Banking That Means Business
Business loans*, lines of credit, merchant services – we’re here for whatever you need for your business. Because our business is growing yours.
We Mean Business
Running a business takes guts, grit, and a solid financial partner. Which is why, whether you’re starting out or scaling up, we’re here for you with everything you need to build your business. From everyday banking to big-picture financing, FirstLight offers the smart, flexible tools that make business banking easy.
- Business Lines of Credit – Short-term funding for flow, seasonal expenses, or to bridge gaps.
- Business Loans – Affordable, low-interest loans with flexible terms.
- Checking Accounts – Business checking options that meet you where you are.
- Merchant Services – The tools to process your payments efficiently and securely.
- Personalized Service – Guidance and support tailored to you and your business.
Making Business Personal
Every business is different. But at FirstLight, our business customers all have one thing in common: Personalized guidance and support tailored to their unique needs. Our dedicated Business Member Service Representatives get to know your business and provide the tools and services you need to grow. Because at FirstLight, taking care of business means taking care of you.
Flexible Financing Options
Lines of credit and loans designed to grow with your business.
Getting You Paid Easier
Hassle-free major credit and debit card payment acceptance.
Checking Accounts Options
Choose from accounts that match your business size and transaction volume.
Comprehensive Merchant Services
Process payments seamlessly, in-store
or online.
Dedicated Business Support
Work with local experts who understand
your market.
Convenient Digital
Banking
Manage your accounts anytime, with our online and mobile services.
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Account Type & Rates
| Average Daily Balance of $2,500 - $9,999 | 0.50% | 0.50% |
| Average Daily Balance of $10,000 - $24,999 | 0.70% | 0.70% |
| Average Daily Balance of $25,000 - $49,999 | 0.80% | 0.80% |
| Average Daily Balance of $50,000 - $99,999 | 0.85% | 0.85% |
| Average Daily Balance $100,000 - $249,999 | 1.10% | 1.11% |
| Average Daily Balance $250,000 - $499,999 | 1.10% | 1.11% |
| Average Daily Balance $500,000 + | 1.15% | 1.16% |
| 91 day | 3.01% | 3.05% |
| 6 month | 3.83% | 3.90% |
| 1 year | 3.88% | 3.95% |
| 18 Months | 3.69% | 3.75% |
| 2 year | 3.83% | 3.90% |
| 2 year Changeable (Bump Up) ** | 3.40% | 3.45% |
| 30 month† | 3.35% | 3.40% |
| 3 year | 3.35% | 3.40% |
| 4 year | 3.25% | 3.30% |
| 5 year | 3.49% | 3.55% |
| 91 day | 3.06% | 3.10% |
| 6 month | 3.88% | 3.95% |
| 1 year | 3.93% | 4.00% |
| 18 Months | 3.74% | 3.80% |
| 2 year | 3.88% | 3.95% |
| 2 year Changeable (Bump Up) ** | 3.45% | 3.50% |
| 30 month† | 3.40% | 3.45% |
| 3 year | 3.40% | 3.45% |
| 4 year | 3.30% | 3.35% |
| 5 year | 3.54% | 3.60% |
| 91 days | 3.11% | 3.15% |
| 6 month | 3.93% | 4.00% |
| 1 year | 3.98% | 4.05% |
| 18 Months | 3.78% | 3.85% |
| 2 year | 3.93% | 4.00% |
| 2 year Changeable (Bump Up)** | 3.49% | 3.55% |
| 30 month† | 3.45% | 3.50% |
| 3 year | 3.45% | 3.50% |
| 4 year | 3.35% | 3.40% |
| 5 year | 3.59% | 3.65% |
Let’s Grow Together
Open an account, apply for a loan, or just start the conversation. Your business deserves a financial partner who’s in it for the long haul. Join today.
*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.
*All loans are subject to credit qualification and approval. Business loans are available only on properties located in Texas and New Mexico. Certain fees and conditions apply. Membership eligibility requirements apply.
**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.
†The 30-month rate does not apply to Individual Retirement Accounts.
Insured by NCUA.