FirstLight Credit Union El Paso TX | Affordable Auto Loans & Business Banking

Introduction

Welcome to Firstlight, your trusted partner in financial growth and community support. Located at 9983 Kenworthy St, El Paso, TX 79924, we have been proudly serving our members since 1955. With a strong commitment to fostering financial wellness, we currently boast a vibrant membership of 100,989 individuals who rely on us for their banking needs. At Firstlight, our total assets exceed an impressive $1.59 billion, reflecting our stability and dedication to the community. We manage over $46 million in deposits, ensuring that your money is safe and working hard for you. Our leadership team, guided by CEO Margarita Salazar and Board President Joshua Orozco, is committed to providing personalized service and innovative financial solutions tailored to meet the diverse needs of our members. We offer a variety of services including personal banking, auto loans, mortgage loans, credit cards with rewards, and business banking options. Whether you're looking to save for the future or finance a new vehicle, Firstlight is here to help every step of the way. Our financial professionals are dedicated to making your experience as smooth as possible. While members can visit us at 9983 Kenworthy St, official correspondence should be sent to the same address for your convenience. Should you have any questions or need assistance, don't hesitate to reach out to us at (915) 562-1172. Explore our website at firstlightfcu.org for more information about our offerings or stop by to see how we can help you achieve your financial goals today!

Branch History & Mission

Continuous Improvement

As we move forward into the digital age, we remain dedicated to making banking easier and more accessible for everyone. We have embraced technology with features like online banking, mobile payments, and electronic statements all designed with your convenience in mind. Our facilities are ADA compliant, ensuring that everyone can access our services without barriers. We invite you to join Firstlight and experience firsthand the difference of being part of a credit union that truly cares about its members. With operating hours from Monday through Friday 9:00 AM to 5:00 PM and Saturday 9:00 AM to 1:00 PM, we're here for you when you need us most. Together, let's build a brighter future because at Firstlight, your success is our mission! For any inquiries or assistance, feel free to call us at 915-562-1172 or visit our website at firstlightfcu.org. Join us today and become part of something special!

Our Mission

At Firstlight, our mission is simple yet impactful: to empower our members through comprehensive financial solutions while fostering a strong sense of community. We offer a range of services including personal banking, auto loans, mortgage loans, business banking options, and convenient online and mobile banking features. We understand that every member's needs are unique, so we strive to provide personalized service that helps them achieve their financial goals. Our commitment extends beyond just banking. We actively engage in community outreach programs and partnerships aimed at enhancing the quality of life for those around us. Whether it's supporting local events or providing financial education workshops, we believe in giving back to the community that has supported us throughout our journey.

Branch Location & Accessibility

Convenient Access

At Firstlight, we prioritize accessibility for all members. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can comfortably visit us. Plus, there's ample parking available right outside, making your trip to the bank as smooth as possible.

Get in Touch

If you have any questions or need assistance before visiting us, don't hesitate to give us a call at 915-562-1172. We're always happy to help! Come by our Firstlight branch today and discover how we can support your financial journey.

Operating Hours

We understand that life can be busy, which is why we offer convenient hours to fit your schedule. Our lobby is open Monday through Friday from 9:00 AM to 5:00 PM and on Saturday from 9:00 AM to 1:00 PM. Whether you need assistance with your personal banking needs or want to discuss financing options for a new vehicle or home, our dedicated team is here to help during these hours.

Services Offered

While you're here, take advantage of our wide range of services tailored just for you. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Our credit cards come with rewards that make spending more enjoyable. Plus, our online and mobile banking options mean you can manage your finances anytime, anywhere.

Member Eligibility

At Firstlight, we believe that everyone deserves a chance to be part of a supportive financial community. Joining us is simple and welcoming! If you live, work, or worship in the El Paso area, you're likely eligible to become a member. We pride ourselves on serving a diverse group of people, ensuring that our membership reflects the vibrant community around us. By becoming a member at Firstlight, you gain access to personalized financial services tailored just for you, from checking and savings accounts to auto loans and credit cards with rewards. To get started on your journey with us, simply visit our website for more details on eligibility criteria. You'll find everything you need to know about joining our family. If you're ready to open an account, the process is easy just head over to https://loans.firstlightfcu.org/products/portal. Should you have any questions along the way, don't hesitate to give us a call at (915) 562-1172. We're here to help you every step of the way!

Business Banking & Commercial Services

Financing Your Business Dreams

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 these funds, local entrepreneurs have been able to hire new staff, expand their operations, and invest in the latest technology. - With an outstanding commercial loan portfolio of $371,473,765, we continue to drive economic growth by financing new and expanding businesses.

Simplifying Payments

In addition to loans, we offer merchant services that make handling transactions easy. Imagine being able to accept payments from customers effortlessly, whether they're shopping online or visiting your store. Our services help you streamline your operations, allowing you to focus on what matters most growing your business. Located at 9983 Kenworthy St El Paso Tx 79924 in El Paso, TX, we're here to provide the support you need. If you're looking for a banking partner that truly cares about your success, give us a call at (915) 562-1172 or visit us today!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options make it easier than ever. With competitive rates and flexible terms, we strive to provide financing solutions that match your budget. Picture yourself driving away in the car of your dreams without the stress of complicated loan processes.

Business Banking

If you're a business owner, our business banking services are tailored just for you. We offer everything from merchant services that simplify transactions to various types of business loans that help fund growth initiatives. We understand that every business is unique, which is why we customize our offerings to best support your specific needs.

Convenient Access

In today's fast-paced world, convenience matters. Our branch provides essential services like ATM and cash withdrawal services, although please note that currently we do not have ATMs on-site. However, our online tools allow you to manage your accounts swiftly from wherever you are. At Firstlight, we are committed to making banking easy and accessible for everyone in El Paso. With dedicated hours from Monday to Friday (9:00 AM - 5:00 PM) and Saturdays (9:00 AM - 1:00 PM), we're here when you need us most. For any questions or assistance regarding our services, don't hesitate to reach out at 915-562-1172. We invite you to explore what Firstlight has to offer by visiting us or checking out our website at firstlightfcu.org. Your financial journey starts here!

Credit Cards with Rewards

Managing expenses while earning rewards has never been easier with our credit cards with rewards program. Enjoy benefits that add value to your everyday purchases! Whether it's cash back or travel points, you can make the most out of each transaction while building credit responsibly.

Mortgage Loans & Refinancing

Home ownership is one of life's biggest milestones, and at Firstlight, we offer comprehensive mortgage loans and refinancing options to support you on this journey. Our knowledgeable staff will guide you through every step from securing your mortgage to refinancing when you're ready for a change. We aim to make home buying as straightforward as possible.

Personal Banking

Our personal banking services are designed with you in mind. From checking and savings accounts that fit your lifestyle to options for personal loans and debt consolidation, we ensure you have the tools necessary for effective money management. Imagine having easy access to your funds through our online and mobile banking platforms. This means you can check your balance or transfer money anytime, anywhere perfect for busy lifestyles.

Digital & Online Banking

Key Services

Our online banking platform is available 24/7 at https://www.firstlightfcu.org/, giving you round-the-clock access to your financial information. Whether you're checking your balance or reviewing recent transactions, everything you need is right at your fingertips. Plus, with electronic signature authorization available, you can complete important transactions securely and efficiently without the need for paper forms. Do you prefer to receive your statements electronically? We've got you covered! Our e-statements feature allows you to go paperless, helping both the environment and your inbox. You'll get all the details you need without clutter. For those who love using their smartphones, our mobile application makes banking even more accessible. You can manage your accounts on-the-go, make mobile payments easily, and send money to friends or family with our person-to-person transfer feature. It's never been simpler to handle your finances wherever life takes you.

Security & Ease of Use

Security is essential in today's digital world, and we take it seriously. At Firstlight, our online services come equipped with robust security measures to protect your personal information. We prioritize user-friendliness too our platform is designed so that anyone can navigate it comfortably, regardless of their tech skills. In summary, whether it's through our website or mobile app, digital banking at Firstlight offers an easy way to manage your finances securely and conveniently. Join us today and experience the ease of online banking!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 200,203, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $5,724,636. 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 9983 Kenworthy St El Paso Tx 79924 or call (915) 562-1172 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-Centric Approach

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 $2,897,725 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.

Reinvestment for 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 lending capacity supports members' financial goals across various sectors with $13,036 in used auto loans and $1,319,838,284 in total loans and leases.

Solid 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

Additional Options

In addition to these offerings, we have various refinancing options available if you're looking to lower your monthly payments or consolidate debt. Our team is here to assess your eligibility and guide you through the process. For more information about our loan products or to discuss how we can assist you further, feel free to reach out at (915) 562-1172 or visit us at our branch located at 9983 Kenworthy St El Paso Tx 79924 in El Paso, TX. We're here for you Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let's work together toward achieving your financial aspirations!

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. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have options that can work for you.

Business Loans

For business owners, our outstanding commercial loans totaling $371,473,765 provide the capital needed to grow and expand. We are committed to supporting local businesses with financial solutions that are both accessible and beneficial.

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 strive to offer straightforward processes and guidance every step of the way so that you can secure your dream home without unnecessary stress.

Unsecured Credit Card Loans

Managing daily expenses can be challenging, which is why 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 provide convenience along with rewards for your spending.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed to help you navigate the lending landscape with ease and confidence. LendMesh ensures accurate loan comparisons by sourcing data 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 commitment to using verified data means you can trust that the loan offers presented are both fair and transparent. One of the standout features of LendMesh is its emphasis on verified data. All loan offers are sourced from legitimate financial institutions, ensuring that you receive reliable information. Additionally, LendMesh does not prioritize lenders based on paid promotions there are no sponsored listings. This approach guarantees that users see unbiased results, allowing for a more straightforward comparison. With real-time rate comparisons, LendMesh provides up-to-date loan rates from multiple institutions. This feature helps users make informed decisions quickly. Thousands of users have already benefited from this service. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" If you're looking for the best loan rates available, 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 - El Paso, TX

Type of Loan Offerings

Personal Loans

Compare Loan Rates Near You

Loan rates in El Paso, TX (79924)

Introduction

Branch History & Mission

Continuous Improvement

Our Mission

Branch Location & Accessibility

Convenient Access

Get in Touch

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Financing Your Business Dreams

Simplifying Payments

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Business Banking

Convenient Access

Credit Cards with Rewards

Mortgage Loans & Refinancing

Personal Banking

Digital & Online Banking

Key Services

Security & Ease of Use

Financial Strength

Growing Member Base

Member-Centric Approach

Operational Efficiency

Reinvestment for Growth

Solid Financial Health

Loan Offering

Additional Options

Auto Loans

Business Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

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