PERSONAL LINE OF CREDIT

SPEND SMART, STRESS LESS

A Personal Line of Credit allows you to borrow only what you need, when you need it—giving you the ability to plan your spending this holiday season. Say goodbye to the stress of surprise expenses and make your holiday spending as predictable as your aunt’s homemade cranberry sauce.

For non-members, you'll be required to join Members 1st to meet eligibility requirements. 

Apply Now Increase an Existing Line of Credit

PAY ONLY WHAT YOU OWE FOR AS LONG AS YOU BORROW

Personal lines of credit can be used for many of the same expenses as personal loans and they're also a popular choice for overdraft protection.

Your final loan rate may vary from what is advertised on our rate sheet as it is based on your personal credit history and current credit report. 

tools and resources

Icon of a percentage symbol
Calculate Your Payment
Icon of someone handing a coin purse
Loan Payment Ticket
Icon of a coin on a computer screen

Apply Now

The application process will take just a few minutes to complete. We may ask you for additional information to verify your income or your Members 1st account.

If you are not yet a member, don't worry. We'll sign you up as part of the process.* We can't wait to welcome you to the faM1ly.

Apply Now Find your branch
We're Here to Help

Getting Ready for Life's Moments and Milestones

Visa Signature® Card

Get 1.5% cash back (or 1.5 points) on every dollar you spend. On top of that, you get emergency medical coverage, trip interruption insurance, and Visa Signature Concierge Service—all with no annual fee.

Get Started

Buying a House

Your home will likely be the biggest investment you ever make. Here’s everything you need to know—and who to talk to if you’d like some personalized guidance.

Get Started

Goal Savings

Save for big plans—a little at a time. With great rates and powerful in-app tools, it’s never been easier to set (and achieve) your long-term goals.

Get Started

Protect

Protecting what you care about shouldn’t be complicated or unaffordable. We offer a full range of personal, group, auto, health, and life insurance plans through the most respected insurance companies in the business.

Get Started

Hit the Road

Hear that? It’s the open road calling. Here’s how to get an auto loan quicker and smarter.

Get Started

Off to College

Welcome to the start of a new beginning! Here's how to avoid student loans and make the most of saving for college.

Get Started

Available terms may be restricted by loan amount and/or credit score. Loans may be subject to other terms and conditions. See Rates for details.

Please be aware that by continuing you will be leaving www.members1st.org and viewing content from another website.

For your protection please be advised that public Internet email is not secure. Various links within our web site allow you to submit information to us by public Internet email. Please DO NOT provide personal or account information through public email or submit any personal information that would compromise your identity including your account number, social security number, credit card numbers, electronic services PINs, passwords or mother's maiden name. Members 1st will not respond via public Internet email to requests-for-account-information or account activity. Please contact Customer Service with these types of requests at (800) 237-7288 or (717) 795-6049.