Members 1st

redding, California
Last verified: July 9, 2026

As of July 9, 2026, Members 1st offers a money_market mortgage at 5% APR (5% rate, 0 points). Auto loans available from 4.49% APR. HELOC rates from 6.24% APR. Personal loan rates from 3% APR.

Source: RateAPI.dev, verified from Members 1st's official website

Mortgage Rates

Rates as of July 9, 2026

money_market
5.000% APR
Rate5.000%
Points0
Money Market
savings
5.000% APR
Rate5.000%
Points0
Ownership
savings
5.000% APR
Rate5.000%
Points0
Ownership Savings
savings
5.000% APR
Rate5.000%
Points0
Savings
money_market
6.000% APR
Rate6.000%
Points0
Money Market 10k
ploc_variable
13.250% APR
Rate13.250%
Points0
Line of Credit

Auto Loan Rates

Rates as of July 9, 2026

auto_any_36mo
4.490% APR
Rate4.490%
Newer (2023 and Newer) Auto Loan - 36 Month
auto_any_48mo
4.490% APR
Rate4.490%
Newer (2023 and Newer) Auto Loan - 48 Month
auto_any_60mo
4.490% APR
Rate4.490%
Newer (2023 and Newer) Auto Loan - 60 Month
auto
4.490% APR
Rate4.490%
[PROMOTIONAL] Auto Loan
auto_any_36mo
4.740% APR
Rate4.740%
Older (2022 and Older) Auto Loan - 36 Month
auto_any_48mo
4.740% APR
Rate4.740%
Older (2022 and Older) Auto Loan - 48 Month
auto_any_72mo
4.990% APR
Rate4.990%
Newer (2023 and Newer) Auto Loan - 72 Month
auto_any_60mo
4.990% APR
Rate4.990%
Older (2022 and Older) Auto Loan - 60 Month
auto_any_72mo
5.240% APR
Rate5.240%
Older (2022 and Older) Auto Loan - 72 Month
auto_any_84mo
5.490% APR
Rate5.490%
Newer (2023 and Newer) Auto Loan - 84 Month
auto_any_84mo
5.740% APR
Rate5.740%
Newer (2023 and Newer) Boat Loan - 84 Month
auto_any_84mo
5.740% APR
Rate5.740%
Newer (2023 and Newer) RV and Trailer Loan - 84 Month
auto_any_84mo
5.740% APR
Rate5.740%
Older (2022 and Older) Auto Loan - 84 Month
auto_any_96mo
5.990% APR
Rate5.990%
Newer (2023 and Newer) Auto Loan - 96 Month
auto_any_120mo
6.240% APR
Rate6.240%
Newer (2023 and Newer) Boat Loan - 120 Month
auto_any_120mo
6.240% APR
Rate6.240%
Newer (2023 and Newer) RV and Trailer Loan - 120 Month
auto_any_84mo
6.240% APR
Rate6.240%
Older (2022 and Older) Boat Loan - 84 Month
auto_any_84mo
6.240% APR
Rate6.240%
Older (2022 and Older) RV and Trailer Loan - 84 Month
auto
6.740% APR
Rate6.740%
Newer (2023 and Newer) Boat Loan - 180 Month
auto
6.740% APR
Rate6.740%
Newer (2023 and Newer) RV and Trailer Loan - 180 Month
auto_any_120mo
6.740% APR
Rate6.740%
Older (2022 and Older) Boat Loan - 120 Month
auto_any_120mo
6.740% APR
Rate6.740%
Older (2022 and Older) RV and Trailer Loan - 120 Month
auto
7.240% APR
Rate7.240%
Older (2022 and Older) Boat Loan - 180 Month
auto
7.240% APR
Rate7.240%
Older (2022 and Older) RV and Trailer Loan - 180 Month
auto_any_36mo
7.490% APR
Rate7.490%
Newer (2023 and Newer) Motorcycle and ATV Loan - 36 Month
auto_any_36mo
8.490% APR
Rate8.490%
Older (2022 and Older) Motorcycle and ATV Loan - 36 Month
auto_any_48mo
8.990% APR
Rate8.990%
Newer (2023 and Newer) Motorcycle and ATV Loan - 48 Month
auto_any_60mo
9.990% APR
Rate9.990%
Newer (2023 and Newer) Motorcycle and ATV Loan - 60 Month
auto_any_48mo
9.990% APR
Rate9.990%
Older (2022 and Older) Motorcycle and ATV Loan - 48 Month
auto_any_72mo
10.990% APR
Rate10.990%
Newer (2023 and Newer) Motorcycle and ATV Loan - 72 Month
auto_any_60mo
10.990% APR
Rate10.990%
Older (2022 and Older) Motorcycle and ATV Loan - 60 Month
auto_any_72mo
11.990% APR
Rate11.990%
Older (2022 and Older) Motorcycle and ATV Loan - 72 Month
credit_card_business
13.000% APR
Rate13.000%
Business
credit_card_business
13.000% APR
Rate13.000%
Business Credit Card
credit_card_platinum
13.000% APR
Rate13.000%
Platinum
credit_card_platinum
13.000% APR
Rate13.000%
Platinum Credit Card
credit_card_student
13.000% APR
Rate13.000%
Student Silver Credit Card
auto
14.740% APR
Rate14.740%
[PROMOTIONAL] First-Time Buyer Auto Loan
credit_card
15.750% APR
Rate15.750%
Classic
credit_card
15.750% APR
Rate15.750%
Classic Credit Card
credit_card_rewards
18.490% APR
Rate18.490%
Signature Rewards
credit_card_rewards
18.490% APR
Rate18.490%
Signature Rewards Credit Card

HELOC Rates

Rates as of July 9, 2026

heloc_variable
6.240% APR
Rate6.240%
Home Equity Line of Credit (HELOC)
heloc_fixed
6.240% APR
Rate6.240%
Home Equity Loans
heloc_variable
6.240% APR
Rate6.240%
[PROMOTIONAL] Home Equity Line of Credit (HELOC)
heloc_fixed
6.240% APR
Rate6.240%
[PROMOTIONAL] Home Equity Loan

Personal Loan Rates

Rates as of July 9, 2026

personal_secured
3.000% APR
Rate3.000%
Certificate-Secured Loan
personal_unsecured
12.750% APR
Rate12.750%
Personal Loan
personal
13.000% APR
Rate13.000%
Student Silver
ploc_variable
13.250% APR
Rate13.250%
Personal Line of Credit

Frequently Asked Questions

What rates does Members 1st offer?

Members 1st currently offers mortgage, auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 9, 2026 directly from the credit union's official website.

How often are Members 1st rates updated?

RateAPI verifies Members 1st's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 9, 2026.

Where does RateAPI get Members 1st's rate data?

Rate data is collected directly from Members 1st's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Members 1st's mortgage rate?

As of July 9, 2026, Members 1st offers a money_market mortgage at 5% APR.

What is Members 1st's auto loan rate?

As of July 9, 2026, Members 1st offers auto loans from 4.49% APR.

Related Rate Data

Compare Members 1st's rates against national credit-union benchmarks.

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Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

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View Methodology

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