Personal Loans

Signature Loans

Sometimes you need some extra cash to pay a bill, make an emergency purchase or take a last-minute trip. At MembersFirst, we offer reasonable interest rates and quick turnaround on personal loans so that you can access the money when you need it.

Certificate and Share Secured Loans

Don’t touch your hard-earned savings account or certificate when you need money. Instead, use your savings or certificate as collateral and apply for a certificate or share secured loan. You’ll continue to receive a return on your savings while enjoying one of the best financing rates the credit union has to offer.*

Debt Reduction Loan - Save As You Pay

The Save As You Pay loan is designed especially for qualified members seeking to eliminate credit card debt while saving in a high yield savings account. Our unique Save As You Pay loan allows you to consolidate and eliminate credit card debt within 6 years and save up to 20% of the amount you borrow in a high yield savings account. Members can borrow up to $25,000.

Credit Establishing Loan

Our Credit Establishing Loan is designed to help you build or improve your credit. If you have no credit or have a less than delightful credit history, the Credit Establishing loan can help you get on track. This unique loan allows you to borrow up to $2,500 with loan terms up to 18 months. Funds on this loan are not available for immediate withdrawal. As you repay your loan, you build your credit.

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Holiday Loans

Holiday Loans are available in November and December. *** This convenient loan can help you build credit and is payable within 10 months. A Holiday Loan can give you a little extra spending money during the Holiday season. Holiday loans are exclusively repaid through payroll deduction, direct deposit or automatic transfers. There is a minimal processing fee for this loan.

Fast Cash Loans

Fast Cash Loans are available in April, August and December each year. With a maximum loan amount of $750, our Fast Cash Loans are quick and convenient. These loans can help eligible members build their credit and provide quick cash at critical times during the year. Fast Cash Loans are repaid exclusively through Payroll Deduction or Direct Deposit with our Sponsor Groups. Our short repayment period of 4 months or 8 bi-weekly payments, allows members to pay off the loan quickly and minimize financing costs. There is a minimal processing fee for this loan.

Applicants for the Fast Cash loan must:

  1. Be employed by one of the following Sponsor Groups - WellStar Health,, Paulding County Schools, Douglas County Schools, DeKalb Medical, Atlanta Medical Center, Golden Living Centers - for at least 2 years
  2. Have an established account with direct deposit/payroll deduction to the credit union for at least 3 months

*Certificate Secured loan rates are 2% above your current certificate rate. Please see your loan officer for details.
**APR - Annual Percentage Rate
*** Applications for Holiday Loans and Fast Cash Loans must be submitted on a current application form available at the credit union. Forms are accepted at a MembersFirst Branch in person or by fax. Holiday Loans are typically offered in November and December. However, every year a board assessment is done to determine if the program will be offered. The credit union will notify you when the loan is available.
**** All loans are subject to review by credit committee. Approval is based on individual creditworthiness and specified criteria in accordance with credit union guidelines.

News and Offers from MembersFirst

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Swap & Drop

Swap your loan to MembersFirst and we will Drop your rate by 2% to as low as 1.90%apr . Plus make no payments for 90 days.

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Upgrade your credit card to one that pays.

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