Borrow Wisely

Treat Yourself

Whether it's your first house, a new car, or that family vacation you've been putting off for far too long, we're here to help you get there.

Borrowing for life's moments and milestones

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Visa® Credit Cards

Whether you're after cash back rewards, points, great rates, or a secured card to help rebuild your credit score, we've got an option that's right for you.

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Hit the Road

Hear that? It's the open road calling. At Members 1st, we make getting an auto loan simpler than you ever thought possible.

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Off to College

College isn't cheap, but with a little thoughtful preparation, there are several ways to help cover dorm rooms, books, tuition, and of course, spring break.

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Buying a House

We believe finding the perfect mortgage should be delightfully easy. And if that sounds too good to be true, you don't know how we do things around here.

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Cashing In

Need to foot an unexpected bill? A home equity loan lets your home's value work for you.

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Recreational Vehicle

Desperately need to go off the grid or just lose WiFi? We've got you covered, with great rates that make buying a boat or RV more affordable than ever.

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Burn Rubber

Four wheels are overrated. We have everything you need to buy that bike that's caught your eye or—let's be real—stolen your heart.

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Additional Expenses

Unplanned expenses have you in a pinch? A personal loan with Members 1st can help you consolidate debt or pay for emergencies, medical bills, home repairs, and more—no collateral required.

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Clearing your debt

Looking to pay off your loan a little early? Beautiful. Here's everything you need to start a loan payoff.

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Support along the way

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Concierge Service

Have questions? Good thing you have MyConcierge™. Half personal sidekick, half financial wizard, your concierge knows money management like the back of their hand. Best of all, they're always ready to help.

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Discounts for loyal members

When we see a chance to give back to our members, we take it. Our Loyalty Rewards Program allows us to provide discounted rates for all qualifying members.

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Online tools and support

Borrowing money shouldn't be confusing. So we'll guide you through the details and help you get started with tools that keep things simple, like the option to "set and forget" recurring payments online.

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No prepayment penalties

Want to pay off your loan ahead of schedule? That's awesome. We'll never penalize you for paying early.

Before you borrow

Qualifying for a loan depends on several factors. Your credit history, income stability and ability to repay are among the factors considered. Requesting a loan or Visa credit card online or by phone takes minutes, and there are no fees to apply.

No documents are needed to apply for a loan. Once your application is received, we may ask for additional supporting documentation to finalize your loan, such as proof of income.

Many loan decisions are provided quickly. Larger, more complex loans may take longer. We strive to provide all lending decisions as quickly as possible.

When life throws the unexpected at you, it can wreak havoc on your finances. We have options available to you to help relieve the financial stress and worry related to making loan payments in the event of your death, disability, or involuntary unemployment.

Connect with an expert

Let's Get Started

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Open an account

Opening a Members 1st savings account is quick and easy. Already a member? Great! Move onto step number two.

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Apply for your loan

Whatever your needs may be, we have you covered. Whether you are buying your first car or your first home, we have a loan for that.

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Manage your loan

Managing your payments is simple with the Members 1st new mobile banking experience. Check it out today!

We're Here to Help

Getting Ready for Life's Moments and Milestones

Hit the Road

Hear that? It’s the open road calling. Here’s how to get an auto loan quicker and smarter.

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Off to College

Welcome to the start of a new beginning! Here's how to avoid student loans and make the most of saving for college.

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Buying a House

Your home will likely be the biggest investment you ever make. Here’s everything you need to know—and who to talk to if you’d like some personalized guidance.

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Goal Savings

Save for big plans—a little at a time. With great rates and powerful in-app tools, it’s never been easier to set (and achieve) your long-term goals.

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Visa Signature® Card

Get 1.5% cash back (or 1.5 points) on every dollar you spend. On top of that, you get emergency medical coverage, trip interruption insurance, and Visa Signature Concierge Service—all with no annual fee.

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For your protection please be advised that public Internet email is not secure. Various links within our web site allow you to submit information to us by public Internet email. Please DO NOT provide personal or account information through public email or submit any personal information that would compromise your identity including your account number, social security number, credit card numbers, electronic services PINs, passwords or mother's maiden name. Members 1st will not respond via public Internet email to requests-for-account-information or account activity. Please contact Customer Service with these types of requests at (800) 237-7288 or (717) 795-6049.