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Members 1st Credit Union assists its members through a wide assortment of products and services to make sound financial decisions that lead to their improved financial well-being.

Loan Rates


Effective date 1/1/23


Loan Rates Table
Loan1Maximum TermAPR2
New & Used Auto
2012 - 2023Up to 42 months4.25% - 15.25%
2017 - 202343 - 66 months4.75% - 15.75%
2020 - 202367 - 72 months5.25% - 16.25%
2021 - 202373 - 84 months5.75% - 8.25%
2011 & OlderUp to 36 months6.25% - 17.25%
New & Used Boat, Motorcycle, RV, Trailer
2012 - 2023Up to 42 months5.25% - 16.25%
2017 - 202343 - 66 months5.75% - 16.75%
2020 - 202367 - 72 months6.25% - 17.25%
2021 - 202373 - 84 months6.75% - 9.25%
2021 - 202385 to 120 months6.99% - 7.49%
2011 & OlderUp to 36 months7.25% - 18.25%
Line of Credit
Open end9.00% - 18.00%
Signature Loan
 24 Months8.00% - 18.00%
 25 - 36 Months9.00% - 18.00%
 37 - 48 Months10.00% - 18.00%
Visa® Credit Card (4% min. payment required)
RewardsOpen end 
PlatinumOpen end 
Share Secured
 24 Months1.49%
 25 - 60 Months2.49%
 61 - 84 Months3.49%

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 loan rate. 2APR=Annual Percentage Rate. Rates are based on individual creditworthiness and may change without notice. All loans are subject to credit approval.