--- title: "Members 1st Credit Union Rates - Missouri" description: "Current auto loan rates from Members 1st Credit Union in Missouri. Updated daily with source verification. See who can join Members 1st Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/missouri/members-1st" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Members 1st Credit Union Rates - Missouri ### Auto & vehicle rates 11 offers | Product | Published | Rate | Term / condition | Status | | **Loan Rates Table (Up to 42 months)** auto_any_42mo | — APR | 4.750% | 42 mo | Standard | | **Loan Rates Table (43 - 66 months)** auto_any_66mo | — APR | 4.990% | 66 mo | Standard | | **Loan Rates Table (67 - 72 months)** auto_any_72mo | — APR | 5.250% | 72 mo | Standard | | **Loan Rates Table (73 - 84 months)** auto_any_84mo | — APR | 5.500% | 84 mo | Standard | | **Loan Rates Table (73 - 84 months (A, B & C paper only))** auto_any_84mo | — APR | 5.750% | 84 mo | Standard | | **Loan Rates Table (85 - 120 months (President must approve))** auto_any_120mo | — APR | 6.500% | 120 mo | Standard | | **Loan Rates Table (85-120 months (A & B paper only))** auto_any_120mo | — APR | 6.750% | 120 mo | Standard | | **Loan Rates Table (85 - 120 months (A, B & C paper only))** auto_any_120mo | — APR | 6.750% | 120 mo | Standard | | **Loan Rates Table (Up to 36 months)** auto_any_36mo | — APR | 6.990% | 36 mo | Standard | | **Loan Rates Table (85 to 120 months)** auto_any_120mo | — APR | 7.500% | 120 mo | Standard | | **Loan Rates Table (85 to 120 months (A, B & C paper only))** auto_any_120mo | — APR | 7.750% | 120 mo | Standard | Members 1st Credit Union auto & vehicle rates as of November 13, 2026 ### Other rates 10 offers | Product | Published | Rate | Term / condition | Status | | **Loan Rates Table (24 Months)** other | — % | 1.490% | — | Standard | | **Loan Rates Table (25 - 60 Months)** other | — % | 2.490% | — | Standard | | **Loan Rates Table (61 - 84 Months)** other | — % | 3.490% | — | Standard | | **Loan Rates Table (60 Months)** other | — % | 5.500% | — | Standard | | **Loan Rates Table (84 Months)** other | — % | 5.750% | — | Standard | | **Loan Rates Table (120 Months)** other | — % | 6.250% | — | Standard | | **Loan Rates Table (Open end)** other | — % | 6.500% | — | Standard | | **Loan Rates Table (180 Months)** other | — % | 6.750% | — | Standard | | **Loan Rates Table (25 - 36 Months)** other | — % | 10.000% | — | Standard | | **Loan Rates Table (37 - 48 Months)** other | — % | 11.000% | — | Standard | Members 1st Credit Union other rates as of November 13, 2026 Members 1st Credit Union is a credit union in Missouri. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/missouri/members-1st) , verified from [Members 1st Credit Union's official website](https://me1stcu.com/) Loading branch locator… ## About Members 1st Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 4.2K Assets $75M Founded 1951 Locations reported 2 NCUA charter 67770 Charter type Federally insured state-chartered credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments 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. [**Together** Tesson Ferry · Saint Louis · MO · 63128 About 0.4 miles away](https://rateapi.dev/credit-unions/missouri/together) [**First Community** Tesson Ferry · Saint Louis · MO · 63128-2911 About 0.6 miles away](https://rateapi.dev/credit-unions/missouri/first-community) [**Communityamerica** Tesson Ferry · Saint Louis · MO · 63128 About 1.4 miles away](https://rateapi.dev/credit-unions/kansas/communityamerica) [**Vantage** South County · Saint Louis · MO · 63129 About 2.6 miles away](https://rateapi.dev/credit-unions/missouri/vantage) [**Neighbors** Neighbors Credit Union · Saint Louis · MO · 63123-7804 About 2.9 miles away](https://rateapi.dev/credit-unions/missouri/neighbors) [**Gateway Metro** South · Saint Louis · MO · 63123-6914 About 2.9 miles away](https://rateapi.dev/credit-unions/missouri/gateway-metro) 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 1st Credit Union Membership eligibility from Members 1st Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Members 1st Credit Union's website. Check the membership page below to confirm whether you qualify. - Location franklin, jefferson, st. charles, st. louis, madison, st. clair — MO, IL Verified from [Members 1st Credit Union's membership page](https://me1stcu.com/aboutus_eligibility.aspx) . Final membership determination is always made by the credit union. ## Membership rules for Members 1st Credit Union Geography 6 counties · Family 8 published paths to membership, last verified August 21, 2026, quoted from Members 1st Credit Union’s own published criteria. ### Geography 7 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Franklin County, MO - Jefferson County, MO - Madison County, IL - St. Charles County, MO - St. Clair County, IL - St. Louis City, MO - St. Louis County, MO “Franklin County” > [source ↗](https://me1stcu.com/aboutus_eligibility.aspx) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member “Your family members can also join!” > [source ↗](https://me1stcu.com/aboutus_eligibility.aspx) - Family member 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 1st Credit Union? Yes No ## Work at Members 1st 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 1st Credit Union ranks against Missouri peers. - See which AI assistants fetched Members 1st Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Missouri - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=members-1st&state=missouri&code=MO&name=Members%201st%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Members 1st Credit Union offer? Members 1st Credit Union currently offers Auto loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Members 1st Credit Union rates updated? RateAPI verifies Members 1st Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Members 1st Credit Union's rate data? Rate data is collected directly from Members 1st Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Members 1st Credit Union? Members 1st Credit Union publishes its membership criteria on its own website. RateAPI tracks 8 published membership paths covering 6 counties for Members 1st Credit Union, each quoted from Members 1st Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Members 1st Credit Union's rates against national credit-union benchmarks. [More Missouri credit unions](https://rateapi.dev/credit-unions/missouri) [Missouri auto loan rate leaders](https://rateapi.dev/auto-loan-rates/missouri) [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://me1stcu.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 Members 1st Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Missouri 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 1st Credit Union curl "https://api.rateapi.dev/credit-unions/missouri /members-1st " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Members 1st Credit Union locations Search, filter, and browse all 2 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/missouri/members-1st Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp