FirstLight Federal Credit Union, headquartered in Las Cruces, New Mexico, operates as a member-owned, non-profit financial cooperative serving residents and employees within its field of membership. Founded to provide accessible, low-cost financial services, the organization emphasizes cooperative principles, democratic member control, and a focus on financial inclusion for its members. Its structure supports shared resources across branches, coordinated by a central governing framework that reflects the collective interests of its membership.
The credit union offers a range of core banking functions designed to meet everyday financial needs, including deposit products, loan services, and payment solutions. Its operations are organized to maintain safety and soundness while striving to deliver reliable, convenient access to financial services through its branch network and member programs. As a community-focused institution, FirstLight Federal Credit Union aims to support financial resilience, economic participation, and member education within its service areas, aligning its activities with the distinctive regulatory and fiduciary responsibilities governing federally chartered credit unions.
Better than 45% of providers in Las Cruces
In addition to the primary service, FirstLight Federal Credit Union also offers:
Other providers in Las Cruces with similar ratings:
FirstLight Federal Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
FirstLight Federal Credit Union is listed as a financial service provider in Las Cruces, NM and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask FirstLight Federal Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from FirstLight Federal Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare FirstLight Federal Credit Union with other providers in Las Cruces and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
FirstLight Federal Credit Union has a rating of 4.2, which is better than 45% of providers in Las Cruces.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents FirstLight Federal Credit Union requests. It is always best to call ahead using the phone number on this page so FirstLight Federal Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, FirstLight Federal Credit Union also offers: Federal credit union, ATM.