Is Members 1st Credit Union Personal Loan the right fit for you?
Last Updated: 04/18/2025
Members 1st Credit Union Personal Loan
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 10.49%(Verified 06/21/2024)
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Amount Range
N/A
Loan Term (Months)
12 - 36
Members 1st Credit Union Personal Loan Review
Members 1st Credit Union Personal Loan is offered by Members 1st Credit Union, a credit union founded in 1936 and based in Redding, CA. Members 1st personal loan are available in 1 state.
Key Takeaways
- APRs starting at 10.49%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Members 1st Credit Union Personal Loan are on the higher end of the spectrum.
Members 1st personal loan Pros & Cons
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Members 1st personal loan FAQ
What interest rates and personal loan terms does Members 1st personal loan offer?
Members 1st personal loan has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Members 1st personal loan offer?
Members 1st personal loan offers a fixed APR personal loan product that starts at 10.49% APR.
What is the maximum loan term you can get with Members 1st personal loan?
Members 1st personal loan offers loans with terms of up to 36 months.
| Personal Loan Amount | N/A |
| Loan Term | 12 - 36 months |
| APR | Starting at 10.49% |
What fees does Members 1st personal loan charge?
Does Members 1st personal loan charge an origination fee?
Members 1st personal loan may charge a personal loan origination fee .
Does Members 1st personal loan charge a late fee?
Members 1st personal loan does not disclose whether it charges late payment fees.
Does Members 1st personal loan charge prepayment fees?
No, Members 1st personal loan does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | No |
| Late Payment Fee | No |
What do you need to qualify for Members 1st Credit Union Personal Loan?
Applicants with a credit score of at least 600 and up to 850 may be eligible for Members 1st Credit Union Personal Loan. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Members 1st Credit Union Personal Loan does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Members 1st Credit Union Personal Loan.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Proof of income
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
|
| Credit Score | 600 - 850 |
Does Members 1st Credit Union Personal Loan report your account activity to credit bureaus?
Yes, Members 1st Credit Union Personal Loan reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Members 1st Credit Union perform a hard credit pull?
Yes, Members 1st personal loan performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Are Members 1st Credit Union Personal Loan legit?
Members 1st Credit Union was founded in 1936, it is a well-established company that has been in business for 90 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Hours of Operation
SundayClosedMonday9:00AM - 5:30PMTuesday9:00AM - 5:30PMWednesday9:00AM - 5:30PMThursday9:00AM - 5:30PMFriday9:00AM - 5:30PMSaturday9:00AM - 5:30PM
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Learn MoreSuperMoney Net Recommendation Score
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Members 1st Credit Union Personal Loan Community Reviews
Would you recommend Members 1st Credit Union Personal Loan to your friends?
SF
Subomi F.
Nov 12, 2023
May or may not recommend
Members 1st Credit Union has truly been a financial ally. The personal loan process was straightforward, and their team went above and beyond to assist me. Competitive rates and genuine care - they've got my trust. If you're after a personal touch in your financial journey, look no further than Members 1st Credit Union.
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