The FirstLight Federal Credit Union is a personal credit card from FirstLight Federal Credit Union. The annual fee is $0. The ongoing APR is 13.49%–18.00% variable (Loan Rates effective 10-15-2026). Loan terms: The Minimum Payment Due is 2.00% of Your total New Balance, or $25.00, whichever is greater, plus any amount past due and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than $25.00, then Your Minimum Payment Due is the amount of the total New Balance..