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Debt Free is Doable

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Loan Features

Consolidate up to $20,000 of debt into one low monthly payment.

Debt Free Fast

Pay off all your debt within 48 months.

Get up to $20,000

Receive financing of $20,000 to payoff your debt.

Low Fixed Rate

Enjoy the security of a low, fixed interest rate that won’t change.

Fast approval

Get approved for your DC Loan within 24 hours.

Improved credit score

Learn how reducing your debt can improve your credit score.

Fee free

No application, processing, or early payoff fees.

Wealth Protection

Protect yourself and your family from unexpected life events. Receive loan payment assistance and/or forgiveness with a Wealth Protection plan from Members 1st.


Your DC Loan comes with a low fixed interest rate.

Loan Rates

APR* as low as

Debt Consolidation

48 months

Rate includes 0.25% rate reduction for automatic payments

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View Rate Sheet

All loans subject to approval. Collateral conditions and restrictions apply. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. Not available to refinance an existing Members 1st loan.

DC Calculator

Enter your debt information to calculate your possible savings with a DC Loan.
Credit Card Name Interest Rate Amount owed

Loan Comparison

Credit Card(s) 10.99% Debt Consolidation Loan
Total Balance $0.00 $0.00
Total Monthly Payment $0.00* $0.00
Interest Paid $0.00 $0.00
Total Paid $0.00 $0.00
Time to Payoff 0 years months 4 Years
Net Savings   $0.00

*Information displayed is based on minimum payments of 3% of the balance owed or $15, whichever is higher.

Show Details

Current Credit Card Details

Credit Card Name Time to Payoff Interest Paid Total Paid  

Debt Consolidation Loan Term Options

Term Monthly Payment Interest Paid Total Paid Net Saving
12 months $0.00 $0.00 $0.00 $0.00
24 months $0.00 $0.00 $0.00 $0.00
36 months $0.00 $0.00 $0.00 $0.00
48 months $0.00 $0.00 $0.00 $0.00

The figures entered on the input page of this calculator are for hypothetical purposes only. You should enter figures that are appropriate to your individual situation. The results provided by this calculator are also intended for illustrative purposes only and accuracy is not guaranteed. Members 1st Credit Union and its affiliates are not tax or legal advisors. This calculator is not intended to offer any tax, legal, financial, or investment advice, and does not assure the availability of or your eligibility for any specific product offered by Members 1st Credit Union, its affiliates, or any other institution, nor does this calculator predict or guarantee the actual results of any investment product. The terms and conditions of products offered by institutions will differ and may affect the results of the calculator. Please consult with qualified professionals to discuss your situation. The final APR may differ from the APR in the above results due to additional fees that may be applicable. Please contact a Members 1st Credit Union loan specialist for an accurate estimate on your personal finances.

1Information displayed is based on minimum payments of 3% of the balance owed, or $15, whichever is higher.

Apply now or speak with one of our loan officers at (800) 303-3838.