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Savings Accounts
Savings accounts so easy they’re hard to resist.

Becoming a member of FirstLight is as easy as opening a savings account. And that's pretty easy. All it takes is a $5 deposit to get you started. Let's get you set up for savings success.

  • Share Account - A $5 minimum opening deposit gets you started.
  • Money Market - Ours don't just make you money. They make it easy.
  • Share Certificates 1 - Lock in a great rate and watch your savings grow, guaranteed.

Open an Account

Savings Accounts

Share Account

Saving Shouldn't Be Complicated

With FirstLight, it isn't. We've got simple, flexible savings options to help you grow your money and reach your goals. With competitive interest rates, quarterly statements, and dividends paid on balances over $100, it all adds up to a smarter way to save.

Share Account

Simple Saving. Opening a Share Account is the first step to becoming a member and part-owner at FirstLight. A Share Account lets you save more worry less.

  • $5 minimum deposit
  • Earn dividends with balances over $100
  • Quarterly paper or e-statements
  • 24/7 instant access

Open an Account See Rates

Money Market

A FirstLight Money Market account is the best of both worlds. Earn high rates and have the flexibility of withdrawals. Minimum average dailiy balance to earn dividends is $2,500.00. Money Market account holders will enjoy:

  • Tiered interest rates to help you earn more
  • Higher account balances give you higher rates
  • Up to six electronic transactions allowed per month
  • 24/7 free account access with Online Banking and Mobile App
  • Dividends paid monthly
  • Quarterly Statements

Open an Account See Rates

Share Certificate

Share Certificates 1

A guaranteed investment that puts you in control. They offer a low-risk, convenient way to save for a goal, project, emergency fund or simply plan for the future. With as little as $500, a Share Certificate can guarantee a return on your money and lets you choose the term.

  • Open your account with as little as $500
  • Choose terms from 3 months to 5 years - the longer the term, the higher the payout
  • Earn monthly dividends
  • Save time with automatic renewal
  • Use your Share Certificate as collateral for a secured loan

Dream Builder Share
Certificate 2

Save gradually and guarantee your investment.

  • Start with an initial deposit as little as $5
  • Choose your term from 1 year to 3 years
  • Schedule contributions that you're comfortable with

2-Year Changeable 3

Concerned about locking in your rate? Get a 2-Year Changeable Share Certificate.

  • Minimum $2,500 deposit
  • Available for a 2 year term
  • Bump up your rate one time during the 2 year term

Open an Account See Rates

FEDERALLY INSURED BY NCUA

Build a Brighter Future.
Determine which certificate term works best and how much you should initially deposit to achieve your savings goals.
minus sign plus sign
Certificate Term (Months)
Future account balance:
Interest earned:
Open a share certificate account with and it will grow to in months. The account will have earned in interest.

Let us help you

We make applying easy

We make applying for a loan fast, simple, and stress-free.

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Disclosures

1 FirstLight Federal Credit Union reserves the right to end or modify a special/promotional rate at any time. Penalties apply for early withdrawal from certificates. Unless you indicate otherwise, the certificate will be renewed at maturity at a like term, if available, or at the then-current rate in effect. Other restrictions may apply.

2 Dream Builders Share Certificate require monthly deposits or periodic payments and are not available for Business Accounts.

3 For Bump Up/Changeable Share Certificates: Rate may be changed one time during the term to the existing rate at member’s written request. Fees could reduce earnings. Unless you indicate otherwise, the bump up/changeable certificate will be renewed at maturity at a like term, if available, or at the then-current rate in effect. Visit a branch for complete details.

4 Membership eligibility applies. All loans are subject to approval. Other restrictions may apply. FirstLight is an Equal Opportunity Lender.

5 All loans are subject to credit qualification and approval. Mortgage loans are available only on properties located in Texas and New Mexico. Certain fees and conditions apply. Membership eligibility requirements apply. Equal Housing Lender.