Last Updated: 04/18/2025
Members 1st Federal Credit Union Personal Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
Starting at 7.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Amount Range
N/A
Loan Term (Months)
12 - 180
Members 1st Federal Credit Union Personal Loans Review
Members 1st Federal Credit Union Personal Loans is offered by Members 1st Federal Credit Union, a credit union founded in 1972 and based in Mechanicsburg, PA. Members 1st personal loan are available in 1 state.
Key Takeaways
- APRs starting at 7.49%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Members 1st Federal Credit Union Personal Loans are on the lower end of the spectrum.
- Prequalified rate. You can check your prequalified rate at Members 1st Federal Credit Union with a soft pull that will not affect your FICO or VantageScore.
- Super long loan terms. Members 1st Federal Credit Union Personal Loans offers loan terms of up to 180 months. Most personal loans have a maximum term of 60 months.
Members 1st personal loan Pros & Cons
| 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 lower 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 7.49% 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 180 months.
| Personal Loan Amount | N/A |
| Loan Term | 12 - 180 months |
| APR | Starting at 7.49% |
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 Federal Credit Union Personal Loans?
Applicants with a credit score of at least 600 and up to 840 may be eligible for Members 1st Federal Credit Union Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Members 1st Federal Credit Union Personal Loans 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 Federal Credit Union Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Government issued photo ID
- Proof of identity
- Proof of residence
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | 600 - 840 |
Does Members 1st Federal Credit Union Personal Loans report your account activity to credit bureaus?
Yes, Members 1st Federal Credit Union Personal Loans 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 Federal Credit Union perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. Members 1st personal loan allows you to check your rates with a soft credit pull.
Are Members 1st Federal Credit Union Personal Loans legit?
Members 1st Federal Credit Union was founded in 1972, it is a well-established company that has been in business for 54 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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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.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:30PM
Friday
7:30AM - 6:00PM
Saturday
8:30AM - 2:00PM