Credit union · NCUA insured
FirstLight Federal Credit Union CD Rates
FirstLight Federal Credit Union’s best CD rate is 4.15% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How FirstLight Federal Credit Union’s CD rates compare
Compared with banks and credit unions near El Paso, TX, where FirstLight Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
FirstLight Federal Credit Union
4.05%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $826
Share Certificate
Top rate
Raiz
4.44%APY
- Term
- 12 months
- Minimum
- $25
- Earns on $10,000
- $444
2nd-highest rate
GECU
4.44%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $444
FirstLight Federal Credit Union CD score
86
CD score
Higher than 75% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo3.55%
- QualifiedQualified4.05%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where FirstLight Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 4.05%APY · 9 terms
Membership eligibility applies. Federally insured by NCUA. Rates subject to change without notice. Early withdrawal penalties apply. Fees may reduce earnings.
| Term | APY · $500 – $24,999 | APY · $25,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsTerm is 91 days | 3.05% | 3.10% | 3.15% | 3.05%3.10% $25k–$100k3.15% from $100k | $76 |
| 6 months | 3.80% | 3.85% | 3.90% | 3.80%3.85% $25k–$100k3.90% from $100k | $188 |
| 12 months | 3.90% | 3.95% | 4.00% | 3.90%3.95% $25k–$100k4.00% from $100k | $390 |
| 18 months | 3.75% | 3.80% | 3.85% | 3.75%3.80% $25k–$100k3.85% from $100k | $568 |
| 24 months | 4.05% | 4.09% | — | 4.05%4.09% $25k–$100k | $826 |
| 24 months2 year Changeable (Bump Up) certificate. Allows a one-time rate bump during the 2-year term | 3.45% | 3.50% | 3.55% | 3.45%3.50% $25k–$100k3.55% from $100k | $702 |
| 24 monthsLimited-time promotion on a 2-year share certificate with a $100,000 minimum deposit | — | — | 4.15% | —4.15% from $100k | — |
| 30 monthsDoes not apply to Individual Retirement Accounts | 3.40% | 3.45% | 3.50% | 3.40%3.45% $25k–$100k3.50% from $100k | $872 |
| 36 months | 3.40% | 3.45% | 3.50% | 3.40%3.45% $25k–$100k3.50% from $100k | $1,055 |
| 48 months | 3.30% | 3.35% | 3.40% | 3.30%3.35% $25k–$100k3.40% from $100k | $1,387 |
| 60 months | 3.55% | 3.60% | 3.65% | 3.55%3.60% $25k–$100k3.65% from $100k | $1,906 |
Sources (3)
- firstlightfcu.org/rates/savings-rates.html
- firstlightfcu.org/spend-and-sa…gs/savings-accounts.html
- firstlightfcu.org/rates.html
All captured Oct 16, 2026
Dream Builder Share Certificate
Up to 3.15%APY · 3 terms
Requires timely monthly deposits/periodic payments. Failure to make 3 timely deposits/periodic payments will result in certificate termination and possible early withdrawal penalty, with principal balance transferred into a share account. Does not apply to business accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRequires timely monthly deposits/periodic payments | 3.15% | $315 |
| 24 monthsRequires timely monthly deposits/periodic payments | 3.00% | $609 |
| 36 monthsRequires timely monthly deposits/periodic payments | 2.40% | $737 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Share Certificate
Up to 4.05%APY · 8 terms
Membership eligibility applies. Federally insured by NCUA. Rates subject to change without notice. Early withdrawal penalties apply. Note: 30-month certificate rate does not apply to Individual Retirement Accounts.
| Term | APY · $500 – $24,999 | APY · $25,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsTerm is 91 days | 3.05% | 3.10% | 3.15% | 3.05%3.10% $25k–$100k3.15% from $100k | $76 |
| 6 months | 3.80% | 3.85% | 3.90% | 3.80%3.85% $25k–$100k3.90% from $100k | $188 |
| 12 months | 3.90% | 3.95% | 4.00% | 3.90%3.95% $25k–$100k4.00% from $100k | $390 |
| 18 months | 3.75% | 3.80% | 3.85% | 3.75%3.80% $25k–$100k3.85% from $100k | $568 |
| 24 months | 4.05% | 4.09% | 4.15% | 4.05%4.09% $25k–$100k4.15% from $100k | $826 |
| 24 months2 year Changeable (Bump Up) certificate | 3.45% | 3.50% | 3.55% | 3.45%3.50% $25k–$100k3.55% from $100k | $702 |
| 36 months | 3.40% | 3.45% | 3.50% | 3.40%3.45% $25k–$100k3.50% from $100k | $1,055 |
| 48 months | 3.30% | 3.35% | 3.40% | 3.30%3.35% $25k–$100k3.40% from $100k | $1,387 |
| 60 months | 3.55% | 3.60% | 3.65% | 3.55%3.60% $25k–$100k3.65% from $100k | $1,906 |
Sources (2)
All captured Oct 16, 2026
Who can join FirstLight Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, worship, or attend school in Dona Ana County.
- Eligibility is open to individuals who live, work, worship, or attend school in El Paso County.
Military, government and schools
- Eligibility is open to individuals stationed at Fort Bliss.
Family and household
- Eligibility is open to family members of an existing FirstLight member, defined as spouse, child, sibling, parent, grandparent, grandchild, step, and adoptive relationships.
Cost to join
- A $5 share deposit is required for membership ownership.
Membership information collected October 5, 2026.