Our Personal Secured Loans allow our members to use their funds on deposit with Members 1st to access funds at a low interest rate. Loans may be secured with Certificates or funds in your Savings or Money Market accounts. Various terms are available and there are no fees for early repayment.

No application fees
No prepayment penalties
Rate is computed by adding 2.5% to the pledged Certificate dividend rate.
Loan term may not exceed remaining certificate term
For non-members, you'll be required to join Members 1st to meet eligibility requirements.

Fixed rate
No application fees
No prepayment penalties
For non-members, you'll be required to join Members 1st to meet eligibility requirements.

Variable rate
Various terms available
No application fees
No prepayment penalties
For non-members, you'll be required to join Members 1st to meet eligibility requirements.