Credit union · NCUA insured
FirstLight Federal Credit Union Credit Card Rates
FirstLight Federal Credit Union credit cards start at 13.49% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How FirstLight Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near El Paso, TX, where FirstLight Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
FirstLight Federal Credit Union
13.49%APR
- Up to
- 18.00% APR
Visa® Platinum
Lowest rate
Navy Federal Credit Union
10.24%APR
- Up to
- 18.00% APR
2nd-lowest rate
Security Service Federal Credit Union
11.24%APR
- Up to
- 18.00% APR
FirstLight Federal Credit Union credit card score
66
Credit card score
Higher than 15% of U.S. banks and credit unions
- Purchase APRPurchase APR13.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where FirstLight Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa® Platinum
Membership eligibility applies. Subject to credit qualification and approval. Perfect for every day purchase power with low competitive interest rates. No annual fee ($0) and $0 balance transfer fee. Cash advances limited to 50% of total credit line, with cash advance fee of $10.00 or 3% of each advance (whichever is greater). 25 days grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.49%–18.00% | None | — |
| Ongoing | 13.49%–18.00% | None | Standard variable APR range. |
Visa® Secured Platinum
Membership eligibility applies. Subject to credit qualification and approval. Pledged shares secure the account. Help build or repair credit with low, competitive interest rates. No annual fee ($0) and $0 balance transfer fee. Cash advances limited to 50% of total credit line, with cash advance fee of $10.00 or 3% of each advance (whichever is greater). 25 days grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | — |
| Ongoing | 18.00% | None | Standard variable APR. |
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This may be incomplete or out of date, so check with the credit union before you apply.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.