Members First can offer you many benefits including the following:

Low Loan Rates

Low Mastercard and Visa Rates with No Annual Fee

No Monthly Fees on Share (Savings) Accounts

Many different savings plans to help insure a bright future including CDs and IRAs

Payroll Deduction (at the Option of the Employer)

Fast Friendly Service at four Locations

Ownership of the Credit Union and Input into Its Operations

Loans

At Members First we make loans for everything from Autos to RVs. Use the links below to check out our loan rates or download an application. You can mail the application to us at PO Box 8590, Corpus Christi, TX 78468-8590, or FAX it to us at (361)993-1704.

Auto Loans We have great rates on new and used vehicles.

Download Application(in PDF format, You must be a member of Members First, and you must send a payroll stub as proof of income or 2 years tax returns if you are self employed to submit an application)

If you do not have Adobe Acrobat PDF Reader, click here to Download

Need to get a value for a used vehicle you are buying or selling? Go to:
NADA

Loan Rates

Loan Type	Maximum**	A.P.R.^1	Approx. Term
New Vehicles*	Up to 100% Financing	4.95% -13.95%**	Up to 72 months
Used Vehicles* Other Secured	NADA Retail 90% of Purchase Price or Appraised Value	4.95% -13.45%** 6.95% - 13.95%	Up to 72 months
Personal	3 months of Gross Income Maximum $25,000	7.95% - 17.95%**	36 – 48 months
First Mortgage Home Improvement	90% of Appraised Value less Superior Liens	5.95% - 9.95% 6.45% - 9.45%	Up to 30 year payout Fixed rates up to 15 yrs
Home Equity Unimproved Property	80% of Appraised Value	6.45% - 9.95% 6.45% - 9.45%	Up to 15 yrs
Share Secured	95% of Available Shares	Last Share Rate +3% Last Share Rate +3.5%	48 months 60 months
CD Secured	95% of CD face value	CD rate +2 %	CD Maturity Date

*Includes cars, trucks, motorcycles, boat motor and trailers, and recreational vehicles

**Rate determined by credit rating and amount financed and term. Terms over 36 months have higher rates. Your rate may be as low as stated rate. (All rates assume automatic payment. Maximum rate is 17.9%. Maximum amount financed also determined by credit rating.

¹Rates assume member has one of the following: MMG Account, IRA ($1000 minimum), CD ($1000 minimum), or Checking Account with net Pay or Direct deposit for at least 90 days. Otherwise, higher rates apply.

We Match Competitor's Loan rates and terms! Loans subject to usual Credit Standards. Rates Subject to change monthly. Rate stated is for March 31,2008, please call for current rates.

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