Rates
Rates designed with members in mind
Explore current loan and savings rates from Members 1st Credit Union.
Loan Rates
Effective date 10/1/26
| Loan1 | Maximum Term | APR2 |
|---|---|---|
| New & Used Auto – call for additional loan terms | ||
| 2016-2027 | Up to 42 months | 4.75%-15.75% |
| 2020-2027 | 43 – 66 months | 4.99%-15.99% |
| 2023-2027 | 67 – 72 months | 5.25%-16.25% |
| 2024-2027 | 73 – 84 months (A, B & C paper only) |
5.75%-8.25% |
| 2026-2027 | 85 – 120 months (A, B & C paper only) |
6.75%-7.25% |
| 2015 & older | Up to 36 months | 6.99%-17.99% |
| New & Used Boat, Motorcycle, RV, Trailer | ||
| 2016-2027 | Up to 42 months | 5.75%-16.75% |
| 2020-2027 | 43 – 66 months | 5.99%-16.99% |
| 2023-2027 | 67 – 72 months | 6.25%-17.25% |
| 2024-2027 | 73 – 84 months (A, B & C paper only) |
6.75%-9.25% |
| 2026-2027 | 85 to 120 months (A, B & C paper only) |
7.75%-8.25% |
| 2015 & older | Up to 36 months | 7.99%-18.99% |
| Line of Credit | ||
| Open end | 9.50% – 18.00% | |
| Signature Loan | ||
| 24 Months | 9.00% – 18.00% | |
| 25 – 36 Months | 10.00% – 18.00% | |
| 37 – 48 Months | 11.00% – 18.00% | |
| Share Secured | ||
| 24 Months | 1.49% | |
| 25 – 60 Months | 2.49% | |
| 61 – 84 Months | 3.49% | |
| Fixed-Rate 2nd Mortgage | ||
| More than $30,000 | 60 Months | 5.50%-7.50% |
| 84 Months | 5.75%-7.75% | |
| 120 Months | 6.25%-8.50% | |
| 180 Months | 6.75%-9.00% | |
| Less than $30,000 | 60 Months | 6.50%-8.50% |
| 84 Months | 6.75%-8.75% | |
| Home Equity Line of Credit | ||
| Open end | 6.50%-12.00% | |
1Members with direct deposit into their Members 1st account and use auto pay to make their loan payments receive a .25% discount on their vehicle, boat, motorcycle, RV, trailer and camper loan rate. 2APR=Annual Percentage Rate. Rates are based on individual creditworthiness and may change without notice. All loans are subject to credit approval.
Deposit Rates
Effective date 10/1/26
Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States government. National Credit Union Administration, a U.S. government agency.
| ACCOUNT | MINIMUM BALANCE1 | APY2 |
|---|---|---|
| Regular Shares | $5 | 0.15% |
| Christmas Shares | None | 0.15% |
| Real Estate Escrow | None | 0.15% |
| Special Shares | None | 0.15% |
| Youth Shares | $5 | 0.25% |
| IRA Shares | $100 | 0.25% |
| Money Market3 – Effective date 10/1/26 | ||
| $2,500 – $19,999 | $2,500 | 2.426% |
| $20,000 – $49,999 | $2,500 | 2.836% |
| $50,000 – $74,999 | $2,500 | 3.042% |
| $75,000+ | $2,500 | 3.247% |
| Certificates of Deposit – Effective date 10/1/26 (Substantial penalty for early withdrawal) | ||
| 6-month term | $1,000 | 3.804% |
| 12-month term | $1,000 | 3.063% |
| 24-month term | $1,000 | 3.804% |
| 36-month term | $1,000 | 3.804% |
| 48-month term | $1,000 | 3.804% |
| 60-month term | $1,000 | 3.804% |
1Minimum balance requirements apply to average daily balance (amount of principal in account each day). Dividends are declared, compounded and credited to your account specified in your Members 1st Credit Union account agreement and account disclosures. 2APY=Annual Percentage Yield. All dividends/deposit rates are variable and may change at any time. 3Dividends are earned on the entire balance, based on the tier in which your average daily balance falls.
Fee Schedule
Effective Date 11/1/26
| FEE | AMOUNT |
|---|---|
| Share Savings Account Fees | |
| Prime Share Overdraft Protection Transfer (to checking only) | $2 per transfer |
| Prime/Youth Share Account Closing or Reopening (if closed or reopened in first 3 months) | $5 |
| Statement Safekeeping Fee (if mail is returned with no good address) | $5 per month |
| Dormant Account Fee (if no activity in the last 24 month & no other services) | $5 per month |
| Share Draft/Checking Account Fees | |
| Returned Draft | $28 per item/representment |
| Courtesy Pay | $28 per item |
| Stop Payment | $28 per single item |
| Block Stop Payment (2 or more consecutive drafts) | $33 per block |
| Share Draft Copy | $5 per copy |
| Overdraft Transfer | $2 per transfer |
| Business Account | $10 per month |
| Electronic Funds Transfer Fees | |
| Foreign ATM Transaction (first 4 per month are free) | $1 per transaction |
| Replacement or Temporary Debit Card | $6 per card |
| Debit Card Expedited Fee | $50 per card |
| Foreign Transaction Fee (ISA fee – transactions processed outside of the United States, which may include internet transactions) | Up to 1% of transaction |
| Bill Pay Fees | |
| Bill Pay Overnight (check delivery) | $14.95 |
| Bill Pay Same Day (electronic) | $9.95 |
| Stop Payment | $15 |
| Other Service Fees Applicable to all accounts, unless noted differently | |
| Account Reconciliation/Research | $20 per hour |
| Cashier’s Check | $5 per check |
| Check Cashing for Members (up to $250 – if no other active services and total shares of less than $250, excludes youth accounts) | $5 per check |
| Check Cashing for Members (250+ – if no other active services and total shares of less than $250, excludes youth accounts) | 2% of check amount |
| Christmas Shares (early withdrawal) | $5 per withdrawal |
| Collection Item (incoming or outgoing) | $26 per item |
| Foreign Currency Fee | $10 each |
| Garnishments & IRS Levies | $20 per item |
| Message Pay (ACH) | $2 per transaction |
| Message Pay (Debit) | $5 per transaction |
| Money Order (up to $1,000) | $2 per money order |
| Mortgage Payoff Service | $30 per loan |
| Negative Debit Transaction | $28 per item |
| Non-Member Check Cashing (up to $250) | $5 per check |
| Non-Member Check Cashing ($250+) | 2% of check amount |
| Photocopy Service | $0.25 per page |
| Returned ACH | $28 per item/representment |
| Returned Checks for Loan Payment | $28 per check |
| Statement Copy Fee (current or previous) | $5 per statement |
| Transfer Now next-day | $2 |
| Transfer Now instant | $4 |
| Visa Gift Card | $4 per card |
| QuickMoney (domestic) | $30 per order |
| QuickMoney (international) | $50 per order |
| Wire Transfer (domestic) | $30 per transfer |
| Wire Transfer (international) | $40 per transfer |