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All Rates

Current Rates

Members First Credit Union offers a variety of options to choose from with the most competitive rates, quality service and beneficial dividends. All savings are federally insured by the National Credit Union Administration (NCUA), a U.S. governmental agency.

Savings Accounts
Effective Date: Monday, July 22nd, 2024
Please contact us or stop into a branch to verify the current rate.
Account TypeDividend RateAnnual Percentage YieldMinimum Balance
Regular Shares * 0.15% 0.15% $5.00
Kid's Club* 0.15% 0.15% $5.00
Student Club* 0.15% 0.15% $5.00
Christmas Club* 0.15% 0.15% N/A
Special Savings * 0.15% 0.15% N/A
*Dividends are calculated by the daily balance method and credited on the last day of each quarter.
Rates are variable and may change after account is opened.
Rates and terms are subject to change as determined by the Board of Directors.
Savings Calculators

Share Draft Checking
Effective Date: Monday, July 22nd, 2024
Please contact us or stop into a branch to verify the current rate.
Account TypeDividend RateAnnual Percentage YieldMinimum Balance
eChecking Package** 0.12% 0.12% $1,000.00
Advantage 60 Checking Package (Age 60 and up).** 0.10% 0.10% $1,000.00
Rates and terms are subject to change as determined by the Board of Directors.
** If your account balance falls below $1,000.00 any day during the dividend period, you will not earn any dividends for that day. Dividends are calculated by the daily balance method and credited on the last day of each month.
Budgeting Calculator

Premier Checking Rates
Effective Date: Monday, July 22nd, 2024
Please contact us or stop into a branch to verify the current rate.
Minimum BalanceDividend RateAnnual Percentage Yield
$0 - $999.99 N/A N/A
$1,000 - $2,499** 0.07% 0.07%
$2,500 - $9,999** 0.10% 0.10%
$10,000+** 0.15% 0.15%
Rates and terms are subject to change as determined by the Board of Directors.
** If your account balance falls below $1,000.00 any day during the dividend period, you will not earn any dividends for that day. Dividends are calculated by the daily balance method and credited on the last day of each month.
Budgeting Calculator

Money Market Account
Effective Date: Monday, July 22nd, 2024
Please contact us or stop into a branch to verify the current rate.
BalanceAnnual Percentage Yield
$0 - $500.00 4.00%
$500.01 - $1,000.00 1.75%
$1,000.01 - $10,000.00 0.55%
$10,000.01 - $25,000.00 1.01%
$25,000.01 - $50,000.00 1.26%
$50,000.01 - $100,000.00 1.51%
$100,000.01 - $200,000.00 1.76%
$200,000.01 + 2.02%
Dividends are determined based on a tiered rate method. This means that the interest rate paid on the entire balance in your money market account will be determined by the tier in which your current balance resides. Dividends are calculated by the daily balance method and credited on the last day of each month. Rates are variable and may change after the account is opened.
Savings Calculators

Individual Retirement Account (IRA) Savings
Effective Date: Monday, July 22nd, 2024
Please contact us or stop into a branch to verify the current rate.
Account TypeDividend RateAnnual Percentage YieldMinimum Balance
Individual Retirement Account 0.15% 0.15% N/A
Rates are variable and may change after account is opened.
Rates and terms are subject to change as determined by the Board of Directors.
Retirement Savings Calculators

Certificates of Deposit and IRA Certificates of Deposit
Effective Date: Monday, July 22nd, 2024
Please contact us or stop into a branch to verify the current rate.
TermsInterest RateAnnual Percentage YieldMinimum Opening Deposit
6 Months 4.65% 4.75% $500.00
9 Months 4.41% 4.50% $500.00
12 Months 4.17% 4.25% $500.00
15 Months 3.93% 4.00% $500.00
24 Months 3.44% 3.50% $500.00
27 Months 3.44% 3.50% $500.00
36 Months 3.20% 3.25% $500.00
48 Months 2.96% 3.00% $500.00
60 Months 2.96% 3.00% $500.00

For members under the age of 18 the required minimum balance on all CDs is $100.00. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. A penalty may be assessed for early withdrawals. Fees and withdrawals of funds from this account prior to maturity will reduce earning.

CDs & Savings Calculators

Premier Business Checking
Effective Date: Monday, July 22nd, 2024
Please contact us or stop into a branch to verify the current rate.
BalanceDividend RateInterest Rate
$0 - $499.99 N/A N/A
$500 - $9,999.99 0.15% 0.15%
$10,000 - $49,999.99 0.17% 0.17%
$50,000 - 249,999.99 0.20% 0.20%
$250,000 and above 0.25% 0.25%
Rates are variable and may change after account is opened.
Rates and terms are subject to change as determined by the Board of Directors.

 

Loan Rates

Auto Loan Rates
Effective Date: Monday, July 22nd, 2024
Please contact us or stop into a branch to verify the current rate.
TermsAPR as low as*Payment per $1,000
Up to 48 Months 6.99% $23.95
Up to 60 Months 6.99% $19.81
Up to 72 months 7.24% $17.17
Up to 84 Months** 7.74% $15.47
*APR = Annual Percentage Rate. Rates may be higher than advertised. Final rate is determined by loan applicant’s creditworthiness, qualifications and collateral conditions. All rates are subject to change. 
**A minimum loan amount of $25,000 required.
Auto Payment Calculator

Recreational Vehicles
Effective Date: Monday, July 22nd, 2024
Please contact us or stop into a branch to verify the current rate.
TermsAPR as low as*Payment per $1,000
Up to 60 Months (longer terms are available) 7.99% $20.28
Up to 84 Months 8.74% $15.97
Up to 144 Months** 8.99% $11.38
Up to 180 Months*** 9.24% $10.30

*APR = Annual Percentage Rate. Rates may be higher than advertised. Final rate is determined by loan applicant’s creditworthiness, qualifications and collateral conditions. All rates are subject to change. 

**Minimum amount financed is $20,001.00. Maximum amount financed is $50,000.00.

***Minimum amount financed is $50,001.00. Maximum amount financed is $200,000.00.

Share Pledge Loans
Effective Date: Monday, July 22nd, 2024
Please contact us or stop into a branch to verify the current rate.
TermsAPR*Payment per $1,000
Up to 60 Months 4.00% $18.42
*APR = Annual Percentage Rate. Loan is subject to credit approval. All rates are subject to change.
**A minimum loan amount of $25,000 required.
Loan Payment Calculator

Unsecured Personal Loan
Effective Date: Monday, July 22nd, 2024
Please contact us or stop into a branch to verify the current rate.
TermsAPR as low as*Payment per $1,000
Up to 84 Months 11.24% $17.26
*APR = Annual Percentage Rate. Rates may be higher than advertised. Final rate is determined by loan applicant’s creditworthiness, qualifications and collateral conditions. All rates are subject to change. 

VISA® Credit Cards
Effective Date: Monday, July 22nd, 2024
Please contact us or stop into a branch to verify the current rate.
CardTermsAnnual Percentage Rate
Visa® Platinum up to $30,000 ; open-end line of credit 9.59-17.90%
Visa® Platinum Rewards up to $30,000 ; open-end line of credit 10.59-15.90%
Visa® Share Secured up to $10,000 ; open-end line of credit 7.75%
APR = Annual Percentage Rate. Actual rate based on credit. All rates are subject to change.
Credit Card Payoff Calculator

Prime Line of Credit
Effective Date: Monday, July 22nd, 2024
Please contact us or stop into a branch to verify the current rate.
TermsAPR as low as**
Up to $25,000; open-end line of credit 12.75%
**APR = Annual Percentage Rate. Rates featured are listed “as low as” and could be different based on creditworthiness and qualifications. All rates are subject to change.
Loan Payment Calculator

First Mortgages
Effective Date: Monday, July 22nd, 2024
Please contact us or stop into a branch to verify the current rate.
TermsInterest RateAPR as low as**Payment per $1,000
30 Year 6.625% 6.69% $6.41
20 Year 6.125% 6.21% $7.24
15 Year 6.250% 6.35% $8.58
10 Year 6.000% 6.14% $11.10
Rural Development Available upon request Available upon request Available upon request
Payments do not include taxes and insurance. Actual payments may be higher.
**APR = Annual Percentage Rate. Rates featured are listed “as low as” and could be different based on creditworthiness, qualifications and collateral conditions. All rates are subject to change.
Mortgage Calculator

Second Mortgage/Home Equity Installment Loans
Effective Date: Monday, July 22nd, 2024
Please contact us or stop into a branch to verify the current rate.
TermsAPR as low as**Payment per $1,000
15 year term, 100% loan-to-value or Less 10.350% $10.90
**APR = Annual Percentage Rate. Rates featured are listed “as low as” and could be different based on creditworthiness, qualifications and collateral conditions. All rates are subject to change.
Mortgage Calculator

Home Equity Lines of Credit
Effective Date: Monday, July 22nd, 2024
Please contact us or stop into a branch to verify the current rate.
TermsAPR as low as**

Based on the Prime rate, adjusted quarterly. Loan amounts $5,000.00 to $100,000.00. Loan-to-value up to 100%.

8.50%
Maximum APR 18.00%.
Rates are subject to change.
**APR = Annual Percentage Rate. Rates featured are listed “as low as” and could be different based on creditworthiness, qualifications and collateral conditions. All rates are subject to change.
Mortgage Calculator

Land Loans
Effective Date: Monday, July 22nd, 2024
Please contact us or stop into a branch to verify the current rate.
TermsAPR as low as**Payment per $1,000
2-year balloon with maximum amortized term of 15 years 8.240% $9.70
**APR = Annual Percentage Rate. Rates featured are listed “as low as” and could be different based on creditworthiness and qualifications. All rates are subject to change.
Mortgage Calculator

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