--- title: "Firstlight Credit Union Rates - Texas" description: "Current auto loan, personal loan, and credit card rates from Firstlight Credit Union in Texas. Updated daily with source verification. See who can join Firstlight Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/texas/firstlight" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Firstlight Credit Union Rates - Texas ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **2007–2020; 48–78 Months** auto_any_78mo | — APR | 6.500% | 78 mo | Standard | Firstlight Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Revolving Line of Credit** ploc_variable | — APR | 16.900% | — | Standard | Firstlight Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Business Credit Card** credit_card_business | — APR | 12.650% | — | Standard | | **Platinum Credit Card** credit_card_platinum | — APR | 13.490% | — | Standard | | **Visa® Platinum Secured** credit_card_secured | — APR | 18.000% | — | Standard | Firstlight Credit Union credit card rates as of November 12, 2026 ### Other rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Featured Rates** other | — % | 4.750% | — | Standard | | **2025–Newer; 48–84 months** other | — % | 4.750% | — | Standard | | **2023–24; 48–84 Months** other | — % | 4.750% | — | Standard | | **2021–22; 48–78 Months** other | — % | 5.500% | — | Standard | | **Up to 84 months; $7,500+** other | — % | 7.490% | — | Standard | Firstlight Credit Union other rates as of November 12, 2026 Firstlight Credit Union is a credit union in Texas. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/firstlight) , verified from [Firstlight Credit Union's official website](https://www.firstlightfcu.org/) Loading branch locator… ## About Firstlight Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 98.5K Assets $1.6B Founded 1955 Locations reported 12 NCUA charter 10174 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Credit-builder products - Payday Alternative Loans II Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Raiz** Kenworthy · El Paso · TX · 79924 About 1.3 miles away](https://rateapi.dev/credit-unions/texas/raiz) [**GECU** Cohen · El Paso · TX · 79924-4426 About 1.4 miles away](https://rateapi.dev/credit-unions/texas/gecu) [**Navy Federal Credit Union** Crosspointe El Paso TX · El Paso · TX · 79904 About 2.5 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**White Sands** El Paso · El Paso · TX · 79904-1303 About 2.6 miles away](https://rateapi.dev/credit-unions/new-mexico/white-sands) [**Evolve** Paseo · El Paso · TX · 79912 About 8.0 miles away](https://rateapi.dev/credit-unions/texas/evolve) [**Nusenda** Gateway · El Paso · TX · 79905-2025 About 8.4 miles away](https://rateapi.dev/credit-unions/new-mexico/nusenda) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Firstlight Credit Union Membership eligibility from Firstlight Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Firstlight Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Firstlight Credit Union's membership page](https://www.firstlightfcu.org/meet-us/join/become-a-member-of-firstlight-federal-credit-union.html) . Final membership determination is always made by the credit union. ## Membership rules for Firstlight Credit Union Military · Family 2 published paths to membership, last verified August 21, 2026, quoted from Firstlight Credit Union’s own published criteria. ### Military 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Military affiliation “or are stationed at Fort Bliss, you're eligible to join.” > [source ↗](https://www.firstlightfcu.org/meet-us/join/become-a-member-of-firstlight-federal-credit-union.html) - Military: active duty ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member spouse, child, sibling, parent, grandparent, grandchild, step, adoptive “Family of an existing FirstLight member? You can join too!” > [source ↗](https://www.firstlightfcu.org/meet-us/join/become-a-member-of-firstlight-federal-credit-union.html) - Family member (spouse, child, sibling, parent, grandparent, grandchild, step, adoptive) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Firstlight Credit Union? Yes No ## Work at Firstlight Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Firstlight Credit Union ranks against Texas peers. - See which AI assistants fetched Firstlight Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=firstlight&state=texas&code=TX&name=Firstlight%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Firstlight Credit Union offer? Firstlight Credit Union currently offers Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Firstlight Credit Union rates updated? RateAPI verifies Firstlight Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Firstlight Credit Union's rate data? Rate data is collected directly from Firstlight Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Firstlight Credit Union? Firstlight Credit Union publishes its membership criteria on its own website. RateAPI tracks 2 published membership paths covering 1 military for Firstlight Credit Union, each quoted from Firstlight Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Firstlight Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.firstlightfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Firstlight Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Texas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Firstlight Credit Union curl "https://api.rateapi.dev/credit-unions/texas /firstlight " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Firstlight Credit Union locations Search, filter, and browse all 12 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/texas/firstlight Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp