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Loan Services

Debt Protection
Our debt protection covers many things such as death, disability, and unemployment. The Debt protection covers Involuntary layoff, strike or labor dispute, lockout, or termination (that is not due to criminal or willful misconduct) In the event of involuntary unemployment, the protected loan payment will be canceled for that specific time period. It is very convenient and affordable coverage. We also offer death & disability. To safeguard your new obligation by providing protection against the unexpected. We have 3 plans to choose from. All- Cause Death, All- Cause Disability, and Accidental Disability. Ask a Loan Officer for complete details today.

Gap Insurance
If your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared a “total loss”, most auto policies do not cover the actual cash value of your vehicle…less your deductible. Unfortunately you are liable for the balance that remains on the loan. Gap protection covers that in between money left on the loan. Ask a loan officer for complete details and a pamphlet.

Low Cost Vehicle Warranties
The vast majority of costly mechanical and electrical failures happen AFTER the factory warranty has expired. Avoid expensive repairs by protecting your vehicle. Our warranties are more affordable than those offered by dealerships or other warranty companies. We offer Platinum, Gold, Silver, or Copper protection. Each with great coverage. If you would like more information about this service, please call a loan officer at 1-361-991-6178. If you are currently covered by one of our warranties and need to make a claim, call 1-800-331-3780.

Automatic Loan Payment Transfer
Life is simple when you don’t have to worry about paying bills. When you have a loan with Members First, we can set up your payment to be automatically paid each month from your checking or savings account. You will never be late on your payment and it’s one less thing to worry about! To set up your payment transfer, speak with a Financial Service Rep or Loan officer for more details.  

Vehicles for Sale
From time to time, we have repossessed vehicles for re- sale here at the credit union. We sell these vehicles at a much lower price than dealerships and you can finance it here as well to make it fast and simple on you! We have competitive rates, many different payment options, and an easy application process. *NOTE: All vehicles are sold as is. We encourage you to have any vehicle checked by the mechanic of your choice prior to purchase. View our vehicles for sale.

The NADA website is a great place to visit when you’re in the market for a new or used vehicle. NADA values are available for: Used cars, motorcycles, snowmobiles, ATVs, watercraft's, recreational vehicles, small boats, large boats, and conversions. The NADA can also provide MSRP for a new vehicle, and information is available on loan value, trade in value, and retail value on used vehicles. NADA Website

Check By Phone
A check-by-phone payment is a service that allows members to pay their loan payments at Members First from other financial institutions. When using this service, you will pay a $10.00 fee when calling in to our Collections Department or you can pay online for only a $6.00 fee. You will pay the fee each time you make a one (1) time payment or you can set it up on a monthly cycle and it's FREE! Only the member(s) that are part of the loan agreement may call in or go online to have their request processed. If you have any questions, please feel free to call our Collections Department during normal business hours: Monday - Friday 9:00 am to 5:00 pm.

Insurance products are not insured by the NCUA. They are not guaranteed nor obligations of the credit union or it's affiliates.


Email Link Disclaimer

Notice: Because there is a risk that information transmitted via Internet email could fall into the wrong hands, Members First Credit Union suggests that confidential information, such as account numbers or social security numbers, not be transmitted via email. If this information must be stated, please contact Members First Credit Union by phone or at your nearest office. Thank you. If you "Continue", the link will open a new email message in your default email program.

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External Link Disclaimer

Members First Credit Union has no control over information at any site hyperlinked to or from this Site. Members First Credit Union makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Members First Credit Union of any information in any hyperlinked site. In no event shall Members First Credit Union be responsible for your use of a hyperlinked site. If you "Continue", the link will attempt to open a new window. If it is unable to, the link will open in the current window.

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