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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 5/1/21


Loan Rates Table
Loan1Maximum TermAPR2
New & Used Auto
2011 – 2022Up to 42 months2.00% - 13.00%
2016 – 202243 – 66 months2.25% - 13.25%
2019 – 202267 – 72 months2.75% - 13.75%
2019 – 202273 – 84 months2.99% - 5.50%
2010 & OlderUp to 36 months3.75% - 14.75%
New & Used Boat, Motorcycle, RV, Trailer
2011 – 2022Up to 42 months3.00% - 14.00%
2016 – 202243 – 66 months3.25% - 14.25%
2019 – 202267 – 72 months3.75% - 14.75%
2019 – 202173 – 84 months3.99% - 6.50%
2019 – 202285 to 120 months3.99% - 4.50%
2010 & OlderUp to 36 months4.75% - 15.75%
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.