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Become A Member

We do the banking. You do the living.

Become a Member   Make an Appointment

As a credit union, we put our members first.

We’ve been here in Michigan serving our community with easy and affordable banking since 1936. As a Michigan-born credit union, we provide local banking the way only locals can.

Whether it’s buying a new home, starting a small business, or saving for retirement, at Members First, we’re here to empower you in your journey of wellbeing.

Joy in purpose. Here at Members First, that’s at the heart of everything we do.

Come join us.

Become a Member   Make Appointment

About us

Learn all about Members First, where we came from and what drives us forward.


How to open a new account

What you need to get started.

Member discounts and perks

Learn about loan rate and insurance discounts, and other perks available to members.

We proudly serve:

  • Persons who live, work, attend school or worship within any county in the State of Michigan.
  • Persons in the immediate family of existing members.

How to open a new account

As a financial cooperative, every member is required to have a primary savings account that signifies that you are a part owner of the credit union. Opening a primary savings account only requires a $5 minimum opening deposit.

If you have not opened an account with Members First Credit Union yet, apply online or schedule an appointment. If you schedule an appointment at a branch, be sure to bring your current driver’s license or state issued ID, along with your minimum opening deposit of $5.


Member discounts and perks

Members get access to discounts and perks, like loan discounts, insurance discounts, Love My Credit Union Rewards and more.


Loan rate discounts

Our members can receive loan rate discounts of up to .5% off eligible loan rates* when utilizing one or more of the following services:

  • Direct Deposit. Receive a .25% rate deduction when your next payroll is directly deposited into your Members First Credit Union checking account.
  • Certificate of Deposit. Receive a .25% rate reduction with a certificate of deposit of $5,000 or more.
  • Another loan or mortgage. Receive a .25% rate reduction with another loan or mortgage with at least a $5,000 beginning balance at Members First Credit Union.

*Excludes Visa Credit Cards, Prime Line of Credit and mortgage loans. Rate may increase back to original rate if you no longer meet the criteria for rate reduction at any time during the term of the loan.

Member discounts

Members First has partnered with numerous vendors to offer our members discounts on select products and services.

Love My Credit Union Rewards

Check out the different companies that credit unions have teamed up with to provide you with discounts!

Learn More

Tax Services

Take advantage of exclusive, members-only savings on tax solutions with TurboTax and H&R Block that will help make filing your taxes easy.

Learn More


TruStage Insurance

Insurance is an important part of a solid financial plan.

Get a quote or explore your options at TruStage.com.

Learn More


TruStage® insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company, PO Box 61, Waverly IA 50677-0061. Auto and Home Insurance Program are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

© TruStage Insurance Agency

Branch services

Members can take advantage of free notary services and night deposit boxes at every branch location. Some branches have coin counting machines and safety deposit boxes for your convenience.

Become a Member

Come join us.

Become a Member   Make an Appointment

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