Visa Credit Card

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

  • No annual fee.
  • Interest rates from 9.9% and up (depending on credit status)
  • Card limits available from $1,000 up to $25,000 (depending on credit status)
  • You can view your balance, payment information or transfer funds from your Members First account to your credit card with Online or Mobile Banking.  
  • Link your credit card to your checking account for Overdraft Protection.
  • 25 day grace period on purchases.

Apply For A Credit Card Here

Secured Visa Credit Card

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.

  • No annual fee.
  • Interest rates at 13.9% and up.
  • Secured Card available from $1,000 up to $25,000.
  • Secure the card with your money. Funds are held in a savings account and unavailable for use to secure your card. 
  • The Secured Visa is a great way to build or repair your credit.
  • Link your Secured card to your checking account for Overdraft protection.
  • Everyone’s approved for a Secured Credit Card

Apply For A Credit Card Here


Click here for the Visa Credit Card Agreement

To view Billing Rights for your statements, click here.

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

You can now pay your M1st Credit Card payment from a different financial institution! You can choose to make a one (1) time payment online for $6.00 or set it up to come out on a monthly basis for FREE! If you call in to make a loan payment, it is a $10.00 fee.

Make a Loan Payment Here 


Helpful Card Information

DepartmentTypePhone Number
Check Card Activation & PIN ChangeUS(800) 290-7893
International(206) 624-7998
Lost or Stolen CardDuring Business Hours(361) 991-6178
After Business Hours(888) 297-3416
Declined Card Purchase AssistanceVisa Debit and Credit Cards(800) 547-3290
Allpoint ATM LocatorVisa Debit Cards Only(800) 809-0308 Option 2
Important phone numbers for your Members First Visa Debit and Credit cards.

*All loans subject to usual credit standards. Rate determined by credit score. Amount determined by income.