FirstLight Credit Union El Paso TX | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Firstlight, your trusted financial partner in the heart of El Paso! Located at 5050 N Desert Blvd, El Paso, TX 79912, our North Desert Branch has been serving the community since 1955. With a strong commitment to our members and an impressive total membership of 100,989, we pride ourselves on providing exceptional service and support tailored to meet your financial needs. As a member-focused credit union, we have grown significantly over the years, now boasting total assets of $1,599,326,350 and total deposits of $46,122,707. Our dedicated team of 351 employees, led by CEO Margarita Salazar and Board President Joshua Orozco, is here to ensure that you receive personalized attention every time you visit or call us at 915-562-1172. At Firstlight, we offer a wide range of services including personal banking, auto loans, mortgages, and business banking options. With total loans amounting to 51,756, we are committed to helping you achieve your financial goals. Our net worth stands strong at $160,060,041, reflecting our stability and dedication to responsible growth. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 5050 N Desert Blvd, El Paso, TX 79912. Discover how we can help you reach your financial aspirations today! Visit our website at firstlightfcu.org or stop by our branch. We look forward to welcoming you into the Firstlight family!

Branch History & Mission

Community Engagement

Firstlight is more than just a financial institution; we are part of this vibrant community. We actively participate in local outreach programs and partnerships aimed at supporting education and financial literacy among residents. Our team works tirelessly to create opportunities that uplift those around us. While members can visit us at 5050 N Desert Blvd for all their banking needs, official correspondence should be sent to the same address as our mailing address: 5050 N Desert Blvd, El Paso, TX 79912.

Join Us

As we continue to grow and adapt to the changing landscape of finance, we invite you to become part of the Firstlight family. Experience firsthand how we prioritize your financial needs while contributing positively to the community. Whether you're looking for personal or business banking solutions, we're here to help you thrive. Contact us today at 915-562-1172 or visit us online at Firstlight for more information on how you can join us on this journey towards a brighter financial future!

Our Evolution

Since opening our doors, Firstlight has seen significant milestones that reflect our commitment to innovation and service. We have embraced digital advancements to make banking more accessible for everyone. Today, we offer online and mobile banking, enabling members to manage their finances conveniently from anywhere. Our drive-thru service provides quick access for those on the go, while our ATM availability ensures cash withdrawal is just around the corner. Our mission at Firstlight is simple yet profound: to enhance the financial well-being of our members while fostering community growth. We believe in putting people first, offering a range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions tailored to meet individual needs.

Branch Location & Accessibility

Easy Access and Comfort

At Firstlight, we understand that accessibility is key. Our branch features ADA-compliant entrances and ramps, ensuring everyone can visit us without hassle. We also have ample parking available so that you can easily find a spot when you arrive. Plus, if you're in a hurry, our drive-thru service allows you to conduct simple transactions without leaving your vehicle.

Operating Hours That Work for You

We know that life can be busy, which is why we offer flexible hours to fit your schedule. Our lobby is open Monday through Thursday from 9:00 AM to 5:00 PM, and on Fridays, we're here until 6:00 PM. Need to stop by on Saturday? We're open from 9:00 AM to 1:00 PM. Whether you're looking to open an account or need assistance with loans or deposits, our friendly staff is ready to help during these hours.

Services Tailored for You

Firstlight offers a variety of services including personal banking, auto loans, mortgage refinancing, and credit cards with rewards. We also have ATM availability for quick cash withdrawals and balance checks. If you're interested in business banking options like merchant services and business loans, we've got you covered there too! While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 5050 N Desert Blvd, El Paso, TX 79912. If you have any questions or need assistance, don't hesitate to give us a call at 915-562-1172. We look forward to seeing you at Firstlight!

Member Eligibility

At Firstlight, we believe in creating a welcoming community where everyone can thrive together. If you're looking to join our family, becoming a member is both simple and fulfilling! We proudly serve individuals who live, work, worship, or attend school in the El Paso area. This means that if you're part of our vibrant community, you're already eligible to enjoy all the benefits we offer. Whether you're seeking personal banking services, loans, or financial guidance, Firstlight is here to support you every step of the way. To kickstart your journey with us, opening an account is straightforward. Just visit us at our branch located at 5050 N Desert Blvd El Paso Tx 79912 or check out the details on how to open an account online through this link: https://loans.firstlightfcu.org/products/portal . If you have any questions or need assistance, feel free to reach out at (915) 562-1172. For more information on eligibility criteria, please refer to our website at . We're excited to welcome you into our community!

Business Banking & Commercial Services

At Firstlight, we understand that every business has its own unique journey. Whether you're starting a new venture or looking to expand an established company, our business banking and commercial services are designed to support your growth. Imagine having access to the capital you need to purchase new equipment or hire additional staff. With our commitment to supporting businesses, we've funded over $591 in commercial loans for our members, helping them scale and succeed. We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. For those looking to streamline operations, our merchant services can help you accept payments quickly and securely, making transactions easier for both you and your customers. With an outstanding commercial loan portfolio of $371,473,765, we continue to drive economic growth by financing new and expanding businesses right here in El Paso, TX. Ready to take your business to the next level? Visit us at 5050 N Desert Blvd El Paso Tx 79912 or call us at (915) 562-1172 to learn more about how we can assist you!

Comprehensive List Of Services

Accessibility

At Firstlight, we value accessibility for all members. Our branch hours are designed for your convenience: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. If you ever have questions or need assistance, don't hesitate to call us at 915-562-1172. We invite you to explore these services further on our website Firstlight or visit us in person at our El Paso branch. Let us help you achieve your financial goals today!

Business Services

For entrepreneurs and small business owners, we provide comprehensive business banking solutions, including merchant services and business loans that help fuel your growth. Our goal is to empower local businesses by offering tools tailored to their unique needs.

Digital Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. From making deposits to transferring funds or checking balances, everything is just a tap away! Additionally, our ATM services ensure that accessing cash is simple. Whether you're withdrawing funds or checking your balance, you can do so quickly through our ATMs and drive-thru banking services.

Home Financing

Thinking about buying a home? Our mortgage loans and refinancing options are designed to help you secure the best rates possible. We'll guide you through each step of the process, ensuring you feel confident in your decisions.

Loans and Credit Options

Life can sometimes throw unexpected expenses your way. With our personal loans and debt consolidation options, you can find relief from financial stress and regain control over your budget. Plus, our credit cards with rewards offer great benefits for everyday purchases it's like earning money back while spending!

Personal Banking

We understand that managing your finances can be overwhelming at times. That's why we offer personal banking options like checking and savings accounts that fit your lifestyle. If you're planning a road trip or need a reliable vehicle for work, our auto loans and vehicle financing services make it easy to get on the road without breaking the bank.

Digital & Online Banking

Key Features

We provide a suite of features tailored to enhance your banking experience. If you prefer paperless transactions, take advantage of our E-Statements, which offer a secure way to access your account statements online. Plus, with Electronic Signature Authorization, you can sign documents digitally, saving time without compromising security. For those who love using their smartphones, our mobile application puts the power of banking in your pocket. You can make mobile payments easily, allowing you to pay for goods and services directly from your account. Additionally, our person-to-person transfers feature lets you send money to friends or family instantly no cash needed!

Secure and Accessible

Security is a top priority at Firstlight. We utilize advanced encryption technologies to keep your information safe while providing easy access to your accounts. Our digital banking tools are designed to be both accessible and straightforward so that everyone can enjoy the benefits without feeling overwhelmed. In summary, our digital and online banking services at Firstlight combine convenience with robust security measures. With options like mobile payments, electronic signatures, and around-the-clock access, managing your finances has never been more streamlined. Visit us today at https://www.firstlightfcu.org/ and experience the ease of modern banking!

Financial Strength

Growing Together

Total Share and Deposit Accounts stand at 200,203, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $5,724,636, further illustrating our capacity to support your financial needs. 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 5050 N Desert Blvd El Paso Tx 79912 or call (915) 562-1172 to learn more about how we can help you achieve your financial goals.

Investment in Our Community

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 commitment to lending is evident with $13,036 in used auto loans and $1,319,838,284 in total loans and leases, supporting your financial goals across various sectors.

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 $0 reflects our operational efficiency, enabling 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.

Our 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 $998 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, making it easier than ever to drive home in the car of your choice.

Business Financing

For business owners, our outstanding commercial loans totaling $371,473,765 provide the capital needed to grow and expand your operations. Whether you're starting a new venture or upgrading equipment, our business loan options are crafted to support your entrepreneurial dreams. Our commitment extends beyond just offering loans; we ensure you have access to refinancing options as well. If you find yourself needing better terms on existing loans or credit lines, our team is here to discuss eligibility and solutions tailored for you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Ready to take the next step? Contact us at (915) 562-1172 or visit us at 5050 N Desert Blvd El Paso Tx 79912 in El Paso, TX. Let's work together toward achieving your financial goals!

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 attractive rewards and benefits designed to enhance your spending experience.

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 offer various plans tailored to fit your unique situation, whether you're a first-time buyer or looking to refinance an existing mortgage.

Loan Aggregator

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FIRSTLIGHT FEDERAL CREDIT UNION