Credit Cards

At Members First, our credit cards are designed with your financial well-being in mind. Unlike most card issuers, we offer a fixed interest rate so you can count on consistent payments without the worry of fluctuating rates. Even better, we apply the same low rate to both purchases and cash advances, giving you greater flexibility without added cost. Plus, for added peace of mind, you can link your credit card to your Members First checking account to use it as overdraft protection, helping you avoid unexpected fees and keep your finances on track.

Visa Credit Cards

We offer Visa credit cards to meet the differing needs of our members. Our Visa credit cards have:

• $0 Annual Fee
• Rates as low as 9.9% APR* for Purchases and Cash Advances
• 25-day grace period on purchases 
• Credit limits available from $1,000 up to $25,000*
• Optional Debt Protection available
• Manage your card from anywhere with the M1st Mobile App
• Tap to Pay available in your Digital Wallet
• Link your Credit Card to your checking account for Overdraft Protection.

Apply For A Credit Card Here

Secured Visa Credit Cards

We offer a Secured Visa Credit Card for members that want to build or repair their credit. With the Secured Visa, you will secure it with your own funds.

• $0 Annual Fee
• Rates as low as 13.9% APR* for Purchases and Cash Advances
• 25-day grace period on purchases
• Secured credit limits available from $1,000 up to $25,000, matching the funds that remain on hold in your Savings account
• Manage your card from anywhere with the M1st Mobile App
• Tap to Pay available in your Digital Wallet
• Link your Secured Credit Card to your checking account for Overdraft Protection.
• Everyone’s approved for a Secured Credit Card

Apply For A Credit Card Here

View Rates and Fees

View Credit Card Agreement

View Credit Card Billing Rights.

A fee of 1.00% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash withdrawals and credits to your account.

Need to make a payment on your M1st Credit Card from a different financial institution?

Make a Loan Payment Here 

Helpful Card Information

*All loans subject to usual credit standards. Annual Percentage Rate (APR) determined by credit score. Credit Limit determined by credit score and income.