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Life happens... we're here to help

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:

  • Debt management
  • Home purchasing
  • General money management
  • Credit report reviews for a nominal fee

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.

Do you have less than perfect credit? Are you having a difficult time getting a checking account? Maybe some cash management issues? We understand and are here to help with our new Fresh Start Spend Account.

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:

  • VISA® Debit Card with Purchase Rewards
  • Access to over 100 local and nearly 30,000 nationwide no-fee ATMs** (no check deposit)
  • Access your account nationwide through any CO-OP, AFFN or NYCE networks.
  • 24/7 account access with telephone, online, and mobile banking services
  • Access to Shared Branching - over 5,000 credit unions nationwide allow our members to conduct their business as if they were at FirstLight.
  • Track Finances with Finance Manager
  • "Lite Counselor" to help you navigate your new account and graduate to the next level

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:

  • Set up Direct Deposit*
  • Sign up for e-Statements*
  • Use your debit card to make at least 10 purchases*
  • Complete Financial Literacy Courses
  • Satisfy the monthly fee of $20 for six consecutive months
  • Avoid Overdrafts, NSF Fees, and Returned Checks

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.
External Transfers
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.
Bill Pay
Say goodbye to stamps and envelopes and pay bills in a safe, convenient, and easy way within online banking. 

Open your Account Online!

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.


FirstLight has put together a credit rebuilder loan for you to achieve your short and long-term dreams with our very own FirstLight Credit Rebuilder Loan!


Improve your credit history


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


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


Apply in 3 easy steps.

Apply Online

Apply Via Live Video Banking

View Rates




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.

If you have money stashed away you may qualify for a Secured Share Loan. This type of loan can be secured by those funds and has really low interest rates. To learn more about this loan option, call us at 800.351.1670 or apply online today!
Buying a car on your own for the first time is an exciting and unforgettable moment; but when it comes to financing, things can be a bit confusing. We can help with our First Time Auto Loan Program. This program was designed to help those with limited credit and no prior auto loans. For more details about this loan option, call us at 800.351.1670 or apply online today!
If you have money stashed away you may qualify for a Secured Credit Card. This type of loan can be secured by those funds. To learn more about this loan option, call us at 800.351.1670 or apply online today!