First Flight Federal Credit Union

In the vibrant coastal community of Morehead City, First Flight Credit Union at 4501 Arendell St stands as your trusted neighborhood financial partner. Whether you’re ready to drive off with some of the best auto loans available or looking to open a personal checking or savings account tailored to your lifestyle, this friendly branch is here to guide you every step of the way. Open Monday through Friday from 9:00 am to 5:00 pm, with extended hours until 6:00 pm on Fridays, banking fits seamlessly into your busy schedule.
With over 19,300 members and assets surpassing $244 million, First Flight offers a full suite of services including low-rate mortgage loans and refinancing options that make homeownership more attainable. Business owners can also take advantage of merchant services and flexible business loans designed to help grow local enterprises. The branch features convenient onsite ATM access and drive-thru banking for quick deposits, withdrawals, and balance checks.
Visit First Flight Credit Union in Morehead City today at 4501 Arendell St to explore trusted vehicle financing or open a rewarding credit card crafted just for you. Experience personalized service that puts your financial goals first—contact us for expert guidance!
Phone: 252-247-0088 | Website: http://www.efirstflight.com

Type of Loan Offerings

home_equity_loans

Home Equity Loans

Program Name
Loan Type
APR
Term
Max Amount
CLTV
Link
home equity
Fixed Equity Loan
6.25 % - 6.48 %
12 Yrs
$50,000
90 %
heloc
Equity Access (HELOC)
7.75 % - 7.77 %
10 Yrs
90 %
mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
FIXED
10 Yr Conforming
5.625 %
6.162 %
1
10.0 Yrs
CONVENTIONAL
FIXED
15 Yr Conforming
5.875 %
6.258 %
1
15.0 Yrs
CONVENTIONAL
FIXED
20 Yr Conforming
6.0 %
6.307 %
1
20.0 Yrs
CONVENTIONAL
FIXED
30 Yr Conforming
6.625 %
6.867 %
1
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Credit builder
11 %
3 Yrs
$3,000
Advance loan
11.75 - 25 %
1 Yrs
$2,000
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
New Autos
4.52 % - 5.07 %
4 Yrs
Motorcycle
New Motorcycle
5.06 % - 5.31 %
4 Yrs
Other
New Boat
6.33 % - 6.84 %
8 Yrs
Other
New RVs
8.08 % - 8.61 %
7 Yrs

Introduction

Welcome to First Flight, your trusted partner in financial growth and community support located at 4501 Arendell St, Morehead City, NC 28557. Established in 1952, we are proud to have served our members for over seven decades, offering personalized banking solutions tailored to meet your unique needs. With a robust membership of 19,365 individuals and families, we are dedicated to enhancing the financial well-being of our community. At First Flight, we understand that your financial goals are important. That's why we've built a strong foundation with total assets of $244,727,581, ensuring stability and security for all our members. Our commitment extends beyond just numbers; it's about fostering relationships that matter. Whether you're looking for an auto loan (with over 8,330 loans already issued), saving for your future, or navigating the complexities of home financing, our friendly team is here to guide you every step of the way. Under the leadership of our CEO, Tabitha Allen, and Board President, Greg Williams, we strive to maintain an atmosphere of trust and reliability. Our dedicated staff of 69 employees is always ready to assist you with any inquiries or services you may need. You can reach us easily at 252-247-0088, or visit our website at efirstflight.com for more information about our offerings. While members can visit us at 4501 Arendell St, official correspondence should be sent to the same address as it serves as both our branch and mailing location. We invite you to explore everything First Flight has to offer: from personal banking services like checking and savings accounts to specialized options such as mortgage loans and business banking solutions. Join us today as we continue to make a positive impact in Morehead City and beyond. Stop by during our lobby hours Monday through Friday from 9:00 AM to 5:00 PM (and until 6:00 PM on Fridays) to discover how we can help you achieve your financial dreams!

Branch History & Mission

At First Flight in Morehead City, NC, we proudly celebrate a legacy that began in 1952. Since our inception, we have focused on providing exceptional financial services and fostering community growth. Our commitment to serving our members has allowed us to flourish into a trusted institution, boasting a total membership of over 19,000 and assets exceeding $244 million. Located at 4501 Arendell St, our branch is conveniently situated near local landmarks that highlight the vibrant spirit of Morehead City. This location not only serves as a hub for financial solutions but also as a gathering place for community engagement. While members can visit us at this address, official correspondence should be sent to the same location, as our mailing address is the same. Our mission at First Flight is simple yet profound: to empower our members through accessible financial services while actively contributing to the well-being of our community. We strive to offer a range of services including personal banking, auto loans, mortgage options, and business banking. We believe that by supporting our members' financial journeys, we can help strengthen families and build a better future for everyone. Throughout our history, we've embraced technology to enhance member experiences. From online banking and mobile payments to e-statements and electronic signatures, we ensure that managing finances is easy and convenient. Additionally, we maintain ADA compliance to make sure all members feel welcome and supported. Community outreach is at the heart of what we do. We partner with local organizations and participate in various initiatives aimed at improving the lives of those in Morehead City and beyond. Whether it's sponsoring local events or providing educational resources about financial literacy, First Flight remains dedicated to making a positive impact. We invite you to join us at First Flight Credit Union and experience firsthand the benefits of being part of a community-focused financial institution. Whether you're looking for reliable banking services or seeking ways to engage with your neighbors, we are here to support you every step of the way. Call us today at 252-247-0088 or visit our website at First Flight for more information on how we can assist you!

Branch Location & Accessibility

Welcome to First Flight at our Morehead City branch, where convenience meets community! Nestled at 4501 Arendell St, Morehead City, NC 28557, we are easily accessible for all your banking needs. Whether you're a long-time member or new to the area, our friendly staff is here to assist you. Our branch is located near popular local spots, making it simple to stop by while you're out and about. With ample parking available right outside our doors, accessing your financial services is quick and hassle-free. Our facility is designed with accessibility in mind, ensuring that everyone can enjoy our services comfortably. You can reach us at (252) 247-0088 during our operating hours: Monday through Thursday from 9:00 AM to 5:00 PM, and Fridays until 6:00 PM. We also offer a drive-thru service for those who prefer to bank from the comfort of their vehicle. Additionally, we have an ATM on-site for easy cash withdrawals and balance checks whenever you need them. While members can visit us at 4501 Arendell St, please note that any official correspondence should be sent to the same address as our mailing address remains the same. At First Flight, we pride ourselves on providing a range of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. So why wait? Come visit us at First Flight in Morehead City, or give us a call today! We look forward to helping you with all your financial needs.

Member Eligibility

Joining the First Flight community is more than just opening an account; it's about becoming part of a supportive family that truly cares about your financial well-being. To become a member, you need to meet some simple eligibility requirements. If you live, work, or worship in Carteret County or are related to a current member, you're already on the right track! We welcome individuals from all walks of life and believe everyone deserves access to quality financial services. Once you're ready to join us at our Morehead City branch located at 4501 Arendell St, simply visit our website for detailed information on eligibility here. The process is straightforward, and if you have any questions or need assistance, feel free to reach out to us at (252) 247-0088. Opening an account is just as easy check out the details here and take your first step toward enjoying all the benefits that come with being part of First Flight!

Business Banking & Commercial Services

Merchant Services That Empower

In today's fast-paced world, seamless payment processing is key to your success. Our merchant services simplify transactions, allowing you to focus on what matters most growing your business. Picture this: a customer walks into your store, makes a purchase using their smartphone, and you receive instant payment all thanks to our reliable systems. Visit us at 4501 Arendell St Morehead City Nc 28557 in Morehead City, NC or call us at (252) 247-0088 to learn more about how our business banking and commercial services can empower you to thrive!

Tailored Business Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. Imagine having access to funds that can help you purchase new equipment, hire additional staff, or even open a new location. At First Flight, we offer loan products that are tailored to meet your specific needs and goals.

Comprehensive List Of Services

Credit Cards and Business Banking

Our credit cards with rewards not only allow you to make purchases but also earn points on every dollar spent perfect for those who love to travel or shop! For small business owners, we offer comprehensive business banking services, including merchant services and business loans. We know how important it is for local businesses to thrive, so we work closely with entrepreneurs to support their financial needs.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking services that let you manage your accounts anytime, anywhere. With features like mobile payments and person-to-person transfers, handling your finances has never been easier. Whether you need quick access to cash through our ATM and cash withdrawal services or prefer visiting us in person for basic transactions at our drive-thru service, First Flight is committed to making banking accessible for everyone.

Final Thoughts

We invite you to experience all that First Flight has to offer. Our friendly staff is here to help you navigate your financial journey with ease. Ready to get started? Visit us at 4501 Arendell St Morehead City NC 28557 or check out our website at efirstflight.com for more information on how we can assist you today!

Personal Banking Solutions

Understanding that everyone has unique financial goals, we offer a variety of personal banking options. Our checking and savings accounts are designed to fit different lifestyles and needs. Imagine easily managing your day-to-day expenses or saving for a special vacation all with competitive interest rates and low fees. If you're in the market for a new vehicle, our auto loans and vehicle financing options can help you hit the road in no time. We understand that buying a car is a significant investment, which is why we strive to make the loan process as simple as possible. For those looking to purchase their first home or refinance an existing mortgage, our mortgage loans and refinancing services provide flexible terms and personalized assistance throughout the entire process. Additionally, if you're facing unexpected expenses or want to consolidate debt, consider our personal loans and debt consolidation offerings. We aim to provide solutions that ease your financial burden.

Digital & Online Banking

Accessibility and Ease of Use

The best part? All these features are designed to give you real-time access to your finances without complicated processes. Need to make a quick payment or check your balance? With First Flight's mobile application, it's all at your fingertips. We're committed to providing our members with accessible banking solutions that prioritize ease-of-use without compromising on security. Join us today and experience how digital banking can simplify your life!

Key Features

Our online platform is not only user-friendly but also packed with features to enhance your banking experience. You can enjoy the convenience of electronic signature authorization, making it easier than ever to complete transactions without the hassle of paperwork. Plus, with e-statements available, you can go paperless and access your financial statements anytime you need them. For those who are always on the go, our mobile application allows you to manage your accounts right from your smartphone. Whether you're making mobile payments or sending money to friends through person-to-person transfers, everything is just a few taps away. And don't worry about security; we've got that covered too! Your information is protected with top-notch security measures so you can bank with confidence.

Financial Strength

At First Flight, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that in today's world, having a reliable financial partner is essential. That's why we are proud to share our strong financial standing with you. With a net worth of $30,773,879, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,254 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $45,497,154 in share certificates and $45,638,588 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $27,828,109 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors, with $3,661 in used auto loans and $147,964,077 in total loans and leases. Our performance is reflected in our $2,316,625, showcasing our operational efficiency. This efficiency enables us to continue offering competitive loan rates and solid financial products for all members. We also take pride in having 60 full-time employees and 9 part-time employees dedicated to serving you with knowledgeable support. Net Shares (Funds available for lending and investments): $523,791. Total Share Accounts: 36,583, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Flight is your trusted partner. Visit us at 4501 Arendell St Morehead City Nc 28557 or call (252) 247-0088 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $43,866,247 in used vehicle loans and $11,090,014 in new vehicle loans already helping members get on the road. We cater to all types of borrowers, whether you're financing a brand-new model or a reliable used car. Plus, if you're considering refinancing an existing auto loan, we can help explore options that may save you money.

Credit Lines and More

In addition to auto and mortgage loans, we offer credit lines totaling $45,482,038, giving you financial flexibility for unexpected expenses or planned purchases. If you're interested in any of these loan products or want to learn more about eligibility requirements, don't hesitate to reach out! You can contact us at (252) 247-0088, visit us at our branch located at 4501 Arendell St Morehead City Nc 28557, Morehead City, NC, or check our website at https://www.efirstflight.com/. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to help you take the next step towards achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $10,479,867, ensuring you have access to funding when you need it most. Whether you're a first-time buyer or looking to refinance your current mortgage, our team is here to guide you through the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. If you're looking for ways to consolidate debt or make purchases without collateral, our unsecured credit cards provide an accessible solution.

Loan Aggregator

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