FirstLight Federal Credit Union

Earn up to 57% more with a FirstLight Federal Credit Union checking account

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Save up to $523 with a FirstLight Federal Credit Union credit card

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Earn up to 134% more with a FirstLight Federal Credit Union savings deposit

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Save up to $435 with a FirstLight Federal Credit Union auto loan

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Save up to $948 with a FirstLight Federal Credit Union boat loan

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Earn up to 287% more with a FirstLight Federal Credit Union Share Certificate

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Earn up to 93% more with a FirstLight Federal Credit Union money market

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Texas, Save up to $20,886 with a FirstLight Federal Credit Union mortgage

New Mexico, Save up to $20,490 with a FirstLight Federal Credit Union mortgage

Las Cruces, Save up to $21,145 with a FirstLight Federal Credit Union mortgage

Credit Cards

Interest Rates Certified by Datatrac

Visa® Credit Cards

Save time this year on holiday shopping with a FirstLight Credit Card and make time for what's most important, your family! Choose the card that is right for you!

	Visa Platinum	Visa CURewards Platinum	Visa Secured Platinum
Description	Perfect for every day purchase power with low competitive interest rates.	Shop and earn points to redeem for rewards like: cash back, payment credit, merchandise, travel,gift cards and more!	Help build or repair your credit with low, competitive interest rates.
Annual Fee	$0	$0	$0
Balance Transfer Fee	$0	$0	$0
Cash Advance Fee	$0	$0	$0
Grace Period	25 days	25 days	25 days
Pay with your Phone (Apple Pay, Google Pay, Visa Checkout, Microsoft Wallet)	✔	✔	✔
Rewards Points	N/A	Earn 1 pt for $1 Spent	N/A
*Introductory APR+**	1.90% to 5.90% APR for 12 months	1.90% to 5.90% APR for 12 months	N/A
*Standard APR Range**	8.90% - 18.00%	9.40% - 18.00%	14.90% - 17.90%
Security Features:
Chip Technology	✔	✔	✔
Visa's Zero Liability Protection	✔	✔	✔
Travel & Emergency Assistance Service	✔	✔	✔
Warranty Manager Purchase Security	✔	✔	✔
Identity Theft Coverage	✔	✔	✔
24/7/365 Fraud Monitoring	✔	✔	✔
		More CU Rewards Info

*APR=Annual Percentage Rage. **Introductory APR rates are for new qualifying members for a period of 12 billing cycles; after that the rate will return to its standard rate. Standard rates range between 8.90% and 18%. Subject to credit approval. Certain restrictions apply.

Get big protection in a tiny chip

Your FirstLight Visa® Credit Card now features an embedded chip that improves security every time you make purchases at a chip-activated terminal.

Receive enhanced fraud protection with chip technology. This tiny chip protects you from fraud by creating a one-time use code for each chip transaction. This code is virtually impossible to counterfeit and helps reduce in-store fraud.
Easy to use. Simply swipe your card like you do today. However, if a chip-activated terminal is available, insert your card instead and follow the prompts.
Enjoy global acceptance. Chip-activated terminals are coming to certain U.S. retailers this year – and more locations in the years to come. Whether you check out using chip technology or swipe your card, you can pay with confidence worldwide – wherever Visa credit cards are accepted.

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Download our Balance Transfer Form

View Credit Card Rates

View Full Disclosure of Rates for Credit Cards

Important Phone Numbers

For Credit Card member service, to report fraud, dispute transaction(s), or report your card as lost/stolen please contact Card Services.
1-800-229-6132

Falcon Security Fraud Detection System

In the case of suspected fraud on your credit card, you will receive a call from the phone numbers below. Please be aware that this is a third party vendor that helps FirstLight monitor your credit card transactions for possible fraud.

1-888-918-7313 or 1-727-299-2449

Credit Card Agreements & Forms

Consumer Credit Card Agreement

Credit Card Payment Information

Phone number:
1-866-310-6919

Mailing Address:
Visa
PO Box 60510
City of Industry, CA 91716-0510