Holidays Happen 2021



Let members first help you make the holidays happen for everyone on your list this year


Even Santa needs help around the Holidays. Stop by your local branch and let our elves team bring some MERRY to your Christmas season!

Members First is here for when you forget to budget for the higher bill to heat the house, the cost of updating the room extended family is going to stay in when they visit, or just how many gifts you end up buying for yourself (we’ve all been there, no judgement). 

We have all kinds of solutions to accomplish everything on your list and make the Holidays Happen with less stress.

Whatever loan, MFCU Visa, skip-a-pay, and personal loans!


Schedule an appointment or stop by your local branch today!

WHATEVER LOAN: A $125 processing fee will be assessed and may be funded with the loan, bringing total loan amount to $1,125. In order to receive the Whatever Loan, you must not have caused MFCU a loss, must be at your place of employment for at least 6 months, have direct deposit in your checking account at MFCU before funds will be disbursed, and be eligible for membership. A Whatever Loan of $1,125, covered with life and disability insurance, will have 12 monthly payments of $93.75 and an annual percentage rate of 22.378% APR. Insurance not required. Additional restrictions may apply. VISA: Approval and credit limit based on credit worthiness. Some restrictions may apply. Double points promotion expires 12/31/21. MORE TERMS ON BACK PERSONAL LOAN: Loan subject to credit approval. Some restrictions apply

SKIP-A-PAY: All loans must be current to qualify for a Skip-A-Pay. A Skip-A-Pay will not be granted if you have caused the credit union a loss, have any charged off loans that were not redeemed or have a current Trouble Debt Restructure or Loan Modification. First Mortgages, Second Mortgages, Home Equity Line of Credit Loans, Prime Line of Credit Loans, Overdraft Line of Credit Loans, Balloon Loans, ERN Bridge Loans, Whatever Loans, Business Loans and VISA cannot be postponed. Loans with active creditor-placed insurance, and those being paid by disability insurance, are ineligible for Skip-A-Pay. A $25 fee will be charged for any skipped payment. Skipped payment will be added to the end of your loan and the date of the final payment will be adjusted to account for the skipped payment. Interest will accrue on the balance of the loan during the skipped payment, and may cause an increased final payment. The credit union reserves the right to disapprove any request for postponement with proper notification and disclosure. Other restrictions may apply.

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12/21/2021 12:54 PM Kenneth R. from Midland , MI
In order to help people I find it incredibly wrong that you charge a $125 processing fee and 23% interest. I thought this Member owned Credit Union was supposed to help people not insure that you bury them in additional debt with those charges. We are now considering moving our accounts out of this credit union. Not sure if those charges are even legal. Company should be ashamed for these predatory practices.
Reply From Members First Credit Union:

Hi Kenneth,

We apologize any negative experience you might have had and we appreciate your feedback. We will pass this comment along. If you would like to provide additional information please email or give us a call at 855.835.6328. 

Thank you

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