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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 4/1/25


Loan Rates Table
Loan1Maximum TermAPR2
New & Used Auto - call for additional loan terms
2014 - 2025Up to 42 months5.00% - 16.00%
2018 - 202543 - 66 months5.25% - 16.25%
2021 - 202567 - 72 months5.50% - 16.50%
2022 - 202573 - 84 months5.99% - 8.49%
2024 - 202585 - 120 months
(President must approve)		6.99% - 7.49%
2013 & OlderUp to 36 months7.25% - 18.25%
New & Used Boat, Motorcycle, RV, Trailer
2014 - 2025Up to 42 months6.00% - 17.00%
2018 - 202543 - 66 months6.25% - 17.25%
2021 - 202567 - 72 months6.50% - 17.50%
2022 - 202573 - 84 months6.99% - 9.49%
2024 - 202585 to 120 months7.99% - 8.49%
2013 & OlderUp to 36 months8.25% - 19.25%
Line of Credit
Open end7.00% - 12.50%
Signature Loan
 24 Months9.00% - 18.00%
 25 - 36 Months10.00% - 18.00%
 37 - 48 Months11.00% - 18.00%
Share Secured
 24 Months1.49%
 25 - 60 Months2.49%
 61 - 84 Months3.49%
Fixed-Rate 2nd Mortgage
More than $30,00060 Months6.00% - 8.50%
 84 Months6.25% - 8.75%
 120 Months6.75% - 9.00%
 180 Months8.25% - 9.25%
Less than $30,00060 Months7.00% - 9.25%
 84 Months7.25% - 9.50%
Home Equity Line of Credit
 Open end7.00% - 12.50%

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.