Rates - MEMBERS1st Community Credit Union

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CD Rates
Loan Rates
Credit Card Rate
Calculators
Fee Schedule

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Rates effective: 12/01/2023

SHARE SAVINGS (min. $100 to earn dividends) Join MEMBERS1st Now!	Interest Rate	Annual Percentage Yield
$100.00-$999.99	0.10%	0.10%
$1,000.00-$9,999.99	0.10%	0.10%
$10,000.00-$24,999.99	0.10%	0.10%
$25,000.00-$49,999.99	0.10%	0.10%
$50,000.00+	0.10%	0.10%

SECONDARY SHARES (min. $50 to earn dividends) Open a Secondary Share account online now!	Interest Rate	Annual Percentage Yield
$50.00-$999.99	0.10%	0.10%
$1,000.00-$9,999.99	0.10%	0.10%
$10,000.00-$24,999.99	0.10%	0.10%
$25,000.00-$49,999.99	0.10%	0.10%
$50,000.00+	0.10%	0.10%

ADDITIONAL SHARES	Interest Rate	Annual Percentage Yield
Set-a-Goal Savings (no min. to earn dividends) Contact us to open.	0.15%	0.15%
Virtual Coin Jar (no min. to earn dividends) Open online now!	0.10%	0.10%
IRA Share Savings (no min. to earn dividends) Contact us to open.	0.30%	0.30%
Holiday Club (no min. to earn dividends) Open online now!	0.15%	0.15%
FREE Checking Contact us to open.	0.00%	0.00%

LIQUIDITY1^st (min. $1,000 to earn dividends) Open a Liquidity1^st account online now!	Interest Rate	Annual Percentage Yield
$1,000.00-$9,999.99	0.50%	0.50%
$10,000.00-$24,999.99	0.50%	0.50%
$25,000.00-$49,999.99	0.50%	0.50%
$50,000.00+	0.70%	0.70%

MONEY MARKET SAVINGS $2,500 minimum to open & earn dividends. Minimum withdrawal of $500. Available to transfer via It’sMe247 Online Banking service, and can also be opened in Online Banking. No checks can be issued with this account.Open a Money Market Savings account online now!	Interest Rate	Annual Percentage Yield
$2,500.00 – $9,999.99	1.00%	1.01%
$10,000.00 – $24,999.99	1.15%	1.16%
$25,000.00 – $49,999.99	1.55%	1.56%
$50,000.00 – $99,999.99	1.75%	1.76%
$100,000.00 – $199,999.99	2.00%	2.02%
$200,000.00+	2.25%	2.27%

CERTIFICATES OF DEPOSIT Open a CD online now!	Interest Rate	Annual Percentage Yield
6 months ($500.00+)	2.50%	2.53%
9 month CD Special ($500.00+) Limited Time CD Special!	5.84%	6.00%
12 months ($500.00+)	2.90%	2.94%
15 months ($500.00+)	2.95%	2.99%
18 months ($500.00+)	3.00%	3.04%
18 month CD Special ($500.00+) Limited Time CD Special!	5.37%	5.50%
24 months ($500.00+)	3.10%	3.15%
30 months ($500.00+)	3.05%	3.09%
36 months ($500.00+)	3.00%	3.04%
48 months ($500.00+)	2.90%	2.94%
60 months ($500.00+)	2.80%	2.84%
Kids1^st (available to members under age 18 only) 12 months ($100.00-$1,000.00)	3.25%	3.30%
Kids1^st (available to members under age 18 only) 24 months ($100.00-$1,000.00)	3.50%	3.56%

IRA CERTIFICATES OF DEPOSIT Contact us or stop in to open an IRA!	Interest Rate	Annual Percentage Yield
9 month CD Special ($500.oo+) Limited Time CD Special!	5.84%	6.00%
12 months ($500.00+)	2.90%	2.94%
18 month CD Special ($500.00+) Limited Time CD Special!	5.37%	5.50%
24 months ($500.00+)	3.10%	3.15%
36 months ($500.00+)	3.00%	3.04%
48 months ($500.00+)	2.90%	2.94%
60 months ($500.00+)	2.80%	2.84%

NEW & USED AUTOS/TRUCKS (2021 – 2024) Up to 100% financing available Apply for a 2021-2024 Auto Loan now!	Annual Percentage Rate as low as
Up to 48 Months	6.19%**
49-60 Months	6.49%**
61-72 months (loan must be $18,001 or more)	6.99%**

USED AUTOS/TRUCKS (2017-2020) Up to 100% financing available Apply for a 2017-2020 Auto Loan now!	Annual Percentage Rate as low as
Up to 48 months or less	6.69%**
49-60 months	6.99%**
61-72 months	7.49%**

USED AUTOS/TRUCKS (2014-2016) Up to 100% financing available Apply for a 2014-2016 Auto Loan now!	Annual Percentage Rate as low as
Up to 36 months	7.49%**
37-48 months	7.79%**
49-60 months	8.29%**

OLDER AUTOS/TRUCKS (2013 & Older) Up to 100% financing available Apply for a 2013 or older Auto Loan now!	Annual Percentage Rate as low as
Up to 36 months	9.49%**
37-48 months	9.79%**

SEASONAL VEHICLES (2021-2024) Motor Home/Camper/Snowmobile/Motorcycle/Boat/Trailer/ATV/etc. Up to 100% financing available Apply for a 2021-2024 Seasonal Vehicle Loan now!	Annual Percentage Rate as low as
Up to 60 months	6.99%**
61-84 months	7.49%**
85-120 months (Motor-home/camper only)	7.99%**
121-180 months (Motor-home/camper only)	8.49%**

SEASONAL VEHICLES(2017-2020) Motor Home/Camper/Snowmobile/Motorcycle/Boat/Trailer/ATV/etc. Up to 100% financing available Apply for a 2017-2020 Seasonal Vehicle Loan now!	Annual Percentage Rate as low as
Up to 60 months	8.09%**
61-84 months (Motor-home/camper only)	8.59%**
85-120 months (Motor-home/camper only)	10.59%**

SEASONAL VEHICLES(2016 & Older) Motor Home/Camper/Snowmobile/Motorcycle/Boat/Trailer/ATV/etc. Up to 100% financing available Apply for a 2016 & older Seasonal Vehicle Loan now!	Annual Percentage Rate as low as
Up to 60 months	10.09%**
61-84 months (Motor-home/camper only)	11.09%**

FIRST MORTGAGE LOANS Apply for a First Mortgage Loan now!	Annual Percentage Rate as low as
Our member-friendly mortgage options include great rates, low fees, and easy financing, all with home loan experts who can answer your questions and guide you toward the best option. Real estate closing costs/fees vary based on loan amount, location and type of loan, so please call us for more information or a quote, or visit our mortgage page for more details.	Call 1-800-245-6199 for current rates!

HOME EQUITY LOANS Apply for a Home Equity Loan now!	Annual Percentage Rate as low as
Home Equity Loans-2nd lien position
36-120 months Please call us for terms greater than 120 months.	6.00%**
Home Equity Line-of-Credit Loans	Call 1-800-245-6199 for rates & terms.

HOME EQUITY LOANS
Apply for a Home Equity Loan now!

Annual Percentage
Rate as low as

Home Equity Loans-2nd lien position

36-120 months

Please call us for terms greater than 120 months.

6.00%**

Home Equity Line-of-Credit Loans

Call
1-800-245-6199
for rates & terms.

SIGNATURE LOANS Apply for a Signature Loan now!	Annual Percentage Rate as low as
Up to 36 months	12.49%**
37-60 months	13.49%**

ME1st LINE-OF-CREDIT Apply for a ME1^st Line-of-Credit now!	Annual Percentage Rate as low as
Min. loan amount of $1,000; Max. $10,000	10.90%

CERTIFICATE SECURED LOANS Apply for a Certificate Secured Loan now!	Annual Percentage Rate as low as
2.25% APR* above rate of CD (rounded to nearest .25%)	–
**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. Contact us for full disclosures and a payment calculation, if needed.

CERTIFICATE SECURED LOANS
Apply for a Certificate Secured Loan now!

Annual Percentage
Rate as low as

2.25% APR* above rate of CD (rounded to nearest .25%)

–

**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. Contact us for full disclosures and a payment calculation, if needed.

CREDIT CARDS Apply for a Ca$hback Credit Card online!	Variable Annual Percentage Rate
Visa Platinum Ca$hback	12.90% VAPR***
View the required credit card application disclosures. ***VAPR=Variable Annual Percentage Rate. Rate is calculated by The Wall Street Journal Prime Rate plus 4.40% to 21.00% margin (margin depends on credit worthiness). Rates are subject to change at any time.

Apply For A Loan Apply For A First Mortgage Loan

Apply For A Loan
Apply For A First Mortgage Loan