# FirstLight Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/firstlight-federal-credit-union
Institution: Firstlight Federal Credit Union (NCUA 10174)
Aliases: 
Status: live
Last verified: 2026-10-23T02:10:01.000Z (October 22, 2026)
Official source: https://www.firstlightfcu.org/rates/savings-rates.html
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share Certificate | standard | 91 days | $100,000 | 3.15% | Not ZIP-priced | −1.15% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate | standard | 91 days | $25,000 | 3.10% | Not ZIP-priced | −1.19% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate | standard | 91 days | $500 | 3.05% | Not ZIP-priced | −1.25% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate | standard | 6 months | $100,000 | 3.90% | Not ZIP-priced | −0.50% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate | standard | 6 months | $25,000 | 3.85% | Not ZIP-priced | −0.55% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate | standard | 6 months | $500 | 3.80% | Not ZIP-priced | −0.60% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate | standard | 12 months | $100,000 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate | standard | 12 months | $25,000 | 3.95% | Not ZIP-priced | −0.62% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate | standard | 12 months | $500 | 3.90% | Not ZIP-priced | −0.67% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Dream Builder Share Certificate | special | 12 months | $5 | 3.15% | Not ZIP-priced | −1.42% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate | standard | 18 months | $100,000 | 3.85% | Not ZIP-priced | −0.87% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate | standard | 18 months | $25,000 | 3.80% | Not ZIP-priced | −0.92% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate | standard | 18 months | $500 | 3.75% | Not ZIP-priced | −0.97% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate | standard | 24 months | $100,000 | 4.15% | Not ZIP-priced | −0.72% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate | standard | 24 months | $25,000 | 4.09% | Not ZIP-priced | −0.78% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate | standard | 24 months | $500 | 4.05% | Not ZIP-priced | −0.82% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate (Changeable/Bump Up) | standard | 24 months | $100,000 | 3.55% | Not ZIP-priced | −1.32% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate (Changeable/Bump Up) | standard | 24 months | $25,000 | 3.50% | Not ZIP-priced | −1.37% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate (Changeable/Bump Up) | standard | 24 months | $500 | 3.45% | Not ZIP-priced | −1.42% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Dream Builder Share Certificate | special | 24 months | $5 | 3.00% | Not ZIP-priced | −1.87% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate | standard | 30 months | $100,000 | 3.50% | Not ZIP-priced | −1.41% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate | standard | 30 months | $25,000 | 3.45% | Not ZIP-priced | −1.46% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate | standard | 30 months | $500 | 3.40% | Not ZIP-priced | −1.51% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate | standard | 36 months | $100,000 | 3.50% | Not ZIP-priced | −1.45% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate | standard | 36 months | $25,000 | 3.45% | Not ZIP-priced | −1.50% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate | standard | 36 months | $500 | 3.40% | Not ZIP-priced | −1.55% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Dream Builder Share Certificate | special | 36 months | $5 | 2.40% | Not ZIP-priced | −2.55% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate | standard | 48 months | $100,000 | 3.40% | Not ZIP-priced | −1.58% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate | standard | 48 months | $25,000 | 3.35% | Not ZIP-priced | −1.63% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate | standard | 48 months | $500 | 3.30% | Not ZIP-priced | −1.68% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate | standard | 60 months | $100,000 | 3.65% | Not ZIP-priced | −1.36% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate | standard | 60 months | $25,000 | 3.60% | Not ZIP-priced | −1.41% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |
| Share Certificate | standard | 60 months | $500 | 3.55% | Not ZIP-priced | −1.46% | 2026-10-23T02:10:01.000Z | [Snapshot 850](https://apyledger.com/snapshots/850) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.