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Purchase Mortgages

You Found Home
Let us handle the rest

Mortgage rates as low as 7.500% APR*

Apply Now

Purchase Mortgages

You Found Home
Let us handle the rest

Mortgage rates as low as 7.500% APR*

Apply Now
We provide homebuyers with easy and affordable financing, while helping you avoid delays and get into the home of your dreams. By offering a full suite of mortgage options, Members 1st can help you find the best mortgage for you. Our team of dedicated mortgage experts can guide you through the home-buying process so you don’t miss out on the perfect home.

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Loan Features

Enjoy the advantages of a Members 1st mortgage.

Rate Advantage

Your rate is locked for 60 days after applying and drops if mortgage rates drop during that 60-day span.

5% Down Payment

Save with down payments as low as 5%1

Mortgage Options

Choose from a full suite of mortgage options tailored to your needs

Dedicated Mortgage Team

A team of mortgage experts to walk you step-by-step through the home-buying process.

What is Rate Advantage?

Rate Advantage provides mortgage loan applicants with added assurance and protection that they'll receive the lowest rate possible on their mortgage loan. After you have applied for your mortgage loan, Members 1st will lock in your rate 60 days, and lower your rate if rates drop during that 60-day span.


APR* as low as

Conventional 30 Year Fixed





Conventional 20 Year Fixed





Conventional 15 Year Fixed





Conventional 10 Year Fixed





FHA 30 Year Fixed





VA 30 Year Fixed





Personalized Quote

All rates displayed have zero points.

Important Rate Information: This is not a quote. These rates are published weekdays near 10:00am EST. Interest rates fluctuate throughout the day and may be different at the time you apply and will likely differ based on your specific scenario. The information provided here is general and assumes only the following scenario: Purpose of the loan: Purchase a property. Property location: Redding, CA 96049 Property Type: Existing single family home Property Use: Primary Residence Estimated property value: $200,000 Estimated down-payment: $40,000 Loan amount: $160,000 (80% Loan to Value) Credit Score: 760 Escrow (impound) account is required. Rate lock period is 60 days. Fees: $3,000 to estimate closing costs in order to approximate an APR. For a quote with specifics to your scenario please click on rates which contain a link to a quoting or application tool.

Members 1st Credit Union is an Equal Housing/Equal Opportunity Lender

We do business in accordance with the Fair Housing Act

(The Civil Rights Act of 1968, as amended by the Fair Housing Amendments Act of 1988)

The Fair Housing Act protects people from discrimination when they are renting or buying a home, getting a mortgage, seeking housing assistance, or engaging in other housing-related activities.

Who is protected?

It is Illegal to Discriminate Against Any Person Because of Race, Color, Religion, Sex, Handicap, Familial Status, or National Origin

  • In the sale or rental of housing or residential lots
  • In advertising the sale or rental of housing
  • In the financing of housing
  • In the provision of real estate brokerage services
  • In the appraisal of housing
  • Blockbusting is also illegal

How to Report Housing Discrimination

Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination:
1-800-669-9777 (Toll Free)
1-800-927-9275 (TTY)

U.S. Department of Housing and Urban Development
Assistant Secretary for Fair Housing and Equal Opportunity
Washington, D.C. 20410

1. All lending products are subject to credit and property approval. Terms, conditions, and interest rates are subject to change without notice. Certain restrictions may apply and may vary based on borrower qualification and collateral conditions. This is not a commitment to lend. Down payments less than 20% of the loan amount may be subject to private mortgage insurance (PMI).

Down payments less than 20% of the loan amount may be subject to private mortgage insurance (PMI).

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

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