--- title: "Members First Credit Union Rates: CDs to 4.25%, Mortgage 7.13%" description: "Members First Credit Union rates today: 15 year fixed mortgage 7.13% APR, savings & CDs up to 4.25% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Members First Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/members-first" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Members First Credit Union Rates: CDs to 4.25%, Mortgage 7.13% ### Mortgage rates 5 offers | Product | Published | Rate | Term / condition | Status | | **15-Year Fixed** 15 year fixed | 7.125% APR | 7.125% | — | Standard | | **First Mortgages (15 Year)** other | 7.150% APR | 7.000% | — | Standard | | **First Mortgages (20 Year)** other | 7.240% APR | 7.125% | — | Standard | | **First Mortgages (10 Year)** other | 7.330% APR | 7.125% | — | Standard | | **First Mortgages (30 Year)** other | 7.340% APR | 7.250% | — | Standard | Members First Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Up to 60-Month Auto Loan** auto_any_60mo | — APR | 4.990% | 60 mo | Standard | | **Up to 48-Month Auto Loan** auto_any_48mo | — APR | 4.990% | 48 mo | Standard | | **Up to 72-Month Auto Loan** auto_any_72mo | — APR | 5.490% | 72 mo | Standard | | **Up to 84-Month Auto Loan** auto_any_84mo | — APR | 5.740% | 84 mo | Standard | Members First Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Up to 84-Month Unsecured Personal Loan** personal_unsecured_84mo | — APR | 10.490% | 84 mo | Standard | Members First Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 19 offers | Product | Published | Rate | Term / condition | Status | | **IRA Certificate** ira_cd | — APY | 0.10% | — | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.54% | 24 mo | Standard | | **27-Month Certificate** cd_27mo | — APY | 3.54% | 27 mo | Standard | | **27-Month IRA Certificate** ira_cd_27mo | 3.60% APY | 3.54% | 27 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | 3.60% APY | 3.54% | 24 mo | Standard | | **9-Month Certificate** cd_9mo | — APY | 3.64% | 9 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.64% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.69% | 48 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.69% | 12 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 3.69% | 60 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | 3.70% APY | 3.64% | 36 mo | Standard | | **9-Month IRA Certificate** ira_cd_9mo | 3.70% APY | 3.64% | 9 mo | Standard | | **12-Month IRA Certificate** ira_cd_12mo | 3.75% APY | 3.69% | 12 mo | Standard | | **48-Month IRA Certificate** ira_cd_48mo | 3.75% APY | 3.69% | 48 mo | Standard | | **60-Month IRA Certificate** ira_cd_60mo | 3.75% APY | 3.69% | 60 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.93% | 6 mo | Standard | | **6-Month IRA Certificate** ira_cd_6mo | 4.00% APY | 3.93% | 6 mo | Standard | | **15-Month Certificate** cd_15mo | — APY | 4.17% | 15 mo | Standard | | **15-Month IRA Certificate** ira_cd_15mo | 4.25% APY | 4.17% | 15 mo | Standard | Members First Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **APR as low as*** other | 0.250% % | 0.250% | — | Standard | Members First Credit Union other rates as of November 12, 2026 As of November 12, 2026, Members First Credit Union offers a 15-year fixed mortgage at 7.125% APR. Savings and certificate yields up to 4.25% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/members-first) , verified from [Members First Credit Union's official website](https://www.mfcu.net/) Best product position **Room to improve vs. the Michigan median** 15-year fixed mortgage Gap to state best **51 bp** 51 bp from state best Vs. state median **51 bp behind median** 15-year fixed mortgage Products ranked **2** across tracked Michigan markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.34% | Room to improve vs. the Michigan median | 70 bp from state best | 27 bp behind median | | 15-year fixed mortgage | 7.13% | Room to improve vs. the Michigan median | 51 bp from state best | 51 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Members First Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=members-first&state=michigan&code=MI&name=Members%20First%20Credit%20Union) Loading branch locator… ## About Members First Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 67.4K Assets $904.1M Founded 1936 Locations reported 11 NCUA charter 62076 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 - 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. [**Jolt** Midland Branch · Midland · MI · 48640-2660 About 5.9 miles away](https://rateapi.dev/credit-unions/michigan/jolt) [**Health Advantage** Midland Office · Midland · MI · 48640 About 6.2 miles away](https://rateapi.dev/credit-unions/michigan/health-advantage) [**Dow** Dow Credit Union · Midland · MI · 48640-5396 About 6.2 miles away](https://rateapi.dev/credit-unions/michigan/dow) [**Frankenmuth** Midland · Midland · MI · 48640 About 6.3 miles away](https://rateapi.dev/credit-unions/michigan/frankenmuth) [**Security** Midland Office · Midland · MI · 48640 About 6.4 miles away](https://rateapi.dev/credit-unions/michigan/security) [**Wildfire** Midland Branch · Midland · MI · 48642 About 9.8 miles away](https://rateapi.dev/credit-unions/michigan/wildfire) 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 Membership eligibility from Members First Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Members First Credit Union's website. Check the membership page below to confirm whether you qualify. - Location MI Verified from [Members First Credit Union's membership page](https://www.mfcu.net/member) . Final membership determination is always made by the credit union. ## Membership rules for Members First Credit Union Geography 4 · Family 5 published paths to membership, last verified August 27, 2026, quoted from Members First Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - MI “Persons who live, work, attend school or worship within any county in the State of Michigan.” > [source ↗](https://www.mfcu.net/member) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member immediate family “Persons in the immediate family of existing members.” > [source ↗](https://www.mfcu.net/member) - 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? Yes No ## Work at Members First 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 Members First Credit Union ranks against Michigan peers. - See which AI assistants fetched Members First Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Michigan - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=members-first&state=michigan&code=MI&name=Members%20First%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Members First Credit Union offer? Members First Credit Union currently offers mortgage, Auto loan, and personal loan 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 rates updated? RateAPI verifies Members First 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 Members First Credit Union's rate data? Rate data is collected directly from Members First 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 Members First Credit Union's mortgage rate? As of November 12, 2026, Members First Credit Union offers a 15-year fixed mortgage at 7.125% APR. ### What is Members First Credit Union's best CD rate? As of November 12, 2026, Members First Credit Union offers savings and certificate (CD) yields up to 4.25% APY. ### Who can join Members First Credit Union? Members First Credit Union publishes its membership criteria on its own website. RateAPI tracks 5 published membership paths covering 4 geographic areas for Members First Credit Union, each quoted from Members First Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Members First Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan mortgage rate leaders](https://rateapi.dev/mortgage-rates/michigan) [Michigan auto loan rate leaders](https://rateapi.dev/auto-loan-rates/michigan) [Michigan personal loan leaders](https://rateapi.dev/personal-loan-rates/michigan) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [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.mfcu.net/) ### 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 rates Get a free API key to query these rates programmatically, or get the daily email when Michigan 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 curl "https://api.rateapi.dev/credit-unions/michigan /members-first " \ -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 locations Search, filter, and browse all 11 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/michigan/members-first Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp