What are the current interest rates at First Flight Federal Credit Union?

Current rates for First Flight Federal Credit Union include: 12-Month CD: 3.76%, 18-Month CD: 3.76%, 24-Month CD: 3.76%, 60-Month CD: 3.20%, Savings: 0.10%, MMA: 3.82%

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First Flight Federal Credit Union

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First Flight Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Flight Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

First Flight Federal Credit Union's top rates as of October 12, 2026 are 3.87% APY on its 12 Month Standard Personal CDs CD, 0.10% APY on savings, 3.82% APY on money market accounts, 0.10% APY on checking, 6.88% on its Conventional Fixed 15 Yr Conforming mortgage, and personal loans from 10.50% APR, according to rates verified by MonitorBankRates. Other First Flight Federal Credit Union CD rates include 18 Month Standard Personal CDs at 3.87%, 24 Month Standard Personal CDs at 3.87%, and Standard Personal CDs - 12 month at 3.87%. Other First Flight Federal Credit Union mortgage rates include 15 year Conforming Mortgage at 7.27%, 10 year Conforming Mortgage at 7.43%, and Conventional Fixed 10 Yr Conforming at 6.88%. MonitorBankRates evaluates the financial stability of First Flight Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.28%. Rates last updated and verified on 10/12/2026.

First Flight Federal Credit Union 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 First Flight Federal Credit Union? Share your experience about First Flight Federal Credit Union by leaving a review below, or read customer reviews before you decide to use First Flight Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.28%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

First Flight Federal Credit Union
Cary Corporate Headquarters

1815 Kildaire Farm Rd
Cary, NC 27518

https://www.efirstflight.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

First Flight Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Standard Personal Share Certificates	3.80%	3.87%	12 Months
Min Balance $10,000 Details Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings. Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.76% → 3.87% ▲ 0.11 pts · high 3.87% / low 3.76% Oct 12, 20263.87%▲ from 3.76% Sep 12, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
18 Month Standard Personal Share Certificates	3.80%	3.87%	18 Months
Min Balance $10,000 Details Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings. Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.66% → 3.87% ▲ 0.21 pts · high 3.87% / low 3.66% Oct 12, 20263.87%▲ from 3.66% Sep 12, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
24 Month Standard Personal Share Certificates	3.80%	3.87%	24 Months
Min Balance $10,000 Details Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings. Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.66% → 3.87% ▲ 0.21 pts · high 3.87% / low 3.66% Oct 12, 20263.87%▲ from 3.66% Sep 12, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 12 month	3.80%	3.87%	12 Months
Min Deposit $10,000 Details Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings. Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.76% → 3.87% ▲ 0.11 pts · high 3.87% / low 3.76% Oct 12, 20263.87%▲ from 3.76% Sep 12, 20263.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 18 month	3.80%	3.87%	18 Months
Min Deposit $10,000 Details Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings. Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.66% → 3.87% ▲ 0.21 pts · high 3.87% / low 3.66% Oct 12, 20263.87%▲ from 3.66% Sep 12, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 24 month	3.80%	3.87%	24 Months
Min Deposit $10,000 Details Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings. Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.66% → 3.87% ▲ 0.21 pts · high 3.87% / low 3.66% Oct 12, 20263.87%▲ from 3.66% Sep 12, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
18 Month Traditional IRA Certificate	-	3.76%	18 month
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66% Oct 12, 20263.76%▲ from 3.66% Sep 12, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 12 month	3.70%	3.76%	12 Months
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.76% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 18 month	3.70%	3.76%	18 Months
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66% Oct 12, 20263.76%▲ from 3.66% Sep 12, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 24 month	3.70%	3.76%	24 Months
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66% Oct 12, 20263.76%▲ from 3.66% Sep 12, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Traditional IRA Certificates - 12 month	3.70%	3.76%	12 Months
Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.76% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Traditional IRA Certificates - 18 month	3.70%	3.76%	18 Months
Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/12/2026 Rate History 1 change since Sep 18, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66% Oct 12, 20263.76%▲ from 3.66% Sep 18, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Traditional IRA Certificates - 24 month	3.70%	3.76%	24 Months
Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66% Oct 12, 20263.76%▲ from 3.66% Sep 12, 20263.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
36 Month Standard Personal Share Certificates	3.50%	3.56%	36 Months
Min Balance $10,000 Details Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings. Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.45% → 3.56% ▲ 0.11 pts · high 3.56% / low 3.45% Oct 12, 20263.56%▲ from 3.45% Sep 12, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 36 month	3.50%	3.56%	36 Months
Min Deposit $10,000 Details Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings. Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.45% → 3.56% ▲ 0.11 pts · high 3.56% / low 3.45% Oct 12, 20263.56%▲ from 3.45% Sep 12, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
36 Month Traditional IRA Certificate	-	3.45%	36 month
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 36 month	3.40%	3.45%	36 Months
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Traditional IRA Certificates - 36 month	3.40%	3.45%	36 Months
Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
48 Month Standard Personal Share Certificates	3.25%	3.30%	48 Months
Min Balance $10,000 Details Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings. Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20% Oct 12, 20263.30%▲ from 3.20% Sep 12, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
60 Month Standard Personal Share Certificates	3.25%	3.30%	60 Months
Min Balance $10,000 Details Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings. Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20% Oct 12, 20263.30%▲ from 3.20% Sep 12, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 48 month	3.25%	3.30%	48 Months
Min Deposit $10,000 Details Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings. Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20% Oct 12, 20263.30%▲ from 3.20% Sep 12, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 60 month	3.25%	3.30%	60 Months
Min Deposit $10,000 Details Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings. Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20% Oct 12, 20263.30%▲ from 3.20% Sep 12, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 48 month	3.15%	3.20%	48 Months
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 60 month	3.15%	3.20%	60 Months
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Traditional IRA Certificates - 48 month	3.15%	3.20%	48 Months
Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Traditional IRA Certificates - 60 month	3.15%	3.20%	60 Months
Min Balance $500 Details Balance: $500.00 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
180 Day Standard Personal Share Certificates	2.00%	2.02%	180 Days
Min Balance $10,000 Details Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings. Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 1.92% → 2.02% ▲ 0.10 pts · high 2.02% / low 1.92% Oct 12, 20262.02%▲ from 1.92% Sep 12, 20261.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
90 Day Standard Personal Share Certificates	2.00%	2.02%	90 Days
Min Balance $10,000 Details Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings. Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 1.92% → 2.02% ▲ 0.10 pts · high 2.02% / low 1.92% Oct 12, 20262.02%▲ from 1.92% Sep 12, 20261.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
6 Month Certificate	-	1.92%	6 month
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.92% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 180 Days	1.90%	1.92%	180 Days
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.92% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Share Certificates - 90 Days	1.90%	1.92%	90 Days
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.92% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%

First Flight Federal Credit Union Savings Rates

Product	Rate	APY
Goal Savers	0.25%	0.25%
Min Deposit $25 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Savings Accounts	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000.00 and above Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Young Savers	0.10%	0.10%
Min Balance $25 Details Rates and fees may change after account opening. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Savings Accounts	0.05%	0.05%
Min Balance $25 Details Balance: $25.00 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%

First Flight Federal Credit Union Money Market Rates

Product	Rate	APY
Prestige Money Market	-	3.82%
Details Balance: Up to $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 3.82% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Prestige Money Market	-	1.51%
Min Balance $50,000 Details Balance: $50,000 and above Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.51% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Money Market Accounts	1.50%	1.51%
Min Balance $50,000 Details Balance: $50,000.00 and above; Rates are variable and may change after account is opened. To earn the stated rate per tier, minimum tier balance must be maintained. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.51% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Money Market Accounts	1.25%	1.26%
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99; Rates are variable and may change after account is opened. To earn the stated rate per tier, minimum tier balance must be maintained. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 1.26% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Standard Personal Money Market Accounts	1.00%	1.01%
Details Balance: Up to $9,999.99; Rates are variable and may change after account is opened. To earn the stated rate per tier, minimum tier balance must be maintained. Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 1.00% → 1.01% ▲ 0.01 pts · high 1.01% / low 1.00% Oct 12, 20261.01%▲ from 1.00% Sep 12, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%

First Flight Federal Credit Union Checking Rates

Product	Rate	APY	View More
Prestige Checking	0.10%	0.10%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%

First Flight Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15 year Conforming Mortgage	-	-	7.273%	15 year
Details As Low As; Mortgages; APR only published Last Updated 10/12/2026 Rate History 4 changes since Sep 12, 2026 · 6.77% → 7.27% ▲ 0.51 pts · high 7.27% / low 6.77% Oct 2, 20267.27%▲ from 7.15% Sep 25, 20267.15%▲ from 7.02% Sep 18, 20267.02%▲ from 6.89% Sep 17, 20266.89%▲ from 6.77% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Conventional Fixed 15 Yr Conforming	6.875%	-	7.273%	15 years
Details As Low As; Mortgages - Fixed Rate; Rates quoted require 1.00% loan origination fee; Mortgage insurance required if loan to value exceeds 80% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.27% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
10 year Conforming Mortgage	-	-	7.429%	10 year
Details As Low As; Mortgages; APR only published Last Updated 10/12/2026 Rate History 4 changes since Sep 12, 2026 · 6.80% → 7.43% ▲ 0.63 pts · high 7.56% / low 6.80% Oct 12, 20267.43%▼ from 7.56% Oct 2, 20267.56%▲ from 7.30% Sep 25, 20267.30%▲ from 7.05% Sep 17, 20267.05%▲ from 6.80% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Conventional Fixed 10 Yr Conforming	6.875%	-	7.429%	10 years
Details As Low As; Mortgages - Fixed Rate; Rates quoted require 1.00% loan origination fee; Mortgage insurance required if loan to value exceeds 80% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.43% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Conventional Fixed 20 Yr Conforming	7.125%	-	7.449%	20 years
Details As Low As; Mortgages - Fixed Rate; Rates quoted require 1.00% loan origination fee; Mortgage insurance required if loan to value exceeds 80% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.45% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
10 year Fixed Rate Lot Loan	-	-	7.518%	10 year
Details As Low As; Lot Loans Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 7.52% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Lot Loans - 10-Year Fixed Rate	7.00%	-	7.518%	10 years
Details As Low As; Interest rate as low as 7.00%, APR as low as 7.518% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.52% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Conventional Fixed 30 Yr Conforming	7.50%	-	7.757%	30 years
Details As Low As; Mortgages - Fixed Rate; Rates quoted require 1.00% loan origination fee; Mortgage insurance required if loan to value exceeds 80% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.76% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%

First Flight Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed Equity Loan	6.25%	-	6.48%	12 years
Details As Low As; LTV: Up to 90%; Closing Costs: No closing costs Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 6.48% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Equity Access (HELOC)	7.00%	-	7.75%	10 years
Details As Low As; LTV: Up to 90%; Closing Costs: No closing costs Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 7.05% → 7.75% ▲ 0.70 pts · high 7.75% / low 7.05% Oct 4, 20267.75%▲ from 7.05% Sep 12, 20267.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Home Equity HELOC	-	-	7.75%
Details As Low As; Home Equity Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 7.05% → 7.75% ▲ 0.70 pts · high 7.75% / low 7.05% Oct 4, 20267.75%▲ from 7.05% Sep 12, 20267.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%

First Flight Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Auto Loans	-	-	4.26%
Details Auto Loans Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.26% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Used Auto Loans	-	-	4.77%
Details Auto Loans Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.77% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%

First Flight Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New Motorcycle Loans	-	5.06%
Details Motorcycle Loans Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.06% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Used Motorcycle Loans	-	5.31%
Details Motorcycle Loans Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 5.31% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
New Boat Loans	-	6.33%
Details Boat Loans Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 6.33% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Used Boat Loans	-	6.84%
Details Boat Loans Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 6.84% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
New RVs Loan	7.99%	8.08%
Details As Low As; Lowest rates based on $30,000 financed with 84-month term and loan to value <= 80%; Maximum vehicle age 20 years; Maximum loan to value 90%; Terms available up to 180 months Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.08% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Used RVs Loan	8.49%	8.61%
Details As Low As; Lowest rates based on $30,000 financed with 84-month term and loan to value <= 80%; Maximum vehicle age 20 years; Maximum loan to value 90%; Terms available up to 180 months Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.61% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%

First Flight Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Line of Credit	10.50%
Details As Low As; Personal Lines of Credit Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 10.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Personal Lines of Credit Loan	10.50%
Details As Low As; Personal Loans Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 10.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Personal Loans	12.44%
Details As Low As; Personal Loans Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 12.44% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Advance Personal Loans	25.00%
Details As Low As; Advance Personal Loans Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 25.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Advanced Personal Loan	25.00%
Details Membership eligibility required; must be a Member for at least 90 days with qualifying direct deposit within 61 days; loan amount $200 to $2,000; terms up to 12 months Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 25.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%

First Flight Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Advance Loans	-	-	25.00%	Up to 12 months
Details APR (Annual Percentage Rate) will be 25% for all loans; loan amount $200 minimum to $2,000 maximum; $20 application fee; Membership eligibility required, must be a Member for at least 90 days with qualifying direct deposit within 61 days Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 25.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Credit Builder Loan	11.00%	-	12.76%
Details Lowest rate based on $3,000 financed with a 36 month term Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 12.76% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Fast Funds Loan	10.50%	-	10.75%
Details Rates subject to change after line of credit is opened Last Updated 10/12/2026 Rate History 1 change since Sep 12, 2026 · 10.50% → 10.75% ▲ 0.25 pts · high 10.75% / low 10.50% Oct 4, 202610.75%▲ from 10.50% Sep 12, 202610.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Fixed Equity Loan	-	-	6.48%
Details As Low As; Home Equity Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 6.48% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Manufactured Homes Loan	7.50%	-	7.94%
Details As Low As; Lowest rates based on 80% of home value financed for a 60-month term; Membership eligibility required; Maximum APR 18% Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 7.94% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
New Autos	4.10%	-	4.26%
Details As Low As; Automobiles; Lowest rate based on $30,000 financed with 48-month term and loan to value <= 80% Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.26% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Used Autos	4.60%	-	4.77%
Details As Low As; Automobiles; Lowest rate based on $30,000 financed with 48-month term and loan to value <= 80% Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 4.77% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Educational Shares	0.10%	-	0.10%
Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
IRA Shares	0.10%	-	0.10%
Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Roth Conv	0.10%	-	0.10%
Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%
Roth Regular	0.10%	-	0.10%
Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.28%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

First Flight Federal Credit Union’s Texas Ratio stayed near 2.86% in Q3 2023 to 3.28% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$284M	3.28%	5.0	A+
March 31, 2026	$278M	4.09%	5.0	A+
December 31, 2025	$272M	4.98%	5.0	A+
September 30, 2025	$265M	3.60%	5.0	A+
June 30, 2025	$259M	2.47%	5.0	A+
March 31, 2025	$252M	1.85%	5.0	A+
December 31, 2024	$249M	3.60%	5.0	A+
September 30, 2024	$245M	2.67%	5.0	A+
June 30, 2024	$241M	2.30%	5.0	A+
March 31, 2024	$231M	2.88%	5.0	A+
December 31, 2023	$228M	3.67%	5.0	A+
September 30, 2023	$229M	2.86%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for First Flight Federal Credit Union 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 First Flight Federal Credit Union 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 First Flight Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name First Flight Federal Credit Union

Website https://www.efirstflight.com

Address 1815 Kildaire Farm Rd, Cary, NC 27518

Phone 919-851-5690

Fax 919-851-8667

President Greg Williams

CEO Tabitha Allen

Full-Time Employees 56

Part-Time Employees 9

Branch Locations 5

ATM Locations 4

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.28%

Return on Assets (ROA)

0.3731%

Return on Equity (ROE)

3.3747%

Non-Performing Loans Ratio (NPL)

0.66%

Total Assets

283,781,432

Total Amount of Shares and Deposits

249,409,548

Total Shares and Deposits < 1 Year

243,408,176

Total Shares and Deposits 1 3 Years

5,754,100

Total Shares and Deposits > 3 Years

247,271

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

14,483,557

Total Uninsured Shares and Deposits > $250K (F+J)

14,483,557

Total Insured Shares and Deposits > $250K (item 17 less item K)

234,925,991

Total Interest Expense (Sum of items 6 8)

1,947,746

Share Certificates

1,314

Number of Accounts for Share Drafts

11,737

IRA KEOGH Accounts

296

Number of Accounts for Regular Shares

24,734

All other shares

170

Non Member Deposits

Money Market Shares

1,660

Net Income (unless the amount is already included in Undivided Earnings)

1,058,806

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

38,390,853

Total Liabilities

252,606,289

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

First Flight Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About First Flight Federal Credit Union

How many branches does First Flight Federal Credit Union operate?

First Flight Federal Credit Union 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 First Flight Federal Credit Union?

Yes, to access services at First Flight Federal Credit Union, 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, First Flight Federal Credit Union 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, First Flight Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does First Flight Federal Credit Union offer online and mobile banking?

Most modern institutions like First Flight Federal Credit Union 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.efirstflight.com.

Current First Flight Federal Credit Union Rates

12-Month CD3.76%
18-Month CD3.76%
24-Month CD3.76%
60-Month CD3.20%
Savings0.10%
MMA3.82%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

First Flight Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Flight Federal Credit Union Texas Ratio

First Flight Federal Credit Union Health Trend

First Flight Federal Credit Union CD Rates

First Flight Federal Credit Union Savings Rates

First Flight Federal Credit Union Money Market Rates

First Flight Federal Credit Union Checking Rates

First Flight Federal Credit Union Mortgage Rates

First Flight Federal Credit Union Home Equity & HELOC

First Flight Federal Credit Union Auto Loan Rates

First Flight Federal Credit Union RV, Boat and Powersport Loan Rates

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First Flight Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

First Flight Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First Flight Federal Credit Union

How many branches does First Flight Federal Credit Union operate?

Is a member application needed to join First Flight Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First Flight Federal Credit Union offer online and mobile banking?

Current First Flight Federal Credit Union Rates

Compare to Other Credit Unions