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 with a custom deck, patio or go-to entertainment area.
With rates as low as 6.75% 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.
*Annual Percentage Rate. Loans offered with approved credit. Offer subject to change without notice. Additional restrictions may apply, see credit union for details. Federally insured by NCUA. NMLS#461085
Water Filtration System Loan as low as 5.74% APR* with a MEMBERS1st Cares loan for a whole home water filtration system.
Stop by your local MEMBERS1st branch for a free water quality test kit, while supplies last.
*Annual Percentage Rate (APR) is based on the borrower’s creditworthiness. Not all borrowers will receive the same rate. Only one loan per qualified member. Minimum loan amount of $1,000, distributed directly to water filtration system vendor. Offer subject to change without notice. Average payment of $151.52 when you borrow $5,000 for 36 months at 5.74% APR and make equal monthly payments.
Get RETIREMENT READY with Our “10 or 15 & Done” Loan
If retirement is 10-15 years away, start building your debt-free strategy now & enjoy rates as low as 4.99% APR*!
With our “10 or 15 & Done” loan, you can:
- Pay off your mortgage before you retire
- Combine debt into one easy payment
- Borrow up to 85% LTV with no mortgage insurance, low closing costs, and just a 1% origination fee
*Annual Percentage Rate. Rate accurate as of 8/1/2026. 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#461085
Purchase Discounted Tickets to Phantom Fall Fest at Adventureland
As a member of MEMBERS1st Community Credit Union, you can purchase tickets for $29.99 to Adventureland’s Phantom Fall Fest, which runs Sept. 26-Oct. 31!
A portion of every ticket and pass sold helps support credit union advocacy efforts. Proceeds support the Credit Union Political Action Committee (CUPAC). Contributions are not tax deductible, and corporate contributions are prohibited.
*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 April 01, 2026, VAPR is 11.15% – 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.
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.