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

Introduction

Welcome to Firstlight, your trusted credit union located at 2200 N Zaragoza Rd, El Paso, TX 79938. Established in 1955, we have proudly served our community for decades, building strong relationships with our 100,989 members. At Firstlight, we believe that financial services should be accessible and tailored to fit your needs, whether you are looking for personal banking solutions or business financing options. Our commitment to providing exceptional service is reflected in our impressive financial standing. With total assets of $1,599,326,350 and deposits totaling $46,122,707, we strive to ensure your money is safe and working hard for you. Our dedicated team of 351 employees, led by CEO Margarita Salazar and Board President Joshua Orozco, is here to help you navigate your financial journey. While members can visit us at our branch location, official correspondence should be sent to the same address: 2200 N Zaragoza Rd, El Paso, TX 79938. We offer a wide range of services including checking and savings accounts, auto loans, mortgage refinancing, and business banking options tailored to meet the unique needs of our members. With a total loan balance of 51,756 loans and leases and a robust net worth of $160,060,041, we are well-positioned to support your financial goals. Whether you need assistance with personal loans or credit cards with rewards, Firstlight is here for you every step of the way. We invite you to explore all that Firstlight has to offer by visiting our website at https://www.firstlightfcu.org or giving us a call at 915-562-1172. Experience the difference of banking with a credit union that puts its members first!

Branch History & Mission

A Legacy of Growth and Service

Since opening our doors nearly seven decades ago, Firstlight has remained focused on providing personalized financial services that truly meet the needs of our members. Over the years, we have expanded our offerings to include personal banking, auto loans, mortgages, business banking, and more. Each milestone reflects our mission to empower individuals and families to achieve their financial goals. Our branch is not just a place for transactions; it's a hub for community engagement. We understand that financial education is key to success. That's why we actively host workshops and seminars designed to equip our members with the knowledge they need to make informed decisions about their finances.

Community Engagement

As part of our commitment to the El Paso area, Firstlight actively engages in outreach programs and partnerships that uplift those around us. From sponsoring local events to participating in charitable initiatives, we strive to give back to the community that supports us. We invite you to join Firstlight and become part of something greater than just a credit union. Experience the difference of being part of an organization that values people over profits. Whether you're looking for personal loans or want to open a savings account with competitive rates, we are here for you every step of the way. To learn more about what we offer or how you can become a member today, please call us at 915-562-1172 or visit our website. We look forward to serving you!

Our Mission

At Firstlight, our mission goes beyond just providing financial services. We are dedicated to enhancing the lives of our members by fostering a culture of trust and support. We believe in making banking accessible to everyone offering ADA-compliant facilities, mobile payments, online banking options, and more. Every initiative we undertake aims at ensuring convenience and inclusivity for all. While you can visit us at our physical location for any banking needs or inquiries 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 you can also rely on our video tellers for extended service hours.

Branch Location & Accessibility

Banking Services at Your Fingertips

At Firstlight, we offer a wide range of services tailored just for you. From personal checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Additionally, with ATM availability on-site and simple drive-thru banking options for routine transactions, managing your finances has never been easier. While members can visit us at the branch address mentioned above for all their needs, please note that official correspondence should be sent to the same address: 2200 N Zaragoza Rd, El Paso, TX 79938. We invite you to come experience the Firstlight difference! For any questions or assistance, feel free to give us a call at (915) 562-1172. We look forward to seeing you soon!

Convenient Access and Features

At Firstlight, we understand that accessibility is important. Our branch is equipped with features such as ADA-compliant ramps, ensuring that everyone can visit us comfortably. We also offer ample parking space, making it easy for you to stop by without any hassle. If you need to conduct your banking business outside of regular hours, you'll appreciate our drive-thru services. Whether you're making deposits or withdrawals, our drive-thru allows for quick and efficient transactions without having to leave your car.

Operating Hours

We know that life can get busy, so we've made it easy for you to visit us during convenient hours. Our lobby is open Monday through Thursday from 9 AM to 5 PM, Fridays from 9 AM to 6 PM, and Saturdays from 9 AM to 1 PM. If you're looking for extended service options, our video tellers are available Monday through Friday from 8 AM to 8 PM and on Saturdays from 9 AM to 3 PM.

Member Eligibility

Joining the Firstlight community means becoming part of a supportive family that truly cares about your financial well-being. If you live, work, or worship in the El Paso area, you're likely eligible to become a member! This inclusive approach is designed to welcome individuals from various walks of life, ensuring everyone has access to our fantastic range of services. Being a member at Firstlight not only opens doors to personalized banking experiences but also connects you with competitive rates on loans and savings accounts, plus valuable financial resources tailored just for you. Getting started is simple! To learn more about the eligibility criteria, you can visit our website. Once you're ready to take the next step, opening an account is just a click away through this link: https://loans.firstlightfcu.org/products/portal. If you have any questions or need assistance, feel free to call us at (915) 562-1172. We're here to help you every step of the way!

Business Banking & Commercial Services

Financing Your Vision

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.

Merchant Services That Make Sense

Imagine having the tools to manage transactions effortlessly. Our merchant services are designed with your convenience in mind, enabling you to accept payments easily, whether in-store or online. This allows you to focus on what you do best running your business. Located conveniently at 2200 N Zaragoza Rd El Paso Tx 79938, El Paso, TX, Firstlight is here to provide the support and resources you need. Let's work together to turn your business goals into reality! For more information, call us at (915) 562-1172 or visit our website here.

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash or want to make a quick deposit? Our ATM services are available for withdrawals and balance checks. Additionally, our basic drive-thru banking allows for hassle-free deposits and withdrawals without leaving your car. At Firstlight, we strive to make banking easy and accessible for everyone in El Paso. If you have questions about any of our services or want to learn more about how we can assist you, please don't hesitate to reach out at 915-562-1172. We're here to support your financial journey!

Business Banking

For small business owners, we offer comprehensive business banking services that include merchant services and business loans. Whether you're just starting out or looking to expand, we have the resources you need to succeed.

Digital Banking Features

In today's fast-paced world, convenience is key. Our online and mobile banking platforms allow you to manage your accounts anytime, anywhere. With features like mobile payments and person-to-person transfers, accessing your funds has never been easier.

Loans and Credit Cards

If you're facing unexpected expenses or planning a big project, our personal loans and debt consolidation services provide flexible options to fit your budget. Plus, don't forget about our credit cards with rewards perfect for earning points while you spend!

Personal Banking

We understand that managing your finances can sometimes feel overwhelming. That's why our personal banking services include checking and savings accounts designed for everyday use. Need to make a large purchase? Our auto loans and vehicle financing options can help get you on the road in no time. We also offer mortgage loans and refinancing solutions, making home ownership more accessible for our members.

Digital & Online Banking

Key Features

Imagine having the power to check your account balance, pay bills, or transfer money right from your smartphone or computer. Our 24/7 online banking services allow you to do just that. You can easily access your accounts anytime, ensuring you're always in control of your finances. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick, so you can handle transactions without the hassle of cash. Plus, with our mobile payments option, you can make purchases directly from your phone, adding another layer of convenience to your daily life.

Security and Ease of Use

Your security is our top priority. We provide electronic signature authorization for added safety when handling important documents online. And with e-statements available, you can go paperless while keeping your financial information secure and organized. For those who prefer managing their accounts on-the-go, our mobile application is user-friendly and packed with features to make banking straightforward. You can view statements, make deposits, and even set up alerts all from the palm of your hand. In summary, Firstlight offers a comprehensive suite of digital banking tools that enhance accessibility and simplify real-time account management. Experience the future of banking today by visiting us at https://www.firstlightfcu.org/!

Financial Strength

At Firstlight, 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 are proud to share that our financial strength is backed by solid metrics that demonstrate our commitment to serving you with reliability and trust. 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 robust foundation is critical in ensuring we can support your needs, whether you're saving for the future or seeking a loan today. Our net worth ratio of 9.98% showcases a solid capital base, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This level of assurance reflects our dedication to maintaining a stable environment for all our members. 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. We prioritize your interests above all; hence, with non-member deposits at $250,000, we focus our resources on benefiting you through better loan rates, lower fees, and exclusive perks. 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 your financial goals with $13,036 in used auto loans and $1,319,838,284 in total loans and leases. 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. Additionally, we 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. Net Shares available for lending stand at $5,724,636, further enhancing our ability to meet your needs. With a growing member base of 200,203, it's clear that more individuals trust us with their finances every day. 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 2200 N Zaragoza Rd El Paso Tx 79938 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.

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 make your vehicle purchase as affordable as possible.

Credit Lines

Need additional flexibility? Our total credit lines amounting to $502,374,660 offer members access to funds when they need it most. This is ideal for unexpected expenses or planned purchases where you want more control over your cash flow. If you're considering refinancing options, we can help evaluate your current situation and see how our products can benefit you. At Firstlight, we prioritize transparency and member satisfaction. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our loan offerings today and see how we can support your financial journey!

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. Whether you are purchasing your first home or looking to refinance an existing loan, our knowledgeable staff is here to guide you through every step of the process.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. 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 provides the freedom to make purchases while keeping your budget in check.

Loan Aggregator

Accurate Loan Comparisons

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Benefits of Using LendMesh

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FIRSTLIGHT FEDERAL CREDIT UNION - El Paso, TX

Type of Loan Offerings

Personal Loans

Compare Loan Rates Near You

Loan rates in El Paso, TX (79938)