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Refinance or Purchase and Save

Refinance or purchase your next auto loan and save.

Rates as low as 1.95% APR*

Whether you need a new vehicle or just want to save on the one you currently own, MembersFirst can help. Rates are at an all-time low. Now through June 30th, 2020:

Refinance the car you have at a rate as low as 1.95% APR* for 60 months


Purchase a New Auto at a rate as low as 1.95% APR for 60 months


›› No payments for 90 days!1
›› Up to 100% financing
›› Discounted GAP and Warranty services available**

…and so much more!

Longer terms at higher interest rates also available.

Need help locating a vehicle? Reach out to our friends at Auto Assistance or Enterprise Car Sales to locate the car of your dreams!

Ask your loan officer about our affordable GAP and Warranty services!

Refinance your current auto loan or purchase a new car today! We’ll help you leave high rates behind!

APPLY ONLINE | 404-978-0080 or 912-352-2902

*APR = Annual Percentage Rate. Not all applicants will qualify for the lowest rate. Rate may vary based on individual creditworthiness, our underwriting standards and the length of the loan. Proof of income and verification of collateral may be required. Minimum auto loan amount is $5,000. Model year must be 2013 or newer. Program, rates, terms and conditions are subject to change without notice. Offer good through June 30, 2020. Payment example: $25,000 loan at 1.95% APR for 60 months yields monthly payment of approximately $437.67. 1No payments for 90 days applies to first loan payment. Subject to individual creditworthiness. Finance charge begins from date of funding and is repaid over the term of the loan.
**GAP, insurance and warranty products are not products of the Credit Union and are not obligations of or guaranteed by the Credit Union. GAP, insurance or warranties may be purchased from an agent or an insurance company of the Member’s choice and Credit Union makes no representations as to the services of any provider. Separate terms and conditions apply.

Important Information (COVID-19)

We are prepared and ready to help.

As the situation with coronavirus (COVID-19) continues to develop, your MembersFirst family is standing by to support you. You rely on us every day to understand and assist with your financial needs and we will continue to provide reliable access to the important services you need.

Update to Branch Operations

Hospital Branches
In accordance with the guidelines provided by our partner hospitals, Hospital branches continue to provide service to on-site Hospital employees only. Please continue to exercise social distancing while you interact with our staff.

Stand Alone Branches - Decatur, Douglasville, Hiram, Savannah
Effective Monday, June 1, 2020, we will reopen our lobbies at our Decatur, Hiram, Douglasville, and Savannah branches. We will continue to admit members one at a time to our Sandy Springs Branch.

In the interest of member and employee safety, we will continue to exercise Social Distancing and cleaning protocols when serving our valued members. When possible please utilize Drive-Thrus and ATMs. We encourage you to continue to use available electronic services such as mobile deposit, bill pay, account transfers, and loan payments available through the Mobile App and Online Banking.

When you enter the lobby, if you are wearing a mask as recommended by the CDC, you may be asked to temporarily remove your mask so we can verify your identity before performing a transaction or providing service. We ask you to consider wearing a mask while working with a Member Advisor in a private office.

Piedmont Paces Branch

Due to limited staffing caused by the COVID-19 pandemic, our Piedmont Paces Branch has new hours:

Monday 9 am - 3:30pm
Tuesday: Closed
Wednesday: 10 am - 3:30 pm
Thursday: Closed
Friday: 9 am - 3:30 pm

Due to limited staffing in our offices and call center, you may experience longer than usual wait times. We apologize for this inconvenience. Be assured, we are working to return to our regular staffing schedule and phone support as quickly as we can. Consider using our Secure Messaging service available in online banking to securely communicate with our staff for non-urgent matters.

Financial Hardship Assistance -(COVID-19)

As the impact of COVID-19 on the economy continues to grow, we want to assure you your MembersFirst family is here to help. If you have a loan or credit card with MembersFirst Credit Union and you or your household are facing financial hardship due to job loss, furlough, layoff, reduced hours or illness as a result of coronavirus, please contact us at 404 978-0080 or 912 352-2902.

Nothing is more important than your health and safety and the need to protect those most vulnerable to the coronavirus. We are taking multiple steps to minimize health risks to our members, team members and our communities, including enhanced cleaning procedures in our branches.

Our standard practice of providing convenient and accessible service allows us to continue to simplify your banking. Many of the services you use each day are available electronically and remotely and we encourage you to utilize these services. To keep in the practice of minimizing the spread of the virus with social distancing, you may consider the following alternatives to in-branch service:

Stimulus Payments

The U.S. Treasury Department has advised that payments should begin hitting the accounts of eligible Economic Impact recipients on April 15, 2020. On and after April 15th, please refer to the financial institution or account where you received a Tax Refund or made a Tax Payment in 2019 to see if you received a deposit. If you do not see a deposit, your can visit the IRS website at the following links to check the status of your deposit or find answers to your questions. We anticipate heavy call volume and long waits. To avoid the wait we suggest using our automated Phone Banking, Online Banking or Mobile Banking to check your account periodically.

Economic Impact Payments - What You need To Know (IRS)

Economic Impact Payment Information Center

Drive-Thru Service

Our Decatur, Hiram, Douglasville and Savannah branches are equipped with Drive-Thru lanes and Drive-Up ATMs and night depositories. ATMs at the Decatur and Savannah branches take deposits. We encourage you to use these facilities for quick and easy deposits and withdrawals. A link to search for thousands of surcharge-free ATMs nationwide is available on our website at If you are unable to access a MembersFirst ATM or one of the thousands of surcharge-free ATMs available, you can take comfort in the fact that MembersFirst Credit Union does not charge you a foreign ATM fee; however, you may be charged a fee by the owner of the ATM you use.

If you prefer to stay at home and connect with us digitally, a full range of services is available to you.

Online Banking

Visit our website at to view your account balance, make transfers between accounts, make loan payments, make payments on your MembersFirst Visa® Credit Card, pay bills with our free Bill Pay and apply for a loan or credit card. You can also use the Secure Messaging feature to send us messages and ask questions about your account.

Mobile Banking

Download the free MembersFirst Mobile app. With the app, you can check your balance, make transfers between accounts, make loan payments, make mobile check deposits and use our free Bill Pay. Access is immediate. If you do not have access to Mobile Deposit through the app, please contact us at 404 978-0080 or 912 352-2902 and we will review your account.

Apple Devices

Android Devices

Or, search ‘membersfirstga’ in your app store and look for the white star in the burgundy box.

Phone Banking - 404 978-0080 or 912 352-2902

Our phone lines remain open with representatives ready to assist you. We anticipate heavy call volume and, while we have taken additional measures to ensure call coverage, we ask for your patience and encourage you to use any of the electronic and self-service features available.

For simple tasks, like checking your balance, making transfers and payments, you can use phone banking by calling 404 978-0089 or by choosing option 1 when you call our main number. Follow the prompts and action codes to complete your transaction.

For challenges with your Visa Debit card, like card disputes and card orders, select option 2 when you call our main number.

Loan Applications

If you need to apply for a loan, you can submit your application online through the mobile app or online banking and, in many cases, our loan officers can assist you over the phone or through secure email channels. If you are already in the process of completing a loan and are unable to or uncomfortable with visiting a branch, please contact your loan officer and we will seek other ways to assist you.

We want to assure you, your funds are safe – your deposits are insured up to $250,000 by the NCUA. The credit union does not invest your money in the stock market, and we do not rely on shareholders who are seeking to make a profit.

We understand things are changing daily within our state and within the communities we serve. Rest assured, your credit union is here to help and guide you financially through this period. We will continue to follow the guidance of the CDC and the government as we implement procedures and programs to assist you.

Finally, if you or a family member have been negatively impacted by illness due to the Coronavirus (COVID-19) and need assistance related to your account, please contact us and let us know.

As new developments arise regarding the coronavirus, we will share information with you about how we continue to operate safely and effectively. Please follow us on Facebook, Instagram and Twitter or visit our website at We will use these platforms to provide quick updates as we respond to the changing guidance.


World Health Organization

Federal Trade Commission

Summer 2020 Vacation Loan

It feels like spring “sprung” right past us and summer is already coming in hot!

This summer, whether you’re planning an in-town Stay-cation or an out-of-town Vacay-tion getaway, a Vacation Loan from MembersFirst Credit Union can help!

Now through July 17th, 2020:

...and take (or create) the getaway you deserve. Either way, you’ve earned a break.


Apply online at

or by using your mobile app.

(Just search ‘membersfirstga’ in your mobile app store.)

Or call 404-978-0080 or 912-352-2902.

*APR = Annual Percentage Rate. Qualifications are based on an assessment of individual creditworthiness and our underwriting standards. Rate of 8.90% APR is good for financing up to 24 months and applies only to Vacation Loan Promotion. Offer is good through July 17, 2020 only. Visit for all available loan rates and terms. Finance charge begins from date of funding and is repaid over the term. Offer ends July 17, 2020. Program, rate, terms and conditions are subject to change without notice.

Summer 2020 Skip-A-Payment

With a Skip-A-Payment from MembersFirst, you can skip your June or July 2020 loan payments and keep more cash in your pockets for summertime fun.

Here’s How
1. Complete the Skip-A-Payment Request Form - Available Here
2. Choose a payment option. (There is a $30 processing fee for each loan payment that is skipped. The fee must be paid before your skip request will be processed.)
3. Mail, fax or deliver your form to a branch near you.

For faster processing, we suggest you fax or deliver your form to your local MembersFirst branch.

Please check your account to confirm processing fee has been deducted to confirm the skip request was received and processed.

It’s really that simple! When your request is approved, we’ll move your loan date forward by one month from your present due date. Interest on your loan will continue to accrue at the rate originally stated, and the maturity date on the loan may be affected. Your normal payment schedule will resume during the month following the one you skip.

Skip-A-Payment Application

Fax to 404 978-0095

By participating in MembersFirst’s Skip-A-Payment program, you request that MembersFirst CU defer your loan payments as indicated. You agree and understand that 1) Loans must have originated at least six months prior to the date you choose to skip your payment; 2) If we are unable to stop your ACH payment in time, your skipped payment may be delayed until the next scheduled payment; 3) Finance charges will continue to accrue at the rate provided in your original loan agreement during and after this time; 4) Deferring your loan payment will result in your having to pay higher total FINANCE CHARGES than if you had made your payments as originally scheduled; 5) If you have an extra pay period in the month you choose to skip, we will only skip the equivalent of one month. For example, if you are scheduled to receive three payroll deposits in the month, only the first two payments will be skipped. If your payment is made through Payroll Deduction or Direct deposit, your additional payment will be deposited into your MFCU Membership Savings account; 6) You will be required to resume your payments the following month; 7) The payment deferral will extend the terms of your loan(s), and you will have to make extra payments after your loan would otherwise have been paid off; 8) If you elected Debt Protection coverage on your loan and participate in the Skip-A-Payment program, the coverage on your loan will extend your original maturity date and accrued interest and debt protection premiums will be added to the outstanding principal balance on your loan. GAP coverage: If you signed a GAP waiver on your vehicle loan, you are allowed a maximum of five Skip-A-Payments to maintain full coverage in the event of a total loss of your vehicle. Skip-A-Payments greater than five will result in additional liability on your loan; 9) All deferrals are subject to MFCU approval; 10) Your loans must be current to accept this offer (loans more than 10 days past due are subject to additional approval; certain restrictions may apply); 11) If your loan payments are deposited from another institution (ACH or Direct Deposit), the funds received in the month you skip will be deposited into your savings account; 12) Recent deferred payments on your loan due to hardship caused by the COVID-19 Pandemic could disqualify you from approval for the 2020 Skip-A-Payment program. There is a $30 processing fee per loan, which will be deducted from your account or paid over the counter (as specified above). All loans listed will be skipped for the month listed; only one month may be skipped for this promotion. All Skip-A-Payment requests are subject to approval, and limitations do apply. If you are not eligible to skip a payment, you will be notified by mail or by phone at the number you list on this form. This promotion excludes Holiday Loans, Vacation Loans, Fast Cash Loans, Back-To-School Loans, Chatham Special Loans, Revolving Loans, Land Loans, 1st Mortgages and Visa® Credit Cards. MembersFirst has the right to refuse any Skip-A-Payment request. Offer ends July 31, 2020. For more information, call (404) 978-0080 or (912) 352-2902. Processing fees must be paid before the skip request will be entered.

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Credit Union Rewards

There are more reasons than ever to love being a member of MembersFirst Credit Union.

Your credit union membership is about the trust and care of community, built around where you live, work and play. That’s why your Credit Union membership saves you money through exclusive member-only offers through our trusted partners. Through Love My Credit Union Rewards, credit union member have saved over $2 billion with offers like:


Credit union membership also saves you up to $15 on TurboTax federal products.


Protecting your car and home shouldn’t cost you a bundle. MembersFirst Credit Union members can save big with an exclusive discount from the TruStage Home & Auto Insurance Program.


You get $200 when you switch to Sprint with Unlimited Plus or Premium. Plus, $100 annual loyalty rewards and 25% off accessories! With Sprint’s 100% satisfaction guarantee for the first 30 days, you can be certain that you’ll love your plan or get your money back.

Claiming your cash rewards is easy:

  1. Open a new Sprint account and mention that you’re a credit union member.
  2. Register your new lines at
  3. Cash rewards will be deposited directly into your credit union account within eight to ten weeks.

Don’t miss out on hundreds in savings. Switch to Sprint and claim your rewards today!

PLEASE NOTE: This program is administered through Sprint. For questions regarding this program, TurboTax or TruStage, please contact them directly or visit

Learn all about how your MembersFirst Credit Union membership gets you all these exclusive savings, and more at or Check them out and start enjoying credit union member benefits you never knew you had.

Cash Reward:
Limited time offers. Activ. Fee: Up to $30/line. Credit approval req. Cash Reward Offers: Phone lines only w/ 1 line on Unlimited Plus or Unlimited Premium plan. Avail. for eligible credit union members & member employees. $100/line, max 2 lines. Req. activ. at point of sale. Excl. prepaid & ports made between Sprint or related entities. Limit 1 Sprint Perks Corp ID per acct. No add’l. discounts apply. Loyalty Reward: $100/acct./yr. when acct. remains active and in good standing each yr. Transfer Reward: Existing Sprint customers who validate or transfer to the Sprint Cash Reward Program are eligible for a $100/acct./yr. deposit on 12 mo. anniversary. Deposit: Cash Reward issued by CU Solutions Group. Sprint acct. must remain active and in good standing for 31 days to receive Cash Reward. Allow 8-10 wks. for Cash Reward to be deposited to your Credit Union acct. If the Cash Reward does not appear after 10 wks., visit Satisfaction Guarantee: Call us to deactivate & return to place of purch. with complete, undamaged phone/device & receipt w/in 30 days of activ. We’ll refund your phone/device cost, svc. charges & activ. fee. Excl. int’l. usage not incl. in plan, prem. content & 3rd party billing. We’ll refund your phone/device cost. Sprint dealer may impose add’l. fees. A $45 restocking fee may apply. Visit Other Terms: Offer/coverage not avail. everywhere or for all phones/networks. May not be combinable with other offers. Accounts that cancel lines within 30 days of activating on promo pricing may void savings. Offer, terms, restrictions, & options subject to change & may be modified, discontinued, or terminated at any time without notice. Restrictions apply. © 2019 Sprint. All rights reserved. Sprint & the logo are trademarks of Sprint. Other marks are the property of their respective owners.

News and Offers from MembersFirst

News and Offers

Summer 2020 Skip-A-Payment

Apply Today to Skip Your June or July loan payment!

News and Offers

Credit Union Rewards

Love My Credit Union Rewards Offers You Great Savings on Services You Use!

News and Offers

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Like and follow us on Facebook for great deals and money-saving tips and tricks!

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