ABOUT US
For nearly 75 years, Members 1st has been serving your local community with the tools and support our members need to achieve their financial goals. As your trusted credit union, we’re committed to offering competitive rates, customized service and a focus on what matters most—your financial success.
Meet The Team
Whether you’re laying the foundation or adding the finishing touches, we’re here to guide you every step of the way when building your new home—turning your vision into reality.
Our Mortgage Solutions
Physician Program¹
100% financing* with no monthly Private Mortgage Insurance for physicians.
Professional Program¹
100% financing* with no monthly PMI for recent graduates in eligible professions.
Purchase Power Program¹
100% financing* for first-time homebuyers.
Rate Cap Program
Lock in your rate up to a year before settlement with the option to adjust if rates drop.
Swing Loan Program
With short-term financing, use the equity in your current home as collateral to purchase a new one.
LOOKING FOR MORE INFORMATION ON YOUR HOME LOAN?
What is a Land Loan and How Does It Work?
Learn how to finance a piece of land where you can eventually build the perfect house.
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Costs Involved in Owning a House
New homeowners are often surprised by the costs of owning a home. Your mortgage is one thing, but what else adds to homeownership expenses?
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Home Warranty Vs. Homeowners Insurance
They can help you save on home repairs and protect your investment. But do you need both?
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What is a Construction Loan?
Searching for your dream home but haven’t found it yet? Building a home customized the way you like could be your answer.
Read More*Sample terms: If you borrow $300,000.00 at 7.305% APR with a 30-year term, your estimated monthly payment may be $1,970.79 for principal and interest. The payment amount does not include taxes and insurance and the actual payment may be greater. Annual percentage rate at a 100% loan to value.
1Members 1st FCU must be in a first lien position. Member Loyalty Rewards may apply. Minimum 1% borrower contribution towards closing costs, pre-paids or minimum reserve requirements. Gift funds are permitted to meet minimum borrower contribution. Two months’ reserves required or residual monthly income equal to the monthly mortgage payment including principal, interest, taxes and insurance. An interior and exterior residential appraisal will be required. Flood determination is required. Escrows for taxes, insurance and flood insurance (if applicable) is required and the monthly payment will be greater. Monthly Borrower Paid Mortgage Insurance - 25% coverage with Genworth only. Nontraditional credit and non-occupant co-borrowers are ineligible. Ask for details.