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Personal Loans

Signature Loans

Sometimes you need some extra cash to pay a bill, make an emergency purchase or take a last-minute trip. At MembersFirst, we offer reasonable interest rates and quick turnaround on personal loans so that you can access the money when you need it.

Terms up to 60 months. No pre-payment penalty.  Maximum APR = 17.90% APR.  

Apply for a Signature Loan Online  

Certificate and Share Secured Loans

Don’t touch your hard-earned savings account or certificate when you need money. Instead, use your savings or certificate as collateral and apply for a certificate or share secured loan. You’ll continue to receive a return on your savings while enjoying one of the best financing rates the credit union has to offer.*

Debt Reduction Loan – Save As You Pay

The Save As You Pay loan is designed especially for qualified members seeking to eliminate credit card debt while saving in a high yield savings account. Our unique Save As You Pay loan allows you to consolidate and eliminate credit card debt within 6 years and save up to 20% of the amount you borrow in a high yield savings account. Members can borrow up to $25,000. 

Start Cutting Debt… Save Today!

Credit Establishing Loan

Our Credit Establishing Loan is designed to help you build or improve your credit. If you have no credit or have a less than delightful credit history, the Credit Establishing loan can help you get on track. This unique loan allows you to borrow up to $2,500 with loan terms up to 18 months. Funds on this loan are not available for immediate withdrawal. As you repay your loan, you build your credit.

Apply Online

Holiday Loans

Holiday Loans are available in November and December.*** This convenient loan can help you build credit and is payable within 11 months. A Holiday Loan can give you a little extra spending money during the Holiday season. Holiday loans are exclusively repaid through payroll deduction, direct deposit or automatic transfers. There is a minimal processing fee for this loan.


*Certificate secured loan rates on loans less than two years are 2% above your current certificate, plus the nearest quarter percent. Rate may vary depending on terms over two years. Please see a loan officer for details.

**APR = Annual Percentage Rate.

***Applications for Holiday Loans must be submitted on a current application form available at the credit union. Forms are accepted at a MembersFirst Branch in person or by fax. Holiday Loans are typically offered every year, however, every year a board assessment is done to determine if the program will be offered. The credit union will notify you when the loan is available.

****All loans are subject to review by credit committee. Approval is based on individual creditworthiness and specified criteria in accordance with credit union guidelines.