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We put our members first.

Personal Loans

Our Personal Loans and Personal Lines of Credit are often used for vacation costs, weddings, unexpected repairs, and other personal expenses. Personal Lines of Credit are also popular for use as overdraft protection. These loans are offered without requiring collateral.

Our terms and rates fit all budgets and we make repaying easy - without any pre-payment penalties. Your final loan rate may vary from what is advertised on our rate sheet as it is based on your personal credit history and current credit report. With Member Loyalty Rewards, you could qualify for a discounted rate.

Personal Loans

  • Under $25,000 up to 60-month terms available.
  • Above $25,000 up to 180-month terms available.
  • Low fixed rate.

Personal Line of Credit

  • Works like a revolving line of credit.
  • Variable rate loan.
  • May be used as an overdraft protection source.

Do you offer any kind of Coverage to Protect my Credit?

Member Value Protection is an optional coverage you can elect to have when you apply for your loan. It gives you the peace of mind of knowing that your monthly loan payments will be cancelled in the event of death, disability or involuntary unemployment. Your consumer loan payment will be cancelled without penalty, added interest, or being reported as delinquent to the credit bureau. This program offers you several different options, giving you the flexibility to pick the package that's right for you. Each option has specific eligibility requirements and a different range of benefits.

For more detailed Lending Insurance information.

Members 1st FCU is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at (800) 237-7288. All products and services available on this website are available at all Members 1st branch locations.