Shovel In the SAVINGS with Auto Loan Rates as low as 4.99% APR*!
Refinance your auto loan from another lender to MEMBERS1st & pay no fees to refinance† & make NO PAYMENTS for 90 days! Plus enjoy up to 110% financing to cover extras—like accessories, protection plans, and warranties.
We do all the work. You do all the saving.
*Annual Percentage Rate. Loans offered with approved credit. Offer subject to change without notice. †No fees when refinanced from another lender, other than title fees, which are the members’ responsibility. Additional restrictions may apply, see credit union for details. Federally insured by NCUA. NMLS#461085
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.
Use Your Home’s EQUITY to Consolidate DEBT
With our 10 & Done Mortgage Loan, you can use your home’s equity to:
- Consolidate high-interest debt into one easy payment
- Lower your monthly payments
- Add some wiggle room to your budget
Rates as low as 4.75% APR*
Stop juggling multiple payments & start feeling in control.
*Annual Percentage Rate. Rate 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.