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Personal Rates as low as
Your fresh start begins with a Members 1st Personal Loan. Create space for what matters most—and leave financial stress behind.
A personal loan is money you borrow from a financial institution with a fixed interest rate that you repay through fixed monthly payments. Members 1st Federal Credit Union is a trusted source for personal loans in Pennsylvania. Become a member to create an account and apply for your personal loan. We offer some of the lowest personal loan interest rates on the market:
Valid as of October 17, 2026
| Loans Over $25,000 | Loans Under $25,000 | |
|---|---|---|
| Term | APR* | APR* |
| 12 Months | % | % |
| 24 Months | % | % |
| 36 Months | % | % |
| 48 Months | % | % |
| 60 Months | % | % |
| 84 months | N/A | % |
| 120 months | N/A | % |
| 180 months | N/A | % |
*APR = Annual Percentage Rate. Available terms may be restricted by loan amount and/or credit score. Rates effective as of October 1, 2026. $2,500 in new money required. Loans may be subject to other terms and conditions. See rates (opens in a new tab) or ask an associate for details.
A personal loan can provide you with low-interest funding to help you afford numerous expenses, including:
Debt Consolidation
Home Improvement
Vacations and Travel
Wedding
Medical Emergencies
Vehicle Repairs
Members 1st's personal loans can connect you with the funds you need for life's expenses. Whether you're consolidating high-interest debt, covering sudden medical expenses, paying for emergency vehicle repairs or completing a home renovation project, Members 1st can help you accomplish your goals with affordable, convenient borrowing options. Here's what makes Members 1st a trusted credit union to open a personal loan with:
Applying for a personal loan with Members 1st is quick and easy. Our simple process ensures we have all the information we need to provide the right personal loan for your situation. To get started, register for a Members 1st account with your email. Then, open a personal account by selecting your product, providing some personal information, making a $5 deposit and submitting your application. We provide loan decisions as quickly as we can. Approval for larger more complex loans may take longer than others.
Members 1st strives to make the loan application process as fast and simple as possible. Preparing some important information ahead of time can ensure the smoothest application process and the quickest decision. Here's what you'll need to have ready:
The amount you want to borrow
Your ideal term length
A valid drivers license, government-issued ID, United States passport or another form of personal identification
Your Social Security Number (SSN)
Information regarding your current employer and income
Personal contact information, including a valid email address, physical address and telephone number
If applying jointly, a co-applicant's SSN, employment information, income records and contact information
A $5 source funding minimum from a credit card or an account with another institution
The loan application 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 a member yet, don't worry. We will sign you up as part of the process.**
We can't wait to welcome you to the faM1ly.
How long does it take to get approved?
While we can make many decisions immediately, loans with more complex circumstances or higher values may take longer. Our team strives to provide fast decisions.
How much can I apply for?
Personal loans are used for multiple purposes. We offer personal loans for as little as $500. Loans up to $75,000 are based on affordability, credit history and other factors.
How will applying for a loan impact my credit score?
Consideration for a personal loan requires a review of your credit report. When credit is pulled, an inquiry is placed on your credit record. While the impact of individual inquiries cannot be determined exactly, a strong impact on your credit score is more likely with repeated or excessive inquiries in a short period of time. Applications for credit on a reasonable, periodic basis are not likely to create a lasting negative effect on your credit score. We do suggest monitoring your credit report by taking advantage of your free annual credit report available at www.annualcreditreport.com (opens in a new tab).
Is a personal loan a good option for my small business expenses?
Our personal loans are available for consumer and household needs. Business loans can be applied for with our branch managers or contact MyConcierge™.
Do I need to become a Members 1st member to get my loan?
You'll have to become a member to secure a personal loan from Members 1st. Fortunately, our membership application takes only a few minutes. You can register online to become a member and apply for your personal loan.
Do I need to submit collateral for my personal loan?
Our personal loans do not require collateral. Unlike the loans you'd take out for a house or car, personal loans are unsecured and collateral-free. Your only immediate financial commitment will be opening a Members 1st account and making a $5 deposit.
How will I receive my funds?
Members 1st personal loan funds are often available the next day, although the time may vary with the amount and delivery method. You can choose to receive your loan through either a direct deposit or check. Direct deposit takes one to two business days to clear. Checks take five to seven business days.
