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If you're not a member, please join Members First Credit Union before applying for a loan or VISA® credit card! New/Used Auto/RVs/Boats/Motorcycles: Financing to 100% of purchase price, no or low down payment. Flexible terms, no early payoff penalty, used car loans are not restricted to dealers and can be used for private sales, pre-approvals available to help you get a better deal, GAP insurance, payment protection insurance & extended warranty’s available. You can receive help purchasing a vehicle from MVCP (Motor Vehicle Certification Program). MVCP is a free service Members First Credit Union offers members to help them obtain the best price on a new or used car. Visit this link for more information. MVCP Refinance: Refinance your Car, RV, Boat or Motorcycle currently financed with another institution. Lower your monthly payment and/or rate by up to 2%, No early payoff penalty, No refinance fee. Personal Loan: The Members First Credit Union Signature Loan is a great way to borrow money at a low rate with set payments for any purpose or to consolidate existing debt. You can use your loan for Holiday expenses, financing home improvements or to take the vacation of your dreams. We offer Loans of $300 to $20,000*, no application fee, no pre-payment penalty & attractive fixed rates*. *based on your credit history and other financial information* Overdraft Protection: Make insufficient funds a thing of the past. Write a share draft check for any amount up to your approved limit. Limits up to $1,000. Secured Share & Secured Certificate Loans: Use your Share Savings or Share Certificate as collateral for a loan. The annual rate is either the share dividend rate + 2% OR 6%, whichever is higher. VISA® Credit Card: At Members First Credit Union we know how important credit is to today's consumer. That's why we offer our VISA Classic Card - to give you the best card for your needs. We offer NO ANNUAL FEE and a Low Variable Rate. Home Equity Line of Credit (HELOC): You can use the excess equity in your home to make major purchases, home improvements, pay college tuition, consolidate debt & so much more. A HELOC has a variable rate of interest and the period of time you can withdraw funds is limited and the payment can vary from month to month. The HELOC is similar to a credit card but usually with lower rates and larger borrowing limits. See the list of required documents needed here. Home Equity Loan (HEL): Just like a HELOC, you can use an HEL to make major purchases, home improvements, etc… A HEL is usually a closed-end mortgage loan, which means that the amount you borrow is paid back at a set rate and term. Your payment would be calculated so that the amount owed (principal and interest) would be paid in full at the end of the term. Mortgages: We offer competitive rates on primary, secondary, vacation or retirement properties in a multi-state area. You may choose from a Conventional, Jumbo, FHA or VA loan. There are no points and minimal closing costs. We offer fixed rate terms from 15 to 30 years. We also offer refinances and cash out options. For current rates go to CU Members Mortgage or call 800-635-7128. |
