--- title: "Membersfirst Credit Union Rates (Nov 2026): CDs to 0.21%" description: "Membersfirst Credit Union rates today: savings & CDs up to 0.21% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Membersfirst Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/georgia/membersfirst" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Membersfirst Credit Union Rates (Nov 2026): CDs to 0.21% ### Auto & vehicle rates 5 offers | Product | Published | Rate | Term / condition | Status | | **36-Month Auto Loan** auto_any_36mo | — APR | 4.150% | 36 mo | Standard | | **48-Month Auto Loan** auto_any_48mo | — APR | 4.300% | 48 mo | Standard | | **60-Month Auto Loan** auto_any_60mo | — APR | 4.450% | 60 mo | Standard | | **Auto Loan Rates (61 - 72 Months)** auto_any_72mo | — APR | 4.700% | 72 mo | Standard | | **Auto Loan Rates (73 - 84 Months)** auto_any_84mo | — APR | 5.400% | 84 mo | Standard | Membersfirst Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **10 - 15 years (Max LTV May Vary)** heloc | — APR | 6.000% | — | Standard | | **HELOC (10 - 15 years (Max LTV May Vary))** heloc_variable | — APR | 6.000% | — | Standard | Membersfirst Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | **General Purpose Loans (Share Secured Loan (6 to 60 months))** personal_secured_60mo | — APR | 2.500% | 60 mo | Standard | | **General Purpose Loans (Credit Establishing Loan (with no credit history))** personal | — APR | 6.000% | — | Standard | | **General Purpose Loans (Personal Loan (up to 60 months))** personal_unsecured_60mo | — APR | 9.900% | 60 mo | Standard | | **General Purpose Loans (Credit Establishing Loan (up to $2500))** personal | — APR | 12.000% | — | Standard | | **General Purpose Loans (Credit Establishing Loan (rebuilding credit))** personal | — APR | 12.000% | — | Standard | Membersfirst Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Recognizing and Avoiding Survey Fraud (Visa Platinum with Rewards)** credit_card_rewards | — APR | 8.990% | — | Standard | | **Recognizing and Avoiding Survey Fraud (Visa Classic with Rewards)** credit_card_rewards | — APR | 13.880% | — | Standard | | **Recognizing and Avoiding Survey Fraud (Visa Secured with Rewards)** credit_card_secured | — APR | 14.880% | — | Standard | Membersfirst Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 27 offers | Product | Published | Rate | Term / condition | Status | | ***APY: (MembersFirst 55 + Checking)** checking | 0.03% APY | 0.03% | — | Standard | | ***APY: (Business Savings)** savings | 0.15% APY | 0.15% | — | Eligibility restricted | | ***APY: (Special Purpose Savings)** savings | 0.20% APY | 0.20% | — | Standard | | ***APY: (MembersFirst 55+ Savings)** savings | 0.21% APY | 0.21% | — | Standard | | ***APY: (Christmas Club Savings)** savings | 0.25% APY | 0.25% | — | Specialty offer | | ***APY: ($100.00 to $999.99)** savings | — APY | 1.26% | — | Standard | | ***APY: ($1,000.00 to $ 9,999.99)** savings | — APY | 1.26% | — | Standard | | ***APY: ($10,000.00 to $ 24,999.99)** savings | — APY | 1.31% | — | Standard | | ***APY: ($25,000.00 to $ 49,999.99)** savings | — APY | 1.51% | — | Standard | | ***APY: ($50,000.00 to $ 99,999.99)** savings | — APY | 1.68% | — | Standard | | ***APY: ($100,000.00 and above)** savings | — APY | 1.80% | — | Standard | | **90 Days** savings | — APY | 2.62% | — | Standard | | **Certificate & IRA Certificate Rates (90 Days)** ira_cd | — APY | 2.62% | — | Standard | | **6-Month IRA Certificate** ira_cd_6mo | — APY | 3.64% | 6 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.64% | 6 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 3.88% | 18 mo | Standard | | **12-Month IRA Certificate** ira_cd_12mo | — APY | 3.88% | 12 mo | Standard | | **18-Month IRA Certificate** ira_cd_18mo | — APY | 3.88% | 18 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.88% | 12 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | — APY | 3.93% | 36 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.93% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.93% | 36 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | — APY | 3.93% | 24 mo | Standard | | **48-Month IRA Certificate** ira_cd_48mo | — APY | 4.17% | 48 mo | Standard | | **60-Month IRA Certificate** ira_cd_60mo | — APY | 4.17% | 60 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 4.17% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 4.17% | 60 mo | Standard | Membersfirst Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 0.21% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/georgia/membersfirst) , verified from [Membersfirst Credit Union's official website](https://membersfirstga.com/) Loading branch locator… ## About Membersfirst Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 26.8K Assets $429.1M Founded 1953 Locations reported 14 NCUA charter 67538 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 - Financial education - Bilingual services - 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. [**Platinum** Decatur Branch · Decatur · GA · 30033 About 0.6 miles away](https://rateapi.dev/credit-unions/georgia/platinum) [**Peach State** North Decatur Square · Decatur · GA · 30033 About 1.6 miles away](https://rateapi.dev/credit-unions/georgia/peach-state) [**Associated Credit Union** VA Med Center Remote ITM · Decatur · GA · 30033 About 1.7 miles away](https://rateapi.dev/credit-unions/georgia/associated-credit-union) [**Credit Union 1** Decatur office · Decatur · GA · 30030-1229 About 2.1 miles away](https://rateapi.dev/credit-unions/illinois/credit-union-1) [**Georgia United** Tucker Office · Tucker · GA · 30084-5142 About 2.4 miles away](https://rateapi.dev/credit-unions/georgia/georgia-united) [**Delta Community** Decatur · Decatur · GA · 30030-2500 About 2.6 miles away](https://rateapi.dev/credit-unions/georgia/delta-community) 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 Membersfirst Credit Union Membership eligibility from Membersfirst Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Membersfirst Credit Union's website. Check the membership page below to confirm whether you qualify. - Location GA - Employer Emory Healthcare Decatur, Douglas County Board of Education, Savannah State University, Haven House Hospice, Franklin’s Memorial Drive, Inc., Eastside Elementary School PTA, Hiram Elementary School PTA, Grace Baptist Christian School, National Gypsum (employees in Garden City, GA), The Housing Authority of Savannah, Aramark Uniform - School Atlanta South Nephrology, Atlanta Medicine and Cardiology Center, Grace Baptist Christian School, St. Joseph Hospital – Atlanta or Lawrenceville Verified from [Membersfirst Credit Union's membership page](https://membersfirstga.com/membership/eligibility/) . Final membership determination is always made by the credit union. ## Membership rules for Membersfirst Credit Union Employers 12 · Schools 4 · Family 17 published paths to membership, last verified August 27, 2026, quoted from Membersfirst Credit Union’s own published criteria. ### Employers 12 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of healthcare “Emory Healthcare Decatur (formerly Dekalb Medical Center)*” > [source ↗](https://membersfirstga.com/membership/eligibility/) - Employee of healthcare - Employee of Board of Education “Douglas County Board of Education” > [source ↗](https://membersfirstga.com/membership/eligibility/) - Employee of Board of Education - Employee of state “Savannah State University” > [source ↗](https://membersfirstga.com/membership/eligibility/) - Employee of state - Employee of Hospice - Works in city:GA:atlanta “Haven House Hospice who work in Atlanta, Georgia” > [source ↗](https://membersfirstga.com/membership/eligibility/) - Employee of Hospice and Works in Atlanta, GA - Employee of Memorial - Works in city:GA:covington “Franklin’s Memorial Drive, Inc., who work in or are paid from Covington, Georgia” > [source ↗](https://membersfirstga.com/membership/eligibility/) - Employee of Memorial and Works in Covington, GA - Employee of Memorial - Paid from city:GA:covington “Franklin’s Memorial Drive, Inc., who work in or are paid from Covington, Georgia” > [source ↗](https://membersfirstga.com/membership/eligibility/) - Employee of Memorial and Paid from Covington, GA - Employee of school - Works in city:GA:douglasville “Eastside Elementary School PTA located in Douglasville, Georgia” > [source ↗](https://membersfirstga.com/membership/eligibility/) - Employee of school and Works in Douglasville, GA - Employee of school - Works in city:GA:hiram “Hiram Elementary School PTA located in Hiram, Georgia” > [source ↗](https://membersfirstga.com/membership/eligibility/) - Employee of school and Works in Hiram, GA - Employee of school “Grace Baptist Christian School” > [source ↗](https://membersfirstga.com/membership/eligibility/) - Employee of school - Employee of employees “National Gypsum (employees in Garden City, GA)” > [source ↗](https://membersfirstga.com/membership/eligibility/) - Employee of employees - Employee of Housing Authority - Works in city:GA:savannah “The Housing Authority of Savannah who work in Savannah, Georgia” > [source ↗](https://membersfirstga.com/membership/eligibility/) - Employee of Housing Authority and Works in Savannah, GA - Employee of Aramark “Employees of Aramark Uniform” > [source ↗](https://membersfirstga.com/membership/eligibility/) - Employee of Aramark ### Schools 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Student of Atlanta Academy - Works in city:GA:atlanta “Atlanta South Nephrology who work in Atlanta, Georgia” > [source ↗](https://membersfirstga.com/membership/eligibility/) - Student at Atlanta Academy and Works in Atlanta, GA - Student of Atlanta Academy - Paid from city:GA:east point “Atlanta Medicine and Cardiology Center who are paid from East Point, Georgia” > [source ↗](https://membersfirstga.com/membership/eligibility/) - Student at Atlanta Academy and Paid from East Point, GA - Student of Grace Academy “Grace Baptist Christian School” > [source ↗](https://membersfirstga.com/membership/eligibility/) - Student at Grace Academy - Student of Atlanta Academy “St. Joseph Hospital – Atlanta or Lawrenceville” > [source ↗](https://membersfirstga.com/membership/eligibility/) - Student at Atlanta Academy ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of someone eligible family “Credit Union membership is open to the following individuals and their family members.” > [source ↗](https://membersfirstga.com/membership/eligibility/) - Family member (family) of an eligible person 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 Membersfirst Credit Union? Yes No ## Work at Membersfirst Credit Union? 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 Membersfirst Credit Union ranks against Georgia peers. - See which AI assistants fetched Membersfirst Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Georgia - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=membersfirst&state=georgia&code=GA&name=Membersfirst%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Membersfirst Credit Union offer? Membersfirst Credit Union currently offers Auto 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 Membersfirst Credit Union rates updated? RateAPI verifies Membersfirst Credit Union'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 Membersfirst Credit Union's rate data? Rate data is collected directly from Membersfirst Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Membersfirst Credit Union's best CD rate? As of November 12, 2026, Membersfirst Credit Union offers savings and certificate (CD) yields up to 0.21% APY. ### Who can join Membersfirst Credit Union? Membersfirst Credit Union publishes its membership criteria on its own website. RateAPI tracks 17 published membership paths covering 12 employers and 4 schools for Membersfirst Credit Union, each quoted from Membersfirst Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Membersfirst Credit Union's rates against national credit-union benchmarks. [More Georgia credit unions](https://rateapi.dev/credit-unions/georgia) [Georgia auto loan rate leaders](https://rateapi.dev/auto-loan-rates/georgia) [Georgia HELOC rate leaders](https://rateapi.dev/heloc-rates/georgia) [Georgia personal loan leaders](https://rateapi.dev/personal-loan-rates/georgia) [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://membersfirstga.com/) ### 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 Membersfirst Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Georgia 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 Membersfirst Credit Union curl "https://api.rateapi.dev/credit-unions/georgia /membersfirst " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Membersfirst Credit Union locations Search, filter, and browse all 14 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/georgia/membersfirst Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp