Your home has grown in VALUE—now it’s time to grow it in SIZE
A home equity loan or line of credit can provide the funding you need to expand your living space this spring with a custom deck, patio, pool or go-to entertainment area.
With rates as low as 6.24% APR*
now is a great time to start your project & we can help.
*APR=Annual Percentage Rate. Rate Determined By Credit Score. All loans subject to approval. Rates, terms and conditions subject to change, and vary based on creditworthiness, qualifications and collateral condition. HELOC Rate is calculated by The Wall Street Journal Prime Rate plus 4.40% to 15.40% margin (margin depends on credit worthiness). Rates are subject to change at any time. Equal Housing Opportunity. Federally Insured by NCUA.
Get PREAPPROVED for an Auto Loan
& Make NO PAYMENTS for 90 Days
When you get preapproved for an auto loan with us, you’ll enjoy:
- an easy online application
- guidance on a vehicle price to fit your budget
- no payments for 90 days
- Rates as low as 4.49% APR*
Plus, you’ll always work with knowledgeable lenders who are here to answer your questions and help you every step of the way.
Get expert help. Shop with confidence.
Finance Your SUMMER FUN VEHICLE
for as Little as $88/month!*
Motor Homes, Campers, Snowmobiles,
Motorcycles, Boats, Trailers, ATVs & more!
*Payment based on 2024-2026 model years at 6.49% Annual Percentage Rate for 180 months. Other rates and terms available. Not all vehicles will qualify for 180-month term. Rates, terms and conditions subject to change, and vary based on creditworthiness, qualifications and collateral condition. All loans subject to approval. Not all borrowers will qualify. See credit union for details. Federally insured by NCUA.
One Payment, LESS STRESS
Debt isn’t just a burden; it’s a distraction and can be tough to manage. Let us help you streamline your debts, save money each month, and take control of your budget.
One payment | Lower rates | Get out of debt sooner
Consolidate all of your debt with MEMBERS1st & then sit back and relax.
All loans offered with approved credit and membership qualifications. Additional restrictions may apply, see credit union for details. Federally insured by NCUA. NMLS#461085
2026 COLLEGE SCHOLARSHIPS
We’re offering five (5) $1,000 College Scholarships to high school seniors who will be graduating in spring 2026 and post-high school, continuing education students and current college students. Entries must be submitted no later than March 31, 2026 at 11:59 p.m. central time.
*APR (Annual Percentage Rate) on balance transfers and purchases for the first 12 months for qualified applicants. 2.99% – 11.84% Introductory APR for qualified members; your rate is determined by creditworthiness.
**After 12 months the current Variable Annual Percentage Rate (VAPR) will apply.
***As of January 01, 2026, VAPR is 11.40% – 21.00%. Not all applicants will qualify for an introductory rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval. Federally insured by NCUA.
Reach Your SAVINGS GOALS with a MEMBERS1st CD Special!
9-month CD Special: 4.00 APY*
18-month CD Special: 3.75 APY*
Call: (800) 245-6199 or stop into a branch to open a CD Special today!
*APY = Annual Percentage Yield. Rate subject to change without notice. Penalty for early withdrawal. APY is accurate as of 01/01/2026. Minimum $500. Some restrictions may apply.
REFRESH Your Home & PAY IT OFF Sooner
Our 10 OR 15 & Done Mortgage Loan is a great way to use your home’s equity to refresh your home inside & out and payoff your mortgage sooner!
- Secure a great rate
- Lower your monthly payments
- Enjoy low closing costs, no mortgage insurance & just a 1% origination fee!
Rates as low as 4.87% APR*
Annual Percentage Rate for a 10-year term. The rate for a 15 year term is 4.99% APR. Rates accurate as of 1/1/2026. Rates, terms and conditions subject to change, and vary based on creditworthiness, qualifications and other factors. All loans subject to approval. Not all borrowers will qualify. Suggested minimum loan amount of $30,000. Offer applicable to 85% of determined property value. An appraisal is required for loans with a loan-to-value greater than 80% and is the member’s responsibility. The range of costs for the appraisal is generally between $450-$700 but can vary. Property
insurance required. If your property is in a flood plain flood insurance is required. Other restrictions may apply. See credit union for details. Federally insured by NCUA. Equal Housing Opportunity.
NMLS#46108
Earn 7% APY*on balances up to $5K with YIELD 1st Checking!
Spend on what you want, with Debit or Credit, and EARN on what you SAVE!
*APY = Annual Percentage Yield. Rate as of 6/1/2025. 0.10% APY on balance above $5,000. Rate subject to change. Must be enrolled in eStatements, log into online banking, have 20 card purchase transactions, and ACH deposit of $500+ per month to qualify. Maximum of one Rewards (dividend/cashback) Checking Account per individual. Federally Insured by the NCUA.
Receive 1% Cashback*on Debit Card purchases, up to $10/month, with USE 1st Checking!
*Must be enrolled in eStatements, log into online banking, have 20 card purchase transactions, and ACH deposit of $500+ per month to qualify. Maximum of one Rewards (dividend/cashback) Checking Account per individual. Federally Insured by the NCUA.