--- title: "Members First Credit Union of Flori Rates (Nov 2026): Mortgage 6.63%" description: "Members First Credit Union of Flori rates today: mortgage 6.63% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Members First Credit Union of Flori — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/florida/members-first-credit-union-of-flori" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Members First Credit Union of Flori Rates (Nov 2026): Mortgage 6.63% ### Mortgage rates 7 offers | Product | Published | Rate | Term / condition | Status | | **5/1 ARM** 5 1 arm | — APR | 6.625% | — | Standard | | **Mortgage** other | — APR | 6.625% | — | Standard | | **Residential Lots/Land (Unimproved Property) - Variable** other | — APR | 8.000% | — | Standard | | **15 Year Fixed Refinance 2 This is A Limited Time Offer** 15 year fixed | — APR | 6.625% | — | Standard | | **Accelerate Your Home Loan 10 Year Fixed Refinance (No Closing Costs) 1** 10 year fixed | — APR | 6.625% | — | Standard | | **Accelerate Your Home Loan 7 Year Fixed Refinance (No Closing Costs) 1** other | — APR | 6.625% | — | Standard | | **Accelerate Your Home Loan 12.5 Year Fixed Refinance (No Closing Costs) 1 This is A Limited Time Offer** other | 6.625% APR | 6.750% | — | Standard | Members First Credit Union of Flori mortgage rates as of November 12, 2026 ### Auto & vehicle rates 6 offers | Product | Published | Rate | Term / condition | Status | | **84-Month New Auto Loan** auto_new_84mo | — APR | 4.490% | 84 mo · new | Context only | | **Auto Loan** auto | — APR | 4.490% | — | Standard | | **84-Month Used Auto Loan** auto_used_84mo | — APR | 4.490% | 84 mo · used | Context only | | **New and Used Motorcycle** motorcycle_any_72mo | — APR | 6.240% | 72 mo · any | Standard | | **Boats, Motor Homes, Travel Trailers, Airplanes (New or Used)** boat_any_144mo | — APR | 6.490% | 144 mo · any | Standard | | **Classic Vehicle** auto_any_60mo | — APR | 7.990% | 60 mo | Context only | Members First Credit Union of Flori auto & vehicle rates as of November 12, 2026 ### HELOC rates 4 offers | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 7.000% | — | Standard | | **10 Year Home Equity Fixed 2nd** heloc_fixed | — APR | 7.625% | — | Standard | | **7 Year Home Equity Fixed 2nd** heloc_fixed | — APR | 7.625% | — | Standard | | **15 Year Home Equity Fixed 2nd** heloc_fixed | — APR | 8.625% | — | Standard | Members First Credit Union of Flori heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Consolidation** personal | — APR | 7.950% | — | Standard | | **Miscellaneous Collateral (New or Used)** personal_secured_60mo | — APR | 8.990% | 60 mo | Standard | Members First Credit Union of Flori personal loan rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Annual Percentage Rate for Purchases** credit_card | — APR | 10.900% | — | Standard | | **Balance Transfer Annual Percentage Rate** credit_card_balance_transfer | — APR | 10.900% | — | Standard | Members First Credit Union of Flori credit card rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Lifestyle** other | — % | 9.950% | — | Standard | Members First Credit Union of Flori other rates as of November 12, 2026 As of November 12, 2026, Members First Credit Union of Flori offers refinance mortgage rates from 6.625% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/florida/members-first-credit-union-of-flori) , verified from [Members First Credit Union of Flori's official website](https://www.membersfirstfl.org/) Loading branch locator… ## About Members First Credit Union of Flori Institution facts reported to the National Credit Union Administration for Invalid Date. Members 19.4K Assets $314.4M Founded 1954 Locations reported 7 NCUA charter 61160 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - First-time homebuyer program - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**MY Pensacola** Downtown Office · Pensacola · FL · 32502-5718 About 0.4 miles away](https://rateapi.dev/credit-unions/florida/my-pensacola) [**Gulf Winds** Garden St Branch · PENSACOLA · FL · 32502 About 0.4 miles away](https://rateapi.dev/credit-unions/florida/gulf-winds) [**Harvesters** Baptist Campus Branch · Pensacola · FL · 32501-1929 About 1.6 miles away](https://rateapi.dev/credit-unions/florida/harvesters) [**Navy Federal Credit Union** Navy Blvd-Pensacola FL · Pensacola · FL · 32507 About 3.2 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**Loyalty** Cordova · Pensacola · FL · 32503-2542 About 4.4 miles away](https://rateapi.dev/credit-unions/florida/loyalty) [**Champions First** Nine Mile · Cantonment · FL · 32533 About 9.9 miles away](https://rateapi.dev/credit-unions/florida/champions-first) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Members First Credit Union of Flori Membership eligibility from Members First Credit Union of Flori's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Members First Credit Union of Flori's website. Check the membership page below to confirm whether you qualify. - Location escambia, santa rosa, okaloosa — FL - Employer Groups within Santa Rosa County with 20 or more employees whose function is construction, manufacturing or industrial, Sterling Fibers (Pace Plant), Cytec Industries, American Cyanamid, Cyanamid Employees Credit Union - Association Escambia Retired Educators Association, Florida State Employees Federal Credit Union Verified from [Members First Credit Union of Flori's membership page](https://www.membersfirstfl.org/i-want-to/become-a-member/who-can-join) . Final membership determination is always made by the credit union. ## Membership rules for Members First Credit Union of Flori Geography 3 counties · Employers 5 · Associations 2 · Family 14 published paths to membership, last verified November 8, 2026, quoted from Members First Credit Union of Flori’s own published criteria. ### Geography 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Escambia County, FL - Okaloosa County, FL - Santa Rosa County, FL “Individuals who reside or work in Escambia, Santa Rosa or Okaloosa counties” > [source ↗](https://www.membersfirstfl.org/i-want-to/become-a-member/who-can-join) ### Employers 5 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Employee of Groups within Santa Rosa County with 20 or more employees whose function is construction, manufacturing or industrial (as written on the source page) “Groups within Santa Rosa County with 20 or more employees whose function is construction, manufacturing or industrial” > [source ↗](https://www.membersfirstfl.org/i-want-to/become-a-member/who-can-join) - Employee of Groups within Santa Rosa County with 20 or more employees whose function is construction, manufacturing or industrial - Employee of Sterling Fibers (Pace Plant) “Current, former and retired employees or groups on retainer or who hold a contract with Sterling Fibers (Pace Plant), Cytec Industries, American Cyanamid or Cyanamid Employees Credit Union” > [source ↗](https://www.membersfirstfl.org/i-want-to/become-a-member/who-can-join) - Employee of Sterling Fibers (Pace Plant) - Employee of Cytec Industries “Current, former and retired employees or groups on retainer or who hold a contract with Sterling Fibers (Pace Plant), Cytec Industries, American Cyanamid or Cyanamid Employees Credit Union” > [source ↗](https://www.membersfirstfl.org/i-want-to/become-a-member/who-can-join) - Employee of Cytec Industries - Employee of American Cyanamid “Current, former and retired employees or groups on retainer or who hold a contract with Sterling Fibers (Pace Plant), Cytec Industries, American Cyanamid or Cyanamid Employees Credit Union” > [source ↗](https://www.membersfirstfl.org/i-want-to/become-a-member/who-can-join) - Employee of American Cyanamid - Employee of Cyanamid Employees Credit Union “Current, former and retired employees or groups on retainer or who hold a contract with Sterling Fibers (Pace Plant), Cytec Industries, American Cyanamid or Cyanamid Employees Credit Union” > [source ↗](https://www.membersfirstfl.org/i-want-to/become-a-member/who-can-join) - Employee of Cyanamid Employees Credit Union ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Member of Escambia Retired Educators Association “Members or associate members of the Escambia Retired Educators Association” > [source ↗](https://www.membersfirstfl.org/i-want-to/become-a-member/who-can-join) - Member of Escambia Retired Educators Association - Member of Florida State Employees Federal Credit Union “All members of Florida State Employees Federal Credit Union as of the effective date of the merger of FSEFCU into Members First Credit Union of Florida” > [source ↗](https://www.membersfirstfl.org/i-want-to/become-a-member/who-can-join) - Member of Florida State Employees Federal Credit Union ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member immediate family “Members of the immediate family of any individual described in this section” > [source ↗](https://www.membersfirstfl.org/i-want-to/become-a-member/who-can-join) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Members First Credit Union of Flori? Yes No ## Work at Members First Credit Union of Flori? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Members First Credit Union of Flori ranks against Florida peers. - See which AI assistants fetched Members First Credit Union of Flori’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Florida - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=members-first-credit-union-of-flori&state=florida&code=FL&name=Members%20First%20Credit%20Union%20of%20Flori) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Members First Credit Union of Flori offer? Members First Credit Union of Flori currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Members First Credit Union of Flori rates updated? RateAPI verifies Members First Credit Union of Flori's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Members First Credit Union of Flori's rate data? Rate data is collected directly from Members First Credit Union of Flori's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Members First Credit Union of Flori's mortgage rate? As of November 12, 2026, Members First Credit Union of Flori offers refinance mortgage rates from 6.625% APR. ### Who can join Members First Credit Union of Flori? Members First Credit Union of Flori publishes its membership criteria on its own website. RateAPI tracks 14 published membership paths covering 3 counties, 5 employers and 2 associations for Members First Credit Union of Flori, each quoted from Members First Credit Union of Flori's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Members First Credit Union of Flori's rates against national credit-union benchmarks. [More Florida credit unions](https://rateapi.dev/credit-unions/florida) [Florida mortgage rate leaders](https://rateapi.dev/mortgage-rates/florida) [Florida auto loan rate leaders](https://rateapi.dev/auto-loan-rates/florida) [Florida HELOC rate leaders](https://rateapi.dev/heloc-rates/florida) [Florida personal loan leaders](https://rateapi.dev/personal-loan-rates/florida) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.membersfirstfl.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Members First Credit Union of Flori rates Get a free API key to query these rates programmatically, or get the daily email when Florida credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Members First Credit Union of Flori curl "https://api.rateapi.dev/credit-unions/florida /members-first-credit-union-of-flori " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Members First Credit Union of Flori locations Search, filter, and browse all 7 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/florida/members-first-credit-union-of-flori Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp