--- title: "Members First Credit Union Rates (Nov 2026): CDs to 3.60%" description: "Members First Credit Union rates today: savings & CDs up to 3.60% 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/texas/members-first" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Members First Credit Union Rates (Nov 2026): CDs to 3.60% ### Auto & vehicle rates 31 offers | Product | Published | Rate | Term / condition | Status | | **Newer ( and Newer) Auto Loans (36 Month)** auto_any_36mo | — APR | 4.990% | 36 mo | Standard | | **Newer ( and Newer) Auto Loans (60 Month)** auto_any_60mo | — APR | 4.990% | 60 mo | Standard | | **Newer ( and Newer) Auto Loans (48 Month)** auto_any_48mo | — APR | 4.990% | 48 mo | Standard | | **Older ( and Older) Auto Loans (48 Month)** auto_used_48mo | — APR | 5.240% | 48 mo · used | Standard | | **Older ( and Older) Auto Loans (36 Month)** auto_used_36mo | — APR | 5.240% | 36 mo · used | Standard | | **Newer ( and Newer) Auto Loans (72 Month)** auto_any_72mo | — APR | 5.490% | 72 mo | Standard | | **Older ( and Older) Auto Loans (60 Month)** auto_used_60mo | — APR | 5.490% | 60 mo · used | Standard | | **Older ( and Older) Auto Loans (72 Month)** auto_used_72mo | — APR | 5.740% | 72 mo · used | Standard | | **Newer ( and Newer) Auto Loans (84 Month)** auto_any_84mo | — APR | 5.990% | 84 mo | Standard | | **Newer ( and Newer) RV and Trailer Loans (84 Month)** rv_any_84mo | — APR | 5.990% | 84 mo | Standard | | **Newer ( and Newer) Boat Loans (84 Month)** boat_any_84mo | — APR | 5.990% | 84 mo | Standard | | **Older ( and Older) Auto Loans (84 Month)** auto_used_84mo | — APR | 6.240% | 84 mo · used | Standard | | **Newer ( and Newer) Auto Loans (96 Month)** auto_any_96mo | — APR | 6.490% | 96 mo | Standard | | **Newer ( and Newer) Boat Loans (120 Month)** boat_any_120mo | — APR | 6.490% | 120 mo | Standard | | **Older ( and Older) Boat Loans (84 Month)** boat_used_84mo | — APR | 6.490% | 84 mo · used | Standard | | **Newer ( and Newer) RV and Trailer Loans (120 Month)** rv_any_120mo | — APR | 6.490% | 120 mo | Standard | | **Older ( and Older) RV and Trailer Loans (84 Month)** rv_used_84mo | — APR | 6.490% | 84 mo · used | Standard | | **Newer ( and Newer) Boat Loans (180 Month)** boat_any_180mo | — APR | 6.990% | 180 mo | Standard | | **Older ( and Older) RV and Trailer Loans (120 Month)** rv_used_120mo | — APR | 6.990% | 120 mo · used | Standard | | **Older ( and Older) Boat Loans (120 Month)** boat_used_120mo | — APR | 6.990% | 120 mo · used | Standard | | **Newer ( and Newer) RV and Trailer Loans (180 Month)** rv_any_180mo | — APR | 6.990% | 180 mo | Standard | | **Older ( and Older) RV and Trailer Loans (180 Month)** rv_used_180mo | — APR | 7.490% | 180 mo · used | Standard | | **Newer ( and Newer) Motorcycle and ATV Loans (36 Month)** motorcycle_any_36mo | — APR | 7.490% | 36 mo | Standard | | **Older ( and Older) Boat Loans (180 Month)** boat_used_180mo | — APR | 7.490% | 180 mo · used | Standard | | **Older ( and Older) Motorcycle and ATV Loans (36 Month)** motorcycle_used_36mo | — APR | 8.490% | 36 mo · used | Standard | | **Newer ( and Newer) Motorcycle and ATV Loans (48 Month)** motorcycle_any_48mo | — APR | 8.990% | 48 mo | Standard | | **Newer ( and Newer) Motorcycle and ATV Loans (60 Month)** motorcycle_any_60mo | — APR | 9.990% | 60 mo | Standard | | **Older ( and Older) Motorcycle and ATV Loans (48 Month)** motorcycle_used_48mo | — APR | 9.990% | 48 mo · used | Standard | | **Older ( and Older) Motorcycle and ATV Loans (60 Month)** motorcycle_used_60mo | — APR | 10.990% | 60 mo · used | Standard | | **Newer ( and Newer) Motorcycle and ATV Loans (72 Month)** motorcycle_any_72mo | — APR | 10.990% | 72 mo | Standard | | **Older ( and Older) Motorcycle and ATV Loans (72 Month)** motorcycle_used_72mo | — APR | 11.990% | 72 mo · used | Standard | Members First Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 6.990% | — | Standard | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 6.990% | — | Standard | Members First Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Certificate-Secured Loan** personal_secured | — APR | 3.000% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 13.000% | — | Standard | | **Personal Line of Credit** ploc_variable | — APR | 13.500% | — | Standard | | **Signature Rewards** other | — APR | 18.740% | — | Standard | Members First Credit Union personal loan rates as of November 12, 2026 ### Student loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Student Silver** student | — APR | 13.250% | — | Standard | Members First Credit Union student loan rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Platinum Credit Card** credit_card_platinum | — APR | 13.250% | — | Standard | | **Classic** credit_card | — APR | 16.000% | — | Standard | Members First Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 28 offers | Product | Published | Rate | Term / condition | Status | | **Savings Account vs. Certificate (Dividend Rate **)** cd | — APY | 0.05% | — | Standard | | **Savings** savings | — APY | 0.05% | — | Standard | | **Money Market Accounts (Dividend Rate **)** money_market | — APY | 0.05% | — | Standard | | **Rogue Climbers 10K+** savings | — APY | 0.50% | — | Standard | | **Money Market** money_market | — APY | 0.50% | — | Standard | | **Nonprofit Business Money Market** money_market | — APY | 0.60% | — | Eligibility restricted | | **Money Market 10k** money_market | — APY | 0.60% | — | Standard | | **Money Market 25k** money_market | — APY | 0.75% | — | Standard | | **Money Market 50k** money_market | — APY | 0.90% | — | Standard | | **Money Market 100k** money_market | — APY | 1.00% | — | Standard | | **Money Market 150k** money_market | — APY | 1.00% | — | Standard | | **Rogue Climbers** savings | — APY | 1.26% | — | Standard | | **MyMoney Market** money_market | — APY | 3.00% | — | Standard | | **Certificate Add On - Small Savers (12 Month)** cd_12mo | — APY | 3.45% | 12 mo | Standard | | **12-Month Certificate ($500+)** cd_12mo | 3.50% APY | 3.45% | 12 mo | Standard | | **6-Month Certificate ($500+)** cd_6mo | 3.50% APY | 3.45% | 6 mo | Standard | | **60-Month Certificate ($500+)** cd_60mo | 3.60% APY | 3.54% | 60 mo | Standard | | **72-Month Certificate ($500+)** cd_72mo | 3.60% APY | 3.54% | 72 mo | Standard | | **24-Month Certificate ($500+)** cd_24mo | 3.60% APY | 3.54% | 24 mo | Standard | | **Certificates $500 or More (30 Month Bump Rate)** cd_30mo | 3.60% APY | 3.54% | 30 mo | Standard | | **36-Month Certificate ($500+)** cd_36mo | 3.60% APY | 3.54% | 36 mo | Standard | | **48-Month Certificate ($500+)** cd_48mo | 3.60% APY | 3.54% | 48 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 4.99% | 48 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 4.99% | 36 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 4.99% | 60 mo | Standard | | **Ownership Account** savings | — APY | 5.00% | — | Standard | | **72-Month Certificate** cd_72mo | — APY | 5.49% | 72 mo | Standard | | **84-Month Certificate** cd_84mo | — APY | 5.99% | 84 mo | Standard | Members First Credit Union savings & cd rates as of November 12, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Current Rate** other | — % | 13.000% | — | Standard | | **Business** other | — % | 13.250% | — | Standard | Members First Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 3.60% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/members-first) , verified from [Members First Credit Union's official website](https://www.m1cu.org/) Loading branch locator… ## About Members First Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 12.7K Assets $190.7M Founded 1938 Locations reported 5 NCUA charter 67658 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 - Bilingual services 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. [**Coastlife** Branch - Weber · Corpus Christi · TX · 78411 Branch in the same ZIP](https://rateapi.dev/credit-unions/texas/coastlife) [**Gulf Coast** Staples Branch · Corpus Christi · TX · 78411 About 1.2 miles away](https://rateapi.dev/credit-unions/texas/gulf-coast) [**Rally** Airline Branch · Corpus Christi · TX · 78412-3154 About 1.5 miles away](https://rateapi.dev/credit-unions/texas/rally) [**randolph-brooks** Staples · Corpus Christi · TX · 78411 About 1.8 miles away](https://rateapi.dev/credit-unions/texas/randolph-brooks) [**Texas Bridge** BRANCH 10-HOLLY · CORPUS CHRISTI · TX · 78415 About 2.3 miles away](https://rateapi.dev/credit-unions/texas/texas-bridge) [**Security Service** Everhart · Corpus Christi · TX · 78413 About 2.7 miles away](https://rateapi.dev/credit-unions/texas/security-service) 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) . Community charter: live/work in Benton, Clackamas, Clatsop +44 more - Location Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Harney, Hood River, Jackson, Josephine, Jefferson, Klamath, Lake, Lane, Lincoln, Linn, Malheur, Marion, Multnomah, Polk, Sherman, Tillamook, Wasco, Washington, Wheeler, Yamhill, Ada, Boise, Canyon, Gem, Owyhee, Payette, Butte, Del Norte, Glenn, Humboldt, Lassen, Modoc, Plumas, Shasta, Siskiyou, Tehama, Trinity Verified from [Members First Credit Union's membership page](https://www.m1cu.org/) . Final membership determination is always made by the credit union. ## 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 Texas 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 Texas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=members-first&state=texas&code=TX&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 vehicle loan, HELOC, personal loan, student 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 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 best CD rate? As of November 12, 2026, Members First Credit Union offers savings and certificate (CD) yields up to 3.60% APY. ### Who can join Members First Credit Union? Community charter: live/work in Benton, Clackamas, Clatsop +44 more ## Related Rate Data Compare Members First Credit Union's rates against national credit-union benchmarks. [More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas HELOC rate leaders](https://rateapi.dev/heloc-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [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.m1cu.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 rates Get a free API key to query these rates programmatically, or get the daily email when Texas 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/texas /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 5 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/texas/members-first Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp