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.
Savings Made Simple
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* – Lock in a great rate and watch your savings grow, guaranteed.
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.
Low Minimum Deposits
Start saving with as
little as $5.
Terms That Are Just Right
You pick the plan that fits your goals and your timeline.
Earn While You Save
Dividends paid on minimum balances mean your money makes money.
Earn While You Save
Dividends paid on minimum balances mean your money makes money.
Tiered Interest Rates
Earn more as your balance grows.
True Support
FirstLight is run by
members for members.
Account Type & Rates
Open an Account| Account Types | Dividend Rate | Annual Percentage Yield | Effective |
|---|---|---|---|
| Share/Savings & Business Share/Savings Minimum Average Daily Balance of $100 or more | 0.15% | 0.15% | 12/1/25 – 12/31/25 |
| Youth Share/Savings No Minimum Average Daily Balance | 0.15% | 0.15% | 12/1/25 – 12/31/25 |
| Individual Retirement Account1 1Last Dividend Declaration Date of 01/01/2020 | 0.25% | 0.25% | 12/1/25 – 12/31/25 |
| Simply Checking | 0.00% | 0.00% |
| Simply More | 0.00% | 0.00% |
| Simply More ($2,500-$4,999)2 | 0.10% | 0.10% |
| Simply More ($5,000)2 | 0.125% | 0.125% |
| Business Premier ($7,500+) | 0.10% | 0.10% |
| High Yields/Business High Yield $300,000 – $999,999 | 2.72% | 2.75% |
| High Yields/Business High Yield $1,000,000+ | 3.20% | 3.25% |
| Average Daily Balance of $2,500 – $9,999 | 0.50% | 0.50% |
| $10,000 – $24,999 | 0.70% | 0.70% |
| $25,000 – $49,999 | 0.80% | 0.80% |
| $50,000 – $99,999 | 0.85% | 0.85% |
| $100,000 – $249,999 | 1.10% | 1.11% |
| $250,000 – $499,999 | 1.10% | 1.11% |
| $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 | 3.83% | 3.90% |
| 2 year | 3.59% | 3.65% |
| 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 | 3.88% | 3.95% |
| 2 year | 3.64% | 3.70% |
| 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 | 3.93% | 4.00% |
| 2 year | 3.69% | 3.75% |
| 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% |
| Minimum Balance: $5 | ||
| 1 year | 3.40% | 3.45% |
| 2 year | 2.57% | 2.60% |
| 3 year | 2.37% | 2.40% |