FirstLight Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, FirstLight Federal Credit Union's highest tracked CD (share certificate) rate is 4.15% APY on a 24-month CD ($100,000 minimum). That is 2.7 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.05% to 4.15% APY.
Tracking began .
With $10,000 and no relationship requirement: 4.05% on 24 months
FirstLight Federal Credit Union CD & share certificate rates
Membership required. Share certificates from 91 days to 5 years, including a 2-year Changeable (bump-up) certificate, in the rate sets published on the source. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 91 days | Share Certificate | $100,000 | 3.15% | −1.15% | Top 37% of tracked 91-day CDs · Verified October 22, 2026 |
| 91 days | Share Certificate | $25,000 | 3.10% | −1.19% | Top 38% of tracked 91-day CDs · Verified October 22, 2026 |
| 91 days | Share Certificate | $500 | 3.05% | −1.25% | Top 39% of tracked 91-day CDs · Verified October 22, 2026 |
| 6 months | Share Certificate | $100,000 | 3.90% | −0.50% | Top 21% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Share Certificate | $25,000 | 3.85% | −0.55% | Top 24% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Share Certificate | $500 | 3.80% | −0.60% | Top 26% of tracked 6-month CDs · Verified October 22, 2026 |
| 12 months | Share Certificate | $100,000 | 4.00% | −0.57% | Top 28% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Share Certificate | $25,000 | 3.95% | −0.62% | Top 30% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Share Certificate | $500 | 3.90% | −0.67% | Top 33% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Dream Builder Share Certificate Special | $5 | 3.15% | −1.42% | Top 67% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Share Certificate | $100,000 | 3.85% | −0.87% | Top 35% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Share Certificate | $25,000 | 3.80% | −0.92% | Top 38% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Share Certificate | $500 | 3.75% | −0.97% | Top 42% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Share Certificate | $100,000 | 4.15% | −0.72% | Top 16% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Share Certificate | $25,000 | 4.09% | −0.78% | Top 18% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Share Certificate | $500 | 4.05% | −0.82% | Top 20% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Share Certificate (Changeable/Bump Up) | $100,000 | 3.55% | −1.32% | Top 45% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Share Certificate (Changeable/Bump Up) | $25,000 | 3.50% | −1.37% | Top 52% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Share Certificate (Changeable/Bump Up) | $500 | 3.45% | −1.42% | Top 52% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Dream Builder Share Certificate Special | $5 | 3.00% | −1.87% | Top 65% of tracked 24-month CDs · Verified October 22, 2026 |
| 30 months | Share Certificate | $100,000 | 3.50% | −1.41% | Verified October 22, 2026 |
| 30 months | Share Certificate | $25,000 | 3.45% | −1.46% | Verified October 22, 2026 |
| 30 months | Share Certificate | $500 | 3.40% | −1.51% | Verified October 22, 2026 |
| 36 months | Share Certificate | $100,000 | 3.50% | −1.45% | Top 41% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Share Certificate | $25,000 | 3.45% | −1.50% | Top 42% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Share Certificate | $500 | 3.40% | −1.55% | Top 43% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Dream Builder Share Certificate Special | $5 | 2.40% | −2.55% | Top 75% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Share Certificate | $100,000 | 3.40% | −1.58% | Top 40% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Share Certificate | $25,000 | 3.35% | −1.63% | Top 40% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Share Certificate | $500 | 3.30% | −1.68% | Top 41% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Share Certificate | $100,000 | 3.65% | −1.36% | Top 33% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Share Certificate | $25,000 | 3.60% | −1.41% | Top 34% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Share Certificate | $500 | 3.55% | −1.46% | Top 37% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are FirstLight Federal Credit Union's best CD rates by term?
FirstLight Federal Credit Union's best rate is 4.15% APY on 24 months, verified October 22, 2026.
- 91 days3.15%
- 6 mo3.90%
- 12 mo4.00%
- 18 mo3.85%
- 24 mo4.15%
- 30 mo3.50%
- 36 mo3.50%
- 48 mo3.40%
- 60 mo3.65%
How much interest could a FirstLight Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$826.40 interest · $10,826.40 at maturity on $10,000.00.
4.05% APY · 24 months · Share Certificate · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 91 days | $37.593.05% APY · Share Certificate · Standard | $75.193.05% APY · Share Certificate · Standard | $191.013.10% APY · Share Certificate · Standard | $382.023.10% APY · Share Certificate · Standard |
| 6 months | $94.373.80% APY · Share Certificate · Standard | $188.753.80% APY · Share Certificate · Standard | $478.023.85% APY · Share Certificate · Standard | $956.053.85% APY · Share Certificate · Standard |
| 12 months | $195.003.90% APY · Share Certificate · Standard | $390.003.90% APY · Share Certificate · Standard | $987.503.95% APY · Share Certificate · Standard | $1,975.003.95% APY · Share Certificate · Standard |
| 18 months | $284.143.75% APY · Share Certificate · Standard | $568.273.75% APY · Share Certificate · Standard | $1,439.803.80% APY · Share Certificate · Standard | $2,879.613.80% APY · Share Certificate · Standard |
| 24 months | $413.204.05% APY · Share Certificate · Standard | $826.404.05% APY · Share Certificate · Standard | $2,086.824.09% APY · Share Certificate · Standard | $4,173.644.09% APY · Share Certificate · Standard |
| 30 months | $436.153.40% APY · Share Certificate · Standard | $872.303.40% APY · Share Certificate · Standard | $2,213.633.45% APY · Share Certificate · Standard | $4,427.253.45% APY · Share Certificate · Standard |
| 36 months | $527.543.40% APY · Share Certificate · Standard | $1,055.073.40% APY · Share Certificate · Standard | $2,677.803.45% APY · Share Certificate · Standard | $5,355.593.45% APY · Share Certificate · Standard |
| 48 months | $693.393.30% APY · Share Certificate · Standard | $1,386.793.30% APY · Share Certificate · Standard | $3,522.133.35% APY · Share Certificate · Standard | $7,044.263.35% APY · Share Certificate · Standard |
| 60 months | $952.793.55% APY · Share Certificate · Standard | $1,905.583.55% APY · Share Certificate · Standard | $4,835.883.60% APY · Share Certificate · Standard | $9,671.753.60% APY · Share Certificate · Standard |
How FirstLight Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 730-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 65 of 354 tracked institutions with fresh 730-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| FirstLight Federal Credit Union (this institution)Share Certificate · Standard | 24 months | $100,000 | Membership required · branches in NM, TX | 4.15% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 24 months | Not stated | Available nationwide | 4.80% | October 22, 2026 |
| Popular DirectCD · Standard | 24 months | $10,000 | Available nationwide | 4.80% | October 22, 2026 |
| BarclaysOnline CD · Standard | 24 months | Not stated | Available nationwide | 4.75% | October 22, 2026 |
| Tower Federal Credit Union (highest tracked APY for this term)Regular Share Certificate · Standard | 24 months | $500 | Membership required · branches in MD | 5.20% | October 22, 2026 |
| Treasury (APY-equivalent) | 24 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.87% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking FirstLight Federal Credit Union on October 22, 2026.
About FirstLight Federal Credit Union
- Legal name
- Firstlight Federal Credit Union
- Regulator ID
- NCUA 10174
- Headquarters
- El Paso, TX
- Available in
- NM, TX
- Total assets
- $1.6 billion
- Also known as
- Website
- www.firstlightfcu.org
Source: rates read from https://www.firstlightfcu.org/rates/savings-rates.html. See the page text we read.
Frequently asked questions
What is the highest CD rate at FirstLight Federal Credit Union?
Among the rates we track, 4.15% APY on a 24-month CD, as of October 22, 2026.
What is the minimum deposit for a FirstLight Federal Credit Union CD?
The lowest minimum we found is $5; jumbo and higher balance tiers start at up to $100,000.
How does FirstLight Federal Credit Union's best CD rate compare with Treasury yields?
4.15% APY is −0.72% versus the 24-month Treasury yield of 4.87% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.15% a good CD rate?
It is 2.7 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are FirstLight Federal Credit Union CDs insured?
FirstLight Federal Credit Union is a federally insured credit union (NCUA 10174). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at FirstLight Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check FirstLight Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from FirstLight Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with FirstLight Federal Credit Union before opening an account. This page is not financial advice.