Firstlight Federal Credit Union

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A short history of Firstlight FCU

Since its inception in 1955 the Firstlight Federal Credit Union has been serving its members in the El Paso, Texas area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Karl Murphy, the Firstlight FCU has grown its membership to over 108,985 with assets of more than $1,021,843,381. They have a main office and 10 branch offices. Please see the credit unions website or contact them by phone at (915) 562-1172 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in El Paso, TX.

General Information For Firstlight FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 10174
Address 9983 Kenworthy St 
City El Paso 
State Texas 
Zip-Code 79924
Phone Number (915) 562-1172
Fax Number (915) 745-4110
Email Address:
CEO/President Karl Murphy
Members 108,985 
Full-Time Employees 332 
Part-Time Employees
Number of Branch Offices 10 
Total Assets 1,021,843,381 

Compare Firstlight Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Gecu CU VDS II 10425 Vista Del Sol Dr 79998 (915) 774-2238 No 8.39
Mountain Star CU Main 2229 E Yandell Dr 79903 (915) 544-2215 No 8.71
Evolve CU Northeast 4521 Cohen Ave 79924 (915) 599-6832 No 9.21
One Source CU Main Office 8870 Gazelle Dr 79925 (915) 592-0223 No 9.31
Tip Of Texas CU Main 11501 Gateway Blvd W 79936 (915) 532-6575 No 13.26

Firstlight Federal Credit Union Financial Performance Charts

Performance Charts

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Financial Data

Firstlight Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.62 3.75 3.75 3.13 5.96
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 212 243 175 38 336
Rank Among All Texas Credit Unions 48 87 64 8 78

Firstlight Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.25 0.55 0.97 0.40
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 95 55 179 243
Rank Among All Texas Credit Unions N/A 34 9 55 61
Firstlight Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.6208,93330,270,352
All Other Unsecured Loans/Lines of Credit 18.00013,84746,365,660
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.75010,531223,693,615
Used Vehicle Loans 3.75014,811212,444,827
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.1302,800300,604,012
Total Other Real Estate Loans/Lines of Credit 5.9601826,255,278
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 18.0001,59921,475,865
TOTAL LOANS & LEASES 52,703841,109,609

Firstlight Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 88297,738,673558,010,852
    b. 15 Years or less 1,43281,906,784726,399,729
    a. > 15 years 20077,894,9904015,140,478
    b. 15 Years or less 12022,922,953143,536,340
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 535,826,82400
Adjustable Rate > 1 yr 11314,313,78800


Closed-End Fixed Rate 1826,255,2787844,100
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 2,982306,859,29018833,931,499


Interest Only & Payment Option 1st Mortgage Loans 249,844,2674,343,900
Interest Only & Payment Option Other RE/LOC Loans 6441,770154,000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Firstlight Federal Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes