Savings and Loan Rates

A complete list of all rates for all Members 1st products.

Saving Rates

Share Account

APY0.050%
Dividends CompoundedMonthly
Dividends CreditedMonthly
Minimum Opening Deposit$1
Minimum Balance to Avoid a FeeN/A
Minimum Balance to Earn Stated APY$100
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Mem-Bear

APY0.050%
Dividends CompoundedMonthly
Dividends CreditedMonthly
Minimum Opening Deposit$1
Minimum Balance to Avoid a FeeN/A
Minimum Balance to Earn Stated APY$5
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IRA Share Account

APY0.100%
Dividends CompoundedMonthly
Dividends CreditedMonthly
Minimum Opening Deposit$5
Minimum Balance to Avoid a Fee$1000
Minimum Balance to Earn Stated APY$100
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Draft Plus Account

APY0.001%
Dividends CompoundedMonthly
Dividends CreditedMonthly
Minimum Opening Deposit$25
Minimum Balance to Avoid a Fee$1000
Minimum Balance to Earn Stated APY$5
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Share Draft Account

APY0.00%
Dividends CompoundedMonthly
Dividends CreditedMonthly
Minimum Opening Deposit$25
Minimum Balance to Avoid a FeeN/A
Minimum Balance to Earn Stated APYN/A
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Click Here to view the Truth-in-Savings Account Disclosure

Money Market

$0 - $2,499

APY0.001%
Dividends CompoundedMonthly
Dividends CreditedMonthly
Minimum Opening Deposit$2500
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$2,500 - $24,999

APY0.100%
Dividends CompoundedMonthly
Dividends CreditedMonthly
Minimum Opening Deposit$2500
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$25,000 - $49,999

APY0.150%
Dividends CompoundedMonthly
Dividends CreditedMonthly
Minimum Opening Deposit$2500
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$50,000 +

APY0.200%
Dividends CompoundedMonthly
Dividends CreditedMonthly
Minimum Opening Deposit$2500
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Share Certificate Rates

$1000 - $2,499

6-11 Months0.20%
12-17 Months0.20%
18-23 Months0.20%
24 MonthsN/A
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$2,500 - $24,999

6-11 Months0.25%
12-17 Months0.30%
18-23 Months0.30%
24 MonthsN/A
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$25,000 - $99,999

6-11 Months0.30%
12-17 Months0.35%
18-23 Months0.35%
24 MonthsN/A
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$100,000 +

6-11 Months0.35%
12-17 Months0.40%
18-23 Months0.40%
24 Months0.50%
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IRA Certificate Rates

$1000 - $2,499.99

6-11 Months0.20%
12-17 Months0.20%
18-23 Months0.20%
24 MonthsN/A
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$2,500 - $24,999

6-11 Months0.25%
12-17 Months0.30%
18-23 Months0.30%
24 MonthsN/A
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$25,000 - $99,999

6-11 Months0.30%
12-17 Months0.35%
18-23 Months0.35%
24 MonthsN/A
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$100,000 +

6-11 Months0.35%
12-17 Months0.40%
18-23 Months0.40%
24 Months0.50%
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Credit Card Rates

Visa Classic

Rate as low as9.99%
Max Limit$15,000
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Visa Memberperks

Rate as low as12.99%
Max Limit$15,000
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Visa Share Secured

Rate as low as18.99%
Max Limit$15,000
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Visa FIRST

Rate as low as24.99%
Max Limit$1,000
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Consumer Loan Rates

Personal

Rate as low as8.24%1
Terms up toFlexible terms avaliable
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1Rate includes 0.25% rate reduction for automatic payments

New & Used Autos

Rate as low as2.99%1
Terms up to84 Months
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1Rate includes 0.25% rate reduction for automatic payments. 2.75% APR* available on vehicles with 75,000 miles or less, 5-year old model or newer, and 60-month term or less.

FIRST Auto

Rate as low as9.99%1
Terms up to72 Months
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1Rate includes 0.25% rate reduction for automatic payments

New/Used RV and Boat

Rate as low as5.24%1
Terms up to180 Months
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1Rate includes 0.25% rate reduction for automatic payments

Motorcycle

Rate as low as6.73%1
Terms up to60 Months
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1Rate includes 0.25% rate reduction for automatic payments

New and Used ATV and Personal Watercraft

Rate as low as10.73%1
Terms up to60 Months
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1Rate includes 0.25% rate reduction for automatic payments

Debt Consolidation

Rate as low as11.24%1
Terms up to48 Months
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1Rate includes 0.25% rate reduction for automatic payments

Mortgage Loan Rates

10 Year Mortgage Loan

APR as low as3.750%
RateFixed
Term10 Years
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15 Year Mortgage Loan

APR as low as3.990%
RateFixed
Term15 Years
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Fixed Home Equity Line of Credit

APR as low as6.75%
RateFixed
Term15 Years
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Variable Home Equity Line of Credit

APR as low as4.75%
RateVariable
Term25 Years
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Fixed Solar Loan

APR as low as6.99%
RateFixed
Term10 Years
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Variable Solar Loan

APR as low as4.50%
RateVariable
Term20 Years
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Eligible to all Butte, Glenn, Shasta, and Tehama County residents. Join Now