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

Introduction

Welcome to Firstlight, your trusted partner in financial success! Located at 3105 Del Rey Blvd, Las Cruces, NM 88012, our Del Rey Branch is dedicated to serving the needs of our vibrant community. Established in 1955, we have grown alongside our members, currently boasting a membership of over 100,000 individuals who rely on us for their banking needs. At Firstlight, we understand that financial stability is vital for you and your family. With total assets exceeding $1.59 billion and total deposits of $46,122,707, we are well-equipped to offer a wide range of services tailored just for you. Whether you're looking to purchase a new vehicle with our auto loans or planning for a dream home with our mortgage options, we've got you covered! Our commitment to excellent service is reflected not only in our financial strength but also in the personal touch we bring to banking. Under the leadership of CEO Margarita Salazar and Board President Joshua Orozco, our team of 351 employees works tirelessly to ensure your banking experience is smooth and rewarding. While members can visit us at our branch, official correspondence should be sent to the same address: 3105 Del Rey Blvd, Las Cruces, NM 88012. If you have any questions or need assistance, don't hesitate to call us at 575-526-4401. Join us today and discover how Firstlight can illuminate your financial journey! Visit our website at firstlightfcu.org or drop by our branch during lobby hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. We look forward to serving you!

Branch History & Mission

At Firstlight, our journey began in 1955 when we opened our doors to serve the vibrant community of Las Cruces, NM. Over the decades, we have grown alongside our members, transforming from a small credit union into a trusted financial partner for over 100,000 individuals. Our branch, located at 3105 Del Rey Blvd, Las Cruces, NM 88012, has become a cornerstone of support and service in the area. The location is easily accessible, allowing us to meet the needs of our community with dedication and care. Our mission is simple yet powerful: to provide exceptional financial services while uplifting our community. We believe that everyone deserves access to reliable banking options that empower them to achieve their dreams. Whether it's offering personal loans for unexpected expenses or providing mortgages for first-time homebuyers, we are committed to ensuring that financial resources are available to all. As we reflect on our history, we are proud of our achievements. With total assets exceeding $1.5 billion and a diverse membership base, Firstlight is well-equipped to offer a wide range of services from checking and savings accounts to auto loans and business banking solutions. Our commitment extends beyond numbers; it's about making a real difference in people's lives. We prioritize accessibility and convenience for our members. Our operating hours cater to busy schedules, with lobby hours Monday through Thursday from 9 AM to 5 PM and extended hours on Fridays until 6 PM. On Saturdays, we're open from 9 AM to 1 PM. Additionally, we provide video teller services for those who need assistance outside traditional hours. For those who prefer self-service options, our ATM availability ensures quick access to funds any time of day. We also feature drive-thru banking for simple transactions without leaving your vehicle a convenience that many of our members appreciate. While members can visit us at 3105 Del Rey Blvd, official correspondence should be sent to the same address if necessary. Our dedicated team is always ready to help with any inquiries you may have just give us a call at 575-526-4401. Community outreach is at the heart of what we do. We actively participate in local events and partnerships that foster growth and development within Las Cruces and surrounding areas. From educational workshops on financial literacy to sponsoring community events, Firstlight remains committed to being more than just a financial institution; we strive to be an integral part of the lives we touch. Join us at Firstlight and experience firsthand how we can assist you on your financial journey. Together, let's build a brighter future for you and your family!

Branch Location & Accessibility

Get in Touch

Have questions or need assistance? Feel free to reach out by calling us at 575-526-4401. We're here to help you navigate your financial journey with ease! We invite you to stop by and see how we can assist you today!

Operating Hours

Our dedicated team is here to serve you during the following hours: - Monday to Thursday: 9:00 AM - 5:00 PM - Friday: 9:00 AM - 6:00 PM - Saturday: 9:00 AM - 1:00 PM For those who prefer extended service, our video tellers are available from 8:00 AM to 8:00 PM on weekdays and from 9:00 AM to 3:00 PM on Saturdays.

Parking and Accessibility

We offer ample parking right outside our doors, making it easy for you to pop in for your banking needs. Our branch is fully ADA compliant, featuring ramps and accessible entrances to ensure everyone can visit us comfortably.

Services Offered

At Firstlight, we pride ourselves on providing a range of services tailored to meet your financial needs. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or mortgage financing, we've got you covered. We also offer basic drive-thru banking for quick deposits and withdrawals, as well as convenient ATM access for balance checks and cash withdrawals. While members can visit us at our branch location for all their banking needs, any official correspondence should be sent to the same address: 3105 Del Rey Blvd, Las Cruces, NM 88012.

Member Eligibility

At Firstlight, we believe that everyone deserves a chance to be part of a caring and supportive community. Joining us as a member is an exciting opportunity, and the eligibility requirements are straightforward and welcoming. If you live, work, or attend school in our service area, you're already on your way! We also extend membership to family members of current members, making it easy for loved ones to enjoy the benefits we offer. To learn more about the specific eligibility criteria, feel free to visit our detailed page. Once you've confirmed your eligibility, opening an account with us is simple and quick. We provide a variety of services designed to support your financial journey whether it's checking accounts, savings options, or loans tailored just for you. You can get started by visiting our account opening page at https://loans.firstlightfcu.org/products/portal. If you have any questions or need assistance along the way, don't hesitate to reach out at (575) 526-4401. We look forward to welcoming you into the Firstlight family at our branch located at 3105 Del Rey Blvd Las Cruces Nm 88012!

Business Banking & Commercial Services

At Firstlight, we understand that every business has its unique journey. Whether you're a startup dreaming big or an established company looking to expand, our business banking and commercial services are designed to support your ambitions. Imagine needing funds to purchase new equipment that will double your production capacity. With our tailored commercial loans, you can access the capital necessary to make that vision a reality. 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. In addition to loans, we offer robust merchant services. Picture this: You run a busy café and need a fast way for customers to pay. Our merchant services provide easy payment solutions that keep your lines moving and customers happy. If you're looking for personalized financial support, visit us at 3105 Del Rey Blvd Las Cruces Nm 88012 in Las Cruces, NM or call us at (575) 526-4401. Let's work together to fuel your business success!

Comprehensive List Of Services

Business Banking Services

For our business members, we offer comprehensive business banking services including merchant services and business loans. If you're an entrepreneur aiming to grow your business, having the right financial partner can make all the difference.

Convenient Digital Banking Features

At Firstlight, convenience is key. With our online and mobile banking platforms, managing your finances has never been easier. You can access your accounts anytime, anywhere whether it's checking balances or making transfers on-the-go. Our ATM services allow for easy cash withdrawals whenever you need them. Plus, our basic drive-thru banking ensures that quick transactions like deposits and withdrawals are hassle-free.

Credit Options That Reward You

Looking for a credit card? Our credit cards with rewards provide benefits that enhance your spending power while rewarding you for everyday purchases. It's not just about having a card; it's about getting more from it.

Get Started Today!

Whether you're looking for personal banking options or business solutions, Firstlight in Las Cruces is here for you! Feel free to call us at 575-526-4401 if you have any questions or would like assistance. Join us today and experience how we can help make your financial journey smoother!

Home Financing Made Easy

Are you considering buying a home? Our mortgage loans and refinancing services are designed to help you navigate the housing market confidently. Picture yourself settling into a home that suits your family perfectly, all while enjoying competitive rates and personalized service. If you're dealing with personal debts, our personal loans and debt consolidation solutions can help simplify your financial life. We work with you to create a plan that fits your budget and helps reduce stress.

Personal Banking Solutions

We understand that managing your finances is important. That's why we offer personal banking options like checking and savings accounts tailored to fit your lifestyle. Whether you're saving for a rainy day or planning a big purchase, our accounts provide easy access and flexibility. When it comes to financing your next vehicle, our auto loans and vehicle financing options can make the process smooth and straightforward. Imagine driving off in your dream car without the stress of complicated loan terms. We ensure that our lending processes are transparent, so you know exactly what to expect.

Digital & Online Banking

Key Features of Our Digital Banking Services

Whether you want to check your balance, pay bills, or transfer money, our online banking platform makes it simple. You can enjoy the convenience of E-Statements, allowing you to receive your account statements electronically no more paper clutter! Plus, with Electronic Signature Authorization, signing documents is quick and secure. Our mobile application enhances your banking experience even further. Not only can you manage your accounts on-the-go, but you can also take advantage of our Mobile Payments feature. Imagine paying for groceries or splitting a dinner bill with friends using just your smartphone it's that easy! And if you need to send money to someone quickly, our Person-to-Person Transfers are just a few taps away.

Security and Accessibility

Your security is our priority. We employ robust measures to keep your personal information safe while ensuring that accessing your accounts remains user-friendly. With real-time account management available through our online banking system, you'll always know where your money is and how it's working for you. In today's fast-paced world, having reliable digital banking tools at your fingertips makes all the difference. At Firstlight, we're committed to providing services that not only meet your needs but also give you peace of mind. Join us today and experience the convenience of modern banking!

Financial Strength

Growing Trust

We currently manage a robust member base with 200,203, showing the trust placed in us by the community. Our net shares available for lending and investments stand at $5,724,636, reinforcing our ability to support you financially. In conclusion, 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 3105 Del Rey Blvd Las Cruces Nm 88012 or call (575) 526-4401 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.*

Member-Focused Resources

Your savings are secure with us. We have $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 reflected in our $2,897,725, which enables us to continue offering competitive loan rates and solid financial products for our members. We pride ourselves on having 349 full-time employees and 2 part-time employees who are dedicated to serving you with knowledge and care.

Reinvestment for Growth

Our commitment to your financial future is evident in our $156,226,779 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $13,036 in used auto loans and $1,319,838,284 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Strong Financial Health

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. Our net worth ratio of 9.98% demonstrates a solid capital foundation, ensuring that 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 to ensure you can drive away with confidence.

Business Loans

For business owners, our outstanding commercial loans totaling $371,473,765 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses and are here 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 guide you through the process, offering support every step of the way.

Refinancing Options

If you're considering refinancing any existing loans, our team can assist you with tailored options that fit your financial situation. We strive to make refinancing accessible and beneficial for all our members. Our commitment at Firstlight is to empower you with the right financial tools. For more information or to start your application, call us at (575) 526-4401 or visit our website at https://www.firstlightfcu.org/. Remember, 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 achieve your financial dreams!

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. This option is ideal for those looking to consolidate debt or cover everyday expenses without collateral.

Loan Aggregator

Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that you are presented with fair and transparent offers. By relying on verified institutions, LendMesh maintains a high standard of accuracy in its loan comparisons.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in the information provided. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that truly reflect the market. - Real-Time Rate Comparisons: Enjoy up-to-date loan rates from multiple institutions, empowering you to make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the effectiveness and reliability of the tool. 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 - Las Cruces, NM

Type of Loan Offerings

Personal Loans

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Loan rates in Las Cruces, NM (88012)