while within the field of membership of this credit union; and organizations of such persons

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.

Deposit Rates - August 15, 2018

Your Current Location: Virginia, VA 20146

CD Rates (Share Certificate Rates) APY MIN MAX
0.65% $500 $24,999 Learn MoreShow Less
3 Mo CD 100K
0.80% $100,000 - Learn MoreShow Less
0.85% $500 $24,999 Learn MoreShow Less
6 Mo CD 100K
1.00% $100,000 - Learn MoreShow Less
Savings Rates (Share Account Rates) APY MIN MAX
1.71% $500 $24,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.40% $1 - Learn MoreShow Less
MM 2.5K
0.40% $2,500 $9,999 Learn MoreShow Less
MM 10K
0.45% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.55% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $2,500 $4,999 Learn MoreShow Less

Loan Rates - August 15, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for FIRSTLIGHT

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
HomeDirect Mortgage
NMLS ID: 420821
4.520% 4.500% 0.25 $680 $1,267 Learn More
Ally Bank
NMLS ID: 181005
4.563% 4.500% 0.38 $1,949 $1,267 Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.325% 4.250% 0.50 $2,354 $1,230 Learn More
PenFed Credit Union
NMLS ID: 401822
4.585% 4.500% 0.00 $2,500 $1,267 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More
Flagstar Bank 5.740% $291.47 Learn More

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Firstlight branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Firstlight Locations

Financial Details

Firstlight Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Firstlight. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Firstlight U.S. Average
7.97% 6.94

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2018, Firstlight had $7,045,545 in non-current loans and $842,792 in owned assets. To cover these potential losses it had $91,425,598 in net worth and $7,550,195 in loans loss reserves. That gives it a Texas Ratio of 7.97%.

Net Worth
Firstlight U.S. Average
8.51% 13.08%

Firstlight FCU has a net worth of 8.51% versus the BestCashCow average of 13.08. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions On Firstlight

What is Firstlight?

A federal credit union, registered with the NCUA under certificate #10174.
Learn more about credit unions here.

Is Firstlight FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Firstlight?

Please see Field of Membership information above for information on who is eligible to join.

What are Firstlight's share account and share certificate rates?

Firstlight's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Firstlight?

Firstlight has total capital of $91.43 million. Full information on Firstlight's financial position is located above.

Who owns Firstlight?

Credit Unions are owned by their members.

Where are Firstlight branches located?

See branch locations nearby.

Are Firstlight ATMs Open 24/7?

Do Firstlight ATMs accept cash deposits?

Can Firstlight customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Firstlight have a mobile app?

Does Firstlight have mobile deposit?

Does Firstlight have quick pay?

How can Firstlight transfer money to other banks or credit unions?

Does Firstlight report to credit bureaus?

Does Firstlight use Chexsystems?

Does Firstlight use Equifax?

What is Firstlight's toll free phone number?

What is Firstlight's ACH Routing Number?

What is Firstlight's SWIFT code?

Where can I find Firstlight's wire transfer form?

What is the Firstlight address for deposits?

What Products Does Firstlight Offer

Does Firstlight offer mortgages?

Compare mortgage rates here.

Does Firstlight offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Firstlight offer auto and RV loans?

Compare auto loan rates here.

Does Firstlight offer student loans or personal loans?

Compare personal loan rates here.

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