Source: https://www.members1st.org/ask-us/rate-center
Read: 2026-10-22T07:00:30.000Z

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Rate Center
OUR RATES
Rates are effective:
October 22, 2026
Auto
Thinking of getting a fuel-efficient new or used car? Maybe you need a bigger vehicle to accommodate all the kid's sports equipment? Whatever your vehicle need, we can help you with the financing.
Rates As Low As
12 Months
5.74% APR
24 Months
5.74% APR
36 Months
5.74% APR
48 Months
5.74% APR
See All Rates
Certificates
If you're looking for the highest yield on your savings and want the added safety of an NCUA-insured product, a high-rate Certificate could be a great option. Minimum opening deposit and minimum balance of $500 required to earn advertised APY.*
Rates
12-Month
1.15% APY
18-Month
1.35% APY
24-Month
1.45% APY
36-Month
1.70% APY
See All Rates
Home Equity
Whether you're looking to remodel, consolidate bills, add on a room, redecorate, install a pool, new heating/cooling, or need extra cash for college tuition, a vehicle purchase, medical expenses or vacation, your home's available equity could save you a lot of money in the long run.
Rates As Low As
48 Months
5.74% APR
60 Months
5.74% APR
84 Months
5.99% APR
120 Months
5.99% APR
See All Rates
IRA Certificates
No matter what your income, age or goals, you'll discover a wide variety of savings accounts and programs at Members 1st.
Rates
60-Month**
1.95% APY
48-Month**
1.80% APY
36-Month**
1.70% APY
18-Month**
1.35% APY
See All Rates
Motorcycle
Need money for a new or used motorcycle we have a variety of loans to suit your individual lending needs. Apply now and we'll give you an answer in just a few minutes.
Rates As Low As
12 Months
6.64% APR
24 Months
6.64% APR
60 Months
6.64% APR
72 Months
7.04% APR
See All Rates
Personal
We offer a variety of loans to help you meet many of your individual financing needs. Apply now and we'll give you an answer in just a few minutes.
Rates As Low As
12 Months
10.39% APR
48 Months
10.74% APR
60 Months
10.99% APR
120 months
12.99% APR
See All Rates
Savings/Checking
No matter what your income, age or goals, you'll discover a wide variety of savings accounts and programs at Members 1st.
Rates
Holiday Club or Vacation Club
0.30% APY
Regular Savings
0.25% APY
Goal Savings
0.25% APY
Health Savings Account
0.25% APY
See All Rates
Recreational Vehicle
Looking to live the high life without losing your shirt? We can help you purchase that new or used boat or that new or used RV. Apply now and we'll give you an answer in just a few minutes.
Rates As Low As
12 Months
9.54% APR
24 Months
9.54% APR
48 Months
9.54% APR
72 Months
9.54% APR
See All Rates
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