First Flight Federal Credit Union Review: Is It Legit Or A Scam?

First Flight Federal Credit Union

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There is no doubt that First Flight Federal Credit Union is one of the top full-service financial institutions in North Carolina, and they have been serving members since 1952. Its branches can be found all over the state, and they offer a wide range of products and services to meet the financial needs of customers. The company advertises its services online at, which is its official website.


First Flight Federal Credit Union Review: Is It Legit Or A Scam? 1


When it comes to personal loans, it is important to do your research and compare all your options before making a decision. The number of lenders available can make it difficult to decide where to turn. You don’t need to worry – we can assist you.

One lender that has been receiving a lot of attention lately is First Flight Federal Credit Union. Do you think this is the best option for you? To help you make an informed decision, let’s take a closer look at what they have to offer.

A little digging revealed some interesting things about their website and terms and conditions. Some of the things we found interesting are listed below.

  • APRs for personal loans range from 10.77% to 12.68%.
  • 10.25% to 11.00% is the range of interest rates.
  • There are other credit options available at higher interest rates.
  • There will be a minimum charge of $25 per month, or 2% of your loan balance.
  • It may be necessary to meet membership eligibility requirements.
  • No fees are charged for unused lines, and you only pay for what you use.

First Flight Federal Credit Union: What Is It?

Since 1952, First Flight Federal Credit Union has served its members. They have branches throughout North Carolina. Members include residents of many communities, employees of a variety of industries, small businesses, military personnel, and civilians. Located at 1815 Kildaire Farm Rd., Suite A in Cary, NC 27518, the credit union’s corporate headquarters can be reached at 1-800-807-0766.

First Flight Federal Credit Union has a B- rating from the Better Business Bureau. While the BBB does not accredit them, it has received an average of 1 customer review and 1 complaint closed in the last 3 years with a rating of 1-star out of 5 stars.

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How Does This Company Work?

The First Flight Federal Credit Union requires some basic information from you to open an account. These details include your name, address, and date of birth. Additionally, they may require a copy of your driver’s license or another form of identification. By providing them with this information, they will be able to verify your identity and ensure that they are providing their services to the correct individual.

The benefits of membership extend to your family and household members as well.

How To Qualify For First Flight Federal Credit Union

First Flight Federal Credit Union Review: Is It Legit Or A Scam? 2

There are several ways in which you can qualify for membership. First of all, they accept both active and retired military personnel and government employees. You are also welcome if you live, work, or worship in any of the following communities: Lenoir County, Pitt County, Morehead City Community, New Bern Community, or Havelock Community.

You can also obtain electric service through Carteret-Craven EMC. First Flight has a corporate relationship with your employer or organization.

Alternatively, you can donate $5-$10 to one of the following associations to qualify for First Flight Federal Credit Union membership. Several of these associations allow you to join online or at a financial center. Capital Area Preservation Club, Holly Springs Arts Council, and Beaufort Historical Society are the associations.

BBB Reviews

The BBB gives First Flight Federal Credit Union a B- rating. Their average customer review rating is 1 out of 5 stars, and they are not accredited by the Better Business Bureau.

Here are some reviews:

Douglas K 04/16/2020

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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 Complaint05/25/2021

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.


How Much Does First Flight Federal Credit Union charge?

APRs for personal loans at First Flight Federal Credit Union range from 10.77% to 12.68%. Your loan balance will also be charged 2% per month or $25 per month.

Is there any pre-payment penalty?

First Flight Federal Credit Union does not disclose its fees, but they do charge a 2% monthly payment.

How Does This Company Affect Your Credit?

Your credit score will not be affected by checking your rate. However, once you have viewed your rates and proceeded with a loan, a full credit report inquiry will be conducted. Your credit score may be lowered as a result of a hard pull. This type of inquiry can also be seen by third parties.

How To Cancel First Flight Federal Credit Union?

A loan can be an excellent way to obtain funding for a large purchase or an unexpected expense. It is important to understand all the terms and conditions associated with a loan before applying. If you receive a loan from First Flight Federal Credit Union, you cannot cancel or reverse the loan once you receive the funds. Make sure that you are certain that a loan is the best option for you before proceeding.

How difficult is it for you to make ends meet? Here are some suggestions to assist you in getting back on track.

  • Setting a budget and sticking to it will ensure you only spend what you can afford.
  • Alternatively, you can consult a financial advisor who can help you develop a plan that fits your needs.
  • Finally, if you are already in debt, do not despair. Customers can often work with companies to arrange a more manageable payment plan. For more information, contact their customer service team.

First Flight Federal Credit Union: Is it a Scam or Legit?

First Flight Federal Credit Union Review: Is It Legit Or A Scam? 3

Members of First Flight Federal Credit Union have been getting the money they need since 1952. In addition to providing competitive rates on loans and credit products, they also provide helpful financial services. As a result, this credit union has a B- rating with the Better Business Bureau and only one star out of five based on customer reviews.

Whenever you are considering taking out a loan, make sure you compare all of your options and rates. You can choose the best option for you by reading customer reviews before making a decision. This will allow you to avoid taking out an unaffordable loan.

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