12.39% APR*


Whether you're looking to finance a well-deserved vacation, pay off high-interest credit cards and loan balances or fund your next house project, we have a personal loan to fit your needs.

Personal Loans

A personal loan is money you borrow from a financial institution with a fixed interest rate that you repay through fixed monthly payments. Members 1st Federal Credit Union is a trusted source for personal loans in Pennsylvania. Become a member to create an account and apply for your personal loan. We offer some of the lowest personal loan interest rates on the market:

Personal Loan Rates

Valid as of

Loans Over $25,000 Loans Under $25,000
Term APR* APR*

*APR = Annual Percentage Rate. Available terms may be restricted by loan amount and/or credit score. Rates effective as of 1/3/2023. $2,500 in new money required. Loans may be subject to other terms and conditions. See rates or ask an associate for details.


A personal loan can provide you with low-interest funding to help you afford numerous expenses, including:

  • Debt Consolidation
  • Home Improvement
  • Vacations and Travel
  • Wedding
  • Medical Emergencies
  • Vehicle Repairs


Applying for a personal loan with Members 1st is quick and easy. Our simple process ensures we have all the information we need to provide the right personal loan for your situation. To get started, register for a Members 1st account with your email. Then, open a personal account by selecting your product, providing some personal information, making a $5 deposit and submitting your application. We provide loan decisions as quickly as we can. Approval for larger more complex loans may take longer than others.


Members 1st strives to make the loan application process as fast and simple as possible. Preparing some important information ahead of time can ensure the smoothest application process and the quickest decision. Here's what you'll need to have ready:

Icon of a coin on a computer screen

Apply Now

The loan application will take just a few minutes to complete. We may ask you for additional information to verify your income or your Members 1st account.

If you are not a member yet, don't worry. We will sign you up as part of the process.**

We can't wait to welcome you to the faM1ly.

Common Questions

While we can make many decisions immediately, loans with more complex circumstances or higher values may take longer. Our team strives to provide fast decisions.

Personal loans are used for multiple purposes. We offer personal loans for as little as $500. Loans up to $75,000 are based on affordability, credit history, and other factors.

Consideration for a personal loan requires a review of your credit report. When credit is pulled, an inquiry is placed on your credit record. While the impact of individual inquiries cannot be determined exactly, a strong impact on your credit score is more likely with repeated or excessive inquiries in a short period of time. Applications for credit on a reasonable, periodic basis are not likely to create a lasting negative effect on your credit score. We do suggest monitoring your credit report by taking advantage of your free annual credit report available at

Our personal loans are available for consumer and household needs. Business loans can be applied for with our branch managers or contact MyConcierge™.

You'll have to become a member to secure a personal loan from Members 1st. Fortunately, our membership application takes only a few minutes. You can register online to become a member and apply for your personal loan.

Our personal loans do not require collateral. Unlike the loans you'd take out for a house or car, personal loans are unsecured and collateral-free. Your only immediate financial commitment will be opening a Members 1st account and making a $5 deposit. 

Members 1st personal loan funds are often available the next day, although the time may vary with the amount and delivery method. You can choose to receive your loan through either a direct deposit or check. Direct deposit takes one to two business days to clear. Checks take five to seven business days. 

Please be aware that by continuing you will be leaving and viewing content from another website.

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.