FIRSTLIGHT

9983 Kenworthy St
El Paso, TX 79924

Notable Rates APY Vs.Others
Savings 0.25% 2.30% →
1-Year CD 1.55% 2.25% →
2-Year CD 1.85% 2.50% →
5-Year CD 2.15% 3.25% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Credit Union Information

Firstlight is an NCUA insured institution located in El Paso, TX. It was founded in 1955 and has approximately $1134.32 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

NCUA Insured Yes
Charter Number # # 10174
Date Established 1955
Assets $1,134.32 million
Loans $889.05 million
Deposits $1,022.12 million
Capital $100.78 million
 

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 - December 10, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.35% $2,500 $9,999 Learn MoreShow Less
Money Market
0.45% $10,000 $24,999 Learn MoreShow Less
Money Market
0.55% $25,000 $49,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
1.45% $500 $24,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
0.55% $500 $24,999 Learn MoreShow Less
3 Mo CD
0.55% $100,000 - Learn MoreShow Less
0.80% $500 $24,999 Learn MoreShow Less
6 Mo CD
0.80% $100,000 - Learn MoreShow Less
1.45% $500 $24,999 Learn MoreShow Less
12 Mo CD
1.55% $100,000 - Learn MoreShow Less
1.75% $500 $24,999 Learn MoreShow Less
18 Mo CD
1.85% $100,000 - Learn MoreShow Less
1.75% $500 $24,999 Learn MoreShow Less
24 Mo CD
1.85% $100,000 - Learn MoreShow Less
1.80% $500 $24,999 Learn MoreShow Less
30 Mo CD
1.85% $100,000 - Learn MoreShow Less
1.80% $500 $24,999 Learn MoreShow Less
36 Mo CD
1.85% $100,000 - Learn MoreShow Less
1.80% $500 $24,999 Learn MoreShow Less
48 Mo CD
1.85% $100,000 - Learn MoreShow Less
2.10% $500 $24,999 Learn MoreShow Less
60 Mo CD
2.15% $100,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.40% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $4,999 Learn MoreShow Less

Loan Rates - December 10, 2019

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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.625% 3.625% -0.13 ($362) $1,141 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Atlantic Union Bank
Atlantic Union Bank
4.750 %
$15,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

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



Branches

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:
Ashburn,Virginia


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
6.54% 5.86

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 June 30, 2019, Firstlight had $6,712,429 in non-current loans and $374,277 in owned assets. To cover these potential losses it had $100,780,359 in net worth and $7,655,504 in loans loss reserves. That gives it a Texas Ratio of 6.54%.

Net Worth
Firstlight U.S. Average
8.88% 13.65%

Firstlight FCU has a net worth of 8.88% versus the BestCashCow average of 13.65. 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 About Firstlight

Branches and Savings

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 $100.78 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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