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Since 1952, First Flight Federal Credit Union has served members as North Carolina’s premier full-service financial institution. The company has branches across the state and offers a variety of financial products and services. Their website is efirstflight.com.

First Flight Federal Credit Union

First Flight Federal Credit Union Summary

If you plan to take out a personal loan, you must conduct your research and compare all your options. It may be difficult to determine where to turn when there are so many lenders available. You do not need to worry – we are here to assist you.

The First Flight Federal Credit Union is one lender that has recently received considerable attention. However, is this the best option for you? To help you make an informed decision, here is a closer look at what they have to offer.

Upon digging around on their website and terms and conditions, we discovered some interesting things. The following are some of the things that caught our attention.

  • APRs for Personal Loans range from 10.77% to 12.68%.
  • The interest rate ranges between 10.25% and 11.00%.
  • There are other credit options available at higher interest rates.
  • Your loan balance will be debited at least $25 a month, or 2%.
  • There may be a requirement for membership eligibility.
  • You only pay for the balance that you have used, and there are no fees associated with unused lines.

What Is First Flight Federal Credit Union?

Since 1952, First Flight Federal Credit Union has served its members. North Carolina has several branches of this company located throughout the state. The group’s membership is quite diverse, encompassing members from a wide range of communities, as well as employees from a variety of industries, small businesses, and military personnel as well as civilians. To reach the credit union, please dial 1-800-807-0766. The credit union’s corporate headquarters is located at 1815 Kildaire Farm Rd., Suite A in Cary, NC 27518.

First Flight Federal Credit Union has a B- rating with the Better Business Bureau. The BBB doesn’t accredit them, but they have an average of 1 customer review and 1 complaint closed in the last 3 years with a 1-star out of 5-star rating.

How Does First Flight Federal Credit Union Work?

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Upon opening an account with First Flight Federal Credit Union, you will be required to provide some basic information, including your name, address, and date of birth. You may also be asked to show your driver’s license or other forms of identification. By providing this information, they will be able to verify your identity and ensure that the correct person is receiving their services.

Members of First Flight are also eligible to join and take advantage of all the benefits that come with membership.

How To Qualify For First Flight Federal Credit Union

There are a few ways to qualify for membership. The organization accepts members of the military and government employees, both active duty and retired. Furthermore, those who live, work, or worship in any of the following communities are also welcome: Lenoir County, Pitt County, Morehead City Community, New Bern Community, and Havelock Community.

The first way is to have electric service through Carteret-Craven EMC. The other way is to have a corporate relationship with First Flight through your employer or organization.

Alternatively, you may join one of the following associations by donating $5-$10, which will then qualify you for membership in First Flight Federal Credit Union. There are some associations that you can join online or at one of their financial centers. There are three associations: Capital Area Preservation Club, Holly Springs Arts Council, and Beaufort Historical Society.

First Flight Federal Credit Union BBB Reviews

There is a B- rating for First Flight Federal Credit Union from the Better Business Bureau. Customer reviews average 1 out of 5 stars, and they’re not accredited by the Better Business Bureau.

Here are some reviews:

Douglas K 04/16/2020

As an active duty military member who had to relocate from NC, I have found this credit union to be unfair. I have been trying to pay off my auto loan and they won’t let me. They want every penny that can take someone. Sad!

Initial Complaint 05/25/2021

Complaint Type: Advertising/Sales IssuesStatus: Unanswered

My wife and I have a Motor Home financed by First Flight. Due to me losing my job we had to file a chapter 13 which was discharged the first part of this year. I contacted the first flight to get access to my account and spoke with *********** to make sure my account was up to date. She was very helpful at this time. I gained access to our account and set up a monthly draft. I noticed my payment was going all to interest and no principal.

I called her again to get information as to why this was happening and I no longer had access to check my account after this conversation. She told me that she could not discuss anything with me. I’m not getting a monthly statement so I have no way to know what my principal and interest are on each payment or what is going on to cause this issue. The trustee made payments to them for $256.28 per month. Please help me get this resolved. I don’t think this is legal.

First Flight Federal Credit Union FAQs

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How Much Does First Flight Federal Credit Union Cost?

With a range of 10.77% to 12.68% APR, First Flight Federal Credit Union offers highly competitive rates on personal loans. Additionally, you will be charged a minimum of $25 per month, or 2% of your outstanding loan balance.

Do They Charge Pre-Payment Penalties?

There is no public information available regarding the fees charged by First Flight Federal Credit Union, however, they do charge a monthly fee of 2% on the outstanding balance of your loan.

Does First Flight Federal Credit Union Impact My Credit?

Viewing your rates will not affect your credit score. However, proceeding with a loan after checking your rates will result in a hard-pull credit inquiry, which can lower your credit score. Additionally, third parties can see this type of inquiry on your record.

How To Cancel First Flight Federal Credit Union

Before taking out a loan, it is important to understand all its terms and conditions. For example, at First Flight Federal Credit Union, once you receive the loan funds, the loan cannot be canceled or reversed. So be sure you’re certain a loan is the best choice for you before moving forward.

Are you having trouble making ends meet? Getting back on track may be easier than you think.

  • It is important to establish a budget and adhere to it to avoid spending more than you can afford.
  • It may also be beneficial to consult a financial advisor who can help you analyze your options and develop a plan that is appropriate for your situation.
  • Last but not least, do not despair if you are already in debt. It is common for companies to work with customers to arrange a more manageable payment plan. If you would like more information, please contact their customer service department.

Is First Flight Federal Credit Union Legit Or A Scam?

For over 60 years, efirstflight.com has helped members get the money they need. With their competitive rates on loans and credit products, they can help you manage your money more effectively. Despite this, this credit union only has a B- rating with the BBB and a 1-star rating from its customers.

If you are considering taking out a loan, it is important to research all of your options and compare interest rates. Before making a decision, be sure to read customer reviews so that you can choose the best option for you. In this way, you can avoid taking out a loan you cannot afford.

First Flight Credit Union Review
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First Flight Credit Union Summary

For over 60 years, First Flight Federal Credit Union has helped members get the money they need. With their competitive rates on loans and credit products, they can help you manage your money more effectively. Despite this, this credit union only has a B- rating with the BBB and a 1-star rating from its customers.

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Felicia Valentine is a force of nature. She volunteers her time at the local homeless shelter. Felicia also has a degree in theology, and she grew up in the Midwest. Her parents were both class action attorneys. Felicia is always looking to help others, and she hopes to make the world a better place for everyone.

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