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Swap & Drop Auto Refinance

Swap & Drop Auto Refinance Program

Drop Your Rate by 2% to as low as 3.25% APR*!

Now through October 31, 2019, MembersFirst Credit Union will DROP your rate by 2% to as low as 3.25% APR* when you SWAP your auto loan from another lender to MembersFirst.

With Swap & Drop, you can pay off your car loan sooner or save a few dollars each month! Plus, when you finance with MembersFirst, you’ll enjoy great perks like affordable GAP and warranty coverage and discounts on auto insurance.1

Swap your loan to MembersFirst for great rates on RVs and motorcycles, too!

  • RVs as low as 4.25% APR
  • Motorcycles as low as 5.25% APR

Refinance your auto loan today and take your rate in a DIFFERENT DIRECTION!


  • Click and apply online at
  • Call 404-978-0080 or 912-352-2902 or
  • Visit a branch near you

Not an MFCU member? YOU CAN JOIN! Stop by any branch or visit to open your account online.

*APR=Annual Percentage Rate. Qualifications are based on an assessment of individual creditworthiness and our underwriting standards. Floor rate of 3.25% on SWAP & DROP loans is as of 8/1/19. Maximum loan term on auto, motorcycle and RV loans is 84 months. MembersFirst Credit Union will match the remaining term of the transferred loan provided the loan is financed under the SWAP & DROP Promotion guidelines. To receive the 2% reduction on your existing rate, loan must be transferred from a lender other than MembersFirst Credit Union. Finance charge begins from date of funding and is repaid over the term. First payment due date may vary based on repayment terms. Offer not available on existing MembersFirst auto loans. Loan amount must be a new MembersFirst CU auto, motorcycle or RV loan of $5,000 or more. Offer available April 1 through October 31, 2019. All loans are subject to credit approval. Program, terms and conditions are subject to change without notice. Visit for all available rates and terms. 1GAP, warranty and insurance services are available and provided through credit union partners. Separate terms and conditions apply.

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Swap & Drop Auto Refinance

Drop Your Rate by 2% to as low as 3.25% APR*!

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