FirstLight Credit Union Las Cruces NM | Best Auto Loans & Mortgage Rates

Introduction

Welcome to Firstlight, your trusted financial partner located at 3791 E Lohman Ave, Las Cruces, NM 88011. Since our establishment in 1955, we have proudly served our community with a commitment to helping our members achieve their financial goals. With a total membership of over 100,000, we strive to provide personalized banking solutions that make a real difference in people's lives. At Firstlight, we understand that each member's needs are unique. That's why we offer a wide range of services, including personal banking options like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Additionally, our business banking services cater to local entrepreneurs with tailored solutions such as merchant services and business loans. Our strong financial foundation speaks volumes about our dedication to you. We boast total assets of $1,599,326,350 and have successfully facilitated over 51,756 loans and leases for our members. With total deposits amounting to $46,122,707 and a net worth of $160,060,041, you can trust us to manage your money wisely. Our CEO Margarita Salazar and Board President Joshua Orozco lead our team of 351 employees, ensuring that every interaction you have with us is grounded in expertise and care. While you can visit us at our branch location for all your banking needs, please note that any official correspondence should be directed to the same address: 3791 E Lohman Ave, Las Cruces, NM 88011. If you have any questions or need assistance, don't hesitate to reach out by calling us at 575-526-4401. Join us today and experience the Firstlight difference where your financial success is our priority! For more information about our services or to open an account online, please visit Firstlight's website.

Branch History & Mission

Community Commitment

Firstlight is more than just a credit union; we are deeply rooted in the Las Cruces community. Our outreach efforts include partnerships with local organizations and initiatives designed to support those in need. We aim not only to meet the financial needs of our members but also to contribute positively to the community we love. As we look toward the future, we remain steadfast in our dedication to providing excellent service while adapting to the evolving needs of our members. If you're seeking a financial partner who truly cares about your success and well-being, consider joining Firstlight today! Experience firsthand how we can help you achieve your financial dreams while being part of a supportive community. For more information or assistance, feel free to call us at 575-526-4401 or visit us online at Firstlight FCU. Together, let's light the way to a brighter financial future!

Our Mission

At Firstlight, our mission is simple yet powerful: to provide exceptional financial services while fostering a strong sense of community. We believe that by helping individuals achieve their financial goals, we uplift everyone around us. Our services include checking and savings accounts, auto loans, mortgage options, personal loans, and credit cards with rewards. We also support businesses with merchant services and business loans. We take pride in our modern approach to banking. With features like online and mobile banking available, you can manage your finances at your convenience. Additionally, our commitment to ADA compliance ensures that all members of the community can access our services without barriers.

Branch Location & Accessibility

Convenient Access

Finding us is easy! Our location offers ample parking, ensuring that you can quickly park and step inside without any hassle. We have also made sure our branch is accessible to everyone, featuring ADA-compliant ramps and pathways for those who need them. If you prefer not to come inside, we also offer drive-thru banking for quick transactions like deposits and withdrawals.

Get in Touch

Have questions? Don't hesitate to reach out! You can call us at 575-526-4401 anytime during business hours. We look forward to welcoming you into our Firstlight family! Come visit us soon!

Operating Hours

We're here to serve you during the week with flexible hours that fit your schedule. Our lobby opens at 9:00 AM from Monday through Thursday, closing at 5:00 PM. On Fridays, we extend our hours until 6:00 PM, and we're open Saturdays from 9:00 AM to 1:00 PM. Whether you're looking to open an account or need assistance with loans or mortgages, our friendly staff is ready to help.

Services Offered

At Firstlight, we offer a wide range of services tailored to meet your needs from personal checking and savings accounts to auto loans and credit cards with rewards. Additionally, enjoy the convenience of online and mobile banking options that let you manage your finances on the go. We also have an ATM available right at our location for quick cash access. While members can visit us at 3791 E Lohman Ave, official correspondence should be sent to the same address as our mailing address making it simple for all communication.

Member Eligibility

Joining the Firstlight community means becoming part of a welcoming family that genuinely cares about your financial well-being. At our branch located at 3791 E Lohman Ave, Las Cruces, NM 88011, we strive to make membership accessible and inclusive. If you're a resident of New Mexico or Texas, or if you work for a partner organization, you may be eligible to join us. We encourage anyone interested in financial growth and community support to reach out! For more detailed eligibility criteria, feel free to visit our website at . Becoming a member is straightforward and can open doors to fantastic benefits like lower loan rates and personalized service. To get started, simply check out the easy account opening process online at https://loans.firstlightfcu.org/products/portal . If you have any questions or need assistance, don't hesitate to give us a call at (575) 526-4401. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services Made Easy

In addition to loans, we offer essential merchant services that simplify your payment processes. Imagine being able to accept payments quickly and securely, giving your customers a hassle-free shopping experience. Our services not only enhance customer satisfaction but also streamline your operations, allowing you to focus on what you do best running your business. Located at 3791 E Lohman Ave Las Cruces Nm 88011 in Las Cruces, NM, we're here to partner with you on your journey toward success. Contact us at (575) 526-4401 to learn more about how we can support your business today!

Supporting Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $591 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $371,473,765, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Services

For entrepreneurs and businesses, we provide tailored solutions through our Business Banking services. This includes merchant services that streamline transactions and business loans designed to help you grow. Whatever your business needs, we're here to support you every step of the way.

Cash Withdrawal Services

Need cash in a hurry? Our ATM & Cash Withdrawal Services ensure quick access to your funds whenever needed. Plus, with our basic drive-thru banking option, simple transactions like deposits and withdrawals can be completed efficiently without leaving your vehicle.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking options that let you manage your accounts anytime, anywhere. Whether you want to check your balance on the go or transfer funds between accounts, our platform is designed for ease of use.

Loans and Financing Options

When it comes to financing, Firstlight has you covered. We offer Auto Loans & Vehicle Financing that help you get behind the wheel of your dream car without breaking the bank. For those looking at homeownership, our Mortgage Loans & Refinancing options provide competitive rates and personalized service to make your home-buying journey as smooth as possible. If you're facing unexpected expenses or wish to consolidate debt, our Personal Loans & Debt Consolidation services can help relieve financial stress. Plus, don't forget about our Credit Cards with Rewards, which not only make everyday purchases easier but also reward you for using them.

Personal Banking

We understand that personal finance can be overwhelming. That's why our offerings start with Personal Banking, which includes checking and savings accounts designed for flexibility and ease. Imagine having your finances organized in one place, allowing you to manage your money effectively and set savings goals with confidence.

Visit Us Today!

Located at 3791 E Lohman Ave Las Cruces Nm 88011, we invite you to stop by or call us at (575) 526-4401 during our operating hours: Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. Discover how Firstlight can make your financial life simpler and more rewarding. Join us today!

Digital & Online Banking

Key Features

Our mobile application makes banking even more straightforward. You can make payments with ease through our mobile payments feature, ensuring that you never miss a beat when it comes to managing your expenses. If you're looking to send money quickly to friends or family, our person-to-person transfer option allows for quick and easy transactions without any hassle. Security is a top priority at Firstlight. We offer electronic signature authorization, making it simple and secure for you to sign documents digitally from the comfort of your home. Additionally, e-statements are available, allowing you to keep track of your finances without the clutter of paper statements. Managing your accounts has never been easier or more convenient! With our user-friendly interface and robust features, you'll find that staying on top of your financial health is simple and efficient. Join us at Firstlight today and experience the benefits of modern banking at your convenience!

Financial Strength

Growing Member Base

We currently manage a total of 200,203 share accounts, showing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments at $5,724,636, our members can feel confident knowing that their funds are being put to good use. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Firstlight is your trusted partner. Visit us at 3791 E Lohman Ave Las Cruces Nm 88011 or call (575) 526-4401 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $367,242,231 in share certificates and $254,089,726 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $250,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is highlighted by our $0, allowing us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 349 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Future Growth

With $156,226,779 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to support your financial goals is evident with $13,036 in used auto loans and $1,319,838,284 in total loans and leases.

Solid Financial Foundation

With a net worth of $160,060,041, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This commitment is reflected in our net worth ratio of $998, which demonstrates a solid capital foundation. This ensures we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $291,240,705 in used vehicle loans and $183,838,403 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates, making it easier for you to find the perfect financing solution for your next vehicle.

Business Loans

For business owners, our outstanding commercial loans totaling $371,473,765 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges, which is why we strive to provide tailored solutions to help you succeed.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $14,740,926, make buying or refinancing simple. We are committed to guiding you through the process and ensuring you have access to affordable financing options that suit your lifestyle.

Refinancing Options

If you're interested in refinancing any existing loans, we have options available that can potentially lower your monthly payments or reduce your interest rates. Our team is here to assist you in exploring these opportunities. Feel free to reach out to us at (575) 526-4401 or visit us at 3791 E Lohman Ave Las Cruces Nm 88011 in Las Cruces, NM for more information about our loan offerings. 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 look forward to helping you secure the financing you need!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $60,766,488 in loans helping members manage their finances effectively. Our credit cards come with features that reward responsible spending while providing peace of mind for unexpected expenses.

Loan Aggregator

Benefits of Using LendMesh

Verified Data: All loan offers come from legitimate financial institutions. This ensures that users are looking at genuine options rather than misleading or outdated information. No Sponsored Listings: Unlike many other comparison tools, LendMesh does not prioritize lenders based on paid promotions. Our goal is to provide unbiased results so you can make a decision based solely on what's best for your financial situation. Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions. This allows you to stay informed and make educated decisions regarding your loans. Thousands of users trust LendMesh for loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

FIRSTLIGHT FEDERAL CREDIT UNION