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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
FIRSTLIGHT Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 18, 2026
FIRSTLIGHT's IRA/CDs & Business CDs 1 year rates are at 4.05%, 1 Year CD rates are at 4.00%, IRA/CDs & Business CDs 1 year rates are at 4.00%, IRA/CDs & Business CDs 6 month rates are at 4.00%, IRA/Share & Business CDs 1 year rates are at 3.95%. FIRSTLIGHT's savings rates are at 0.15%. FIRSTLIGHT's money market rates are at 0.50%. MonitorBankRates evaluates the financial stability of FIRSTLIGHT with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.32%. Rates were last updated on 03/18/2026. 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. Farmers State Bank of Underwood
Administration 9983 Kenworthy St
https://www.firstlightfcu.org El Paso, TX 79924 
FIRSTLIGHT CD Rates
FIRSTLIGHT Savings Rates
FIRSTLIGHT Money Market Rates
FIRSTLIGHT Checking Rates
FIRSTLIGHT Credit Card Rates
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.32%
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
10
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
Frequently Asked Questions About FIRSTLIGHTIs FIRSTLIGHT a safe place to deposit money?Yes, FIRSTLIGHT is considered a safe financial institution. With a Texas Ratio of 4.3206067167693%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current FIRSTLIGHT Rates
Retrieved from our database of financial products. Rates subject to change.
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