Credit union · NCUA insured
FirstLight Federal Credit Union Savings Rates
FirstLight Federal Credit Union’s best savings rate is 0.15% APY on $10,000, with its Individual Development Account. Rates checked October 16, 2026.
How FirstLight Federal Credit Union’s savings 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
0.15%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $15
Individual Development Account
Top rate
Citizens Bank of Las Cruces
5.12%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $512
2nd-highest rate
Chevron Federal Credit Union
3.15%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $315
FirstLight Federal Credit Union savings score
68
Savings score
Higher than 22% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0001.11%
- QualifiedQualified0.15%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High Yield
Up to 3.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $300,000 – $999,999 | 2.75% | — |
| $1,000,000 and up | 3.25% | — |
Sources (1)
- firstlightfcu.org/rates/savings-rates.html · captured Oct 6, 2026
Money Market Account
1.11%APY
Minimum average daily balance to earn dividends is $2,500.00. Tiered interest rates where higher balances earn higher rates.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100,000 – $249,999Rate applies to average daily balance of $100,000 - $249,999.$100,000 – $249,999 | 1.11% | — | Rate applies to average daily balance of $100,000 - $249,999. |
Sources (2)
All captured Sep 17, 2026
Individual Development Account
0.15%APY
Membership eligibility applies.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum Average Daily Balance of $100 or more.$100 and up | 0.15% | $15 | Minimum Average Daily Balance of $100 or more. |
Sources (1)
- firstlightfcu.org/rates/savings-rates.html · captured Oct 6, 2026
Share Savings Account
0.15%APY
Membership eligibility applies. Minimum opening deposit is $5. Dividends earned with average daily balance of $100 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum Average Daily Balance of $100 or more.$100 and up | 0.15% | $15 | Minimum Average Daily Balance of $100 or more. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
0.25%APY
Includes Traditional IRA, Roth IRA, and Education IRA / Coverdell Education Savings Account options.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo Minimum Average Daily Balance. Last dividend declaration date of 01/01/2020.Any balance | 0.25% | $25 | No Minimum Average Daily Balance. Last dividend declaration date of 01/01/2020. |
Sources (2)
All captured Oct 6, 2026
Cha-Ching Teen Club
0.15%APY
Designed for teens ages 13-17. Parental permission required for ATM card.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (2)
All captured Oct 6, 2026
Dollar Dog Kid's Savings Account
0.15%APY
Designed for children ages 0-12. Requires co-ownership of parent or legal guardian.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (2)
All captured Oct 6, 2026
The Edge
0.15%APY
Designed for young adults ages 18-24.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (2)
All captured Oct 6, 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.