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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 1/1/26


Loan Rates Table
Loan1Maximum TermAPR2
New & Used Auto - call for additional loan terms
2015-2026Up to 42 months4.50%-15.50%
2019-202643 - 66 months4.75%-15.75%
2022-202667 - 72 months5.00%-16.00%
2023-202673 - 84 months5.50%-8.00%
2025-202685 - 120 months
(President must approve)		6.75%-17.75%
2014 & olderUp to 36 months6.75%-17.75%
New & Used Boat, Motorcycle, RV, Trailer
2015-2026Up to 42 months5.50%-16.50%
2019-202643 - 66 months6.75%-17.75%
2022-202667 - 72 months6.00%-17.00%
2023-202673 - 84 months6.50%-9.00%
2025-202685 to 120 months7.50%-8.00%
2014 & OlderUp to 36 months7.75%-18.75%
Line of Credit
Open end9.50% - 18.00%
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 Months5.50%-7.50%
 84 Months5.75%-7.75%
 120 Months6.25%-8.50%
 180 Months6.75%-9.00%
Less than $30,00060 Months6.50%-8.50%
 84 Months6.75%-8.75%
Home Equity Line of Credit
 Open end6.25%-11.75%

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.