Skip Navigation Skip to Online Banking Skip to Accessible Content

Lower your auto payment

Get up to $500 cash back

Lower your auto payment

Get up to $500 cash back

Refinance your auto or RV loan with Members 1st. If we can’t lower your current auto payment, we’ll pay you up to $500. Available to loans with a term of 72 months or less. Hurry, this offer is available for a limited time.

Get Started Learn More About Auto

Offer not available on existing Members 1st Credit Union auto and RV loans.

Download the Auto Buying Guide

Get the expert tools and tips you need to make the most out of your next vehicle purchase.
Swap and Save


Swap your auto loan and save up to $500 when you refinance with us.

Bring your auto loan to Members 1st and if we can’t beat your current payment, we’ll give you up to $500 when you refinance with us.

  • $5,000-$19,999
  • $20,000-$49,999
  • $50,000 or more
Refinance Now

Calculate your savings

Enter your existing vehicle loan information to see how much you can save by refinancing with us.

Cash Back


and/or lower your interest rate by

*The promotional offer is available to loans with a term of 72 months or fewer and meets credit union underwriting criteria. If Members 1st cannot lower your current vehicle loan payment, we will credit you up to $500 to your credit union account based on the following funded loan amount tiers: $10,000-$19,999 loan receives $100, $20,000-$49,999 loan receives $200, and $50,000 loan or more receives $500. Credits may be applied up to 30 days after Members 1st funds the approved application. Credits to Members 1st accounts in excess of $600 a year will be reported as miscellaneous income for tax purposes. A current loan statement from your lender will be required during the application process. Auto loan proceeds may not be used to refinance existing Members 1st Credit Union auto loans. Promotional offer and deadline is subject to change. Visit for details.

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.


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

We use cookies to make navigation easier, analyze site use, and assist our marketing, as explained in our Online Privacy Policy.