At FirstLight we understand that life happens. If overwhelming debt is causing you stress, you are not alone. Millions of Americans are suffering from anxiety and depression because they have difficulty paying their financial obligations.
Whatever the cause of the debt – be it over-spending, salary reduction, or emergency expenses such as medical bills – the action you take to beat the “bill blues” is the same. At FirstLight we offer assistance with various programs and products to help you get back on track.
FirstLight’s BALANCE® Financial Fitness Program is a free service to help you achieve your short-term and long-term financial goals. We offer advice from getting out of debt to planning for your retirement, and everything in between. Get access to money management and counseling six days a week for things like:
To take advantage of this important service, call 800.351.1670. Counselors are available Monday through Thursday 6am - 9pm (MST), Friday 6am - 6pm, and Saturday 9am - 6pm.
Our Fresh Start Spend Account gives you a chance to take advantage of the many conveniences that come with a FirstLight account and provides you with the tools you need to find financial success! You can even earn an incentive of $50!
Fresh Start Features:
Complete six months of positive activity within the Fresh Start Spend Account and claim your incentives! Here’s how to graduate to a Simply Checking Account and earn your $50 Graduation Credit:
Additional Features Available After Account Graduation
Mobile Check Deposit
Deposit checks quickly with your mobile phone that complements your on-the-go schedule. No need to go to the branch.
Allows you to easily move money between your accounts with us and other financial institutions.
Send money directly to anyone with no need to write a check, exchange account numbers or carry cash.
Say goodbye to stamps and envelopes and pay bills in a safe, convenient, and easy way within online banking.
Membership eligibility requirements apply. Fresh Start Spend Account has a $20 monthly service fee until graduation requirements are met. Not all accounts earn the graduation credit, refer to Fresh Start Spend Account disclosure for details. Contact us for the full disclosure. Data rates may apply for use of additional account services. Federally insured by NCUA.*Must meet requirement within 6 months in order to qualify for $50 graduation credit. **No fee ATMs include CO-OP Network only.
Improve your credit history
HOW DOES IT WORK
You apply for a credit rebuilder loan
We will deposit your approved requested funds to your FirstLight Savings Account and use as collateral to secure the loan
You make monthly payments
Once the loan is paid in full, the funds are released to you
BENEFITS & FEATURES
Build or rebuild your credit and save money at the same time
Limited or bad credit history welcome to apply
Flexible terms with a fixed rate
Consistent payments may help your overall credit rating and credit score
HOW TO APPLY
Apply in 3 easy steps.
Membership eligibility requirements apply. All loans are subject to approval. Rates and terms based on credit qualification and subject to change. Credit Rebuilder loan is not eligible for additional loan rate discounts. FirstLight is an Equal Opportunity Lender.