As a FirstLight Member, you are automatically enrolled. Points can be earned with the products you already use - like your FirstLight Debit Card, Credit Card, Mortgage and Loan(s).
There are no additional requirements or a separate program to monitor. It's easy and rewarding!!
Earn 1 point for every $5 in qualified purchases.
Earn 1 point for every $1 in qualified purchases.
Earn 1 point for every $5 of your on-time payment.
Earn 250 points per month on your 1st Lien Mortgage. Earn 125 points per month on your 2nd Lien Mortgage (i.e. Home Equity Loan).
Redeem up to $125 cashback;
Use 3,400 points for every
Get a .25% Annual
Percentage Rate Discount
with 5,000 points.
Recieve a .10% Annual
Percentage Yield Rate
Increase with 5,000 points
Non-FirstLight ATM Fee - 250 points.
Money Order Fee - 200 points.
NSF Fee - 3,200 points.
Courtesy Pay Fee - 2,950 points.
Skip-a-Pay Fee - 2,500 points.
To view your FirstLight Reward Points, log into FirstLight’s Online Banking or Mobile App.
Members account must be active and in good standing at the time of earning and/or redeeming points. Members points will be disqualified or requalified for members on a monthly basis before points are awarded for the month. Points can be redeemed for a cash deposit to the member’s account, fees reversals, loan rate discounts or a rate increase on member’s share certificate. Points cannot be transferred to another account. Rate reductions are not available on Credit Cards, Share/CD Secured loans, or Title loans. Debit card purchases qualify to earn points. Excluded are any type of transaction done at an ATM or cash advances. If previously qualified transactions are reversed, points will be removed. Credit card sale purchases qualify to earn points. Balance consolidations, cash advances, convenience checks, fees and interest do not earn points. If previously qualified sale transactions are reversed, points will be removed. For full details on Rewards Program, please review the Rewards Program Terms and Conditions found in the Rewards widget within Online Banking or contact us for a copy. Federally Insured by NCUA.