- Receive 10,000 bonus points after spending $1,000 in the first 60 days of card opening.
- No balance transfer fees on non-Members 1st credit cards; otherwise, a balance transfer fee of 2.5% of each transaction (minimum $5) will be assessed.
Cash advance fee
3% of each transaction (minimum $5).
$0 Annual fee
Pay no annual fee with any Members 1st credit card.
All purchases are monitored daily. Receive text and phone alerts when suspicious activity occurs.
Visa zero liability policy
Shop with confidence knowing you won’t be held liable for any fraudulent charges made with your card or account information. Learn more about the VISA zero liability policy.
Roadside dispatch services
Utilize Visa’s pay-per-use roadside assistance program offering towing, winching, gas, and other auto-related services. Learn more about the roadside dispatch services.
Emergency cash/card replacement
Collect emergency cash or have your card replaced quickly if ever lost, stolen or damaged. Overnight replacement cards are subject to the rate and fee schedule.
Auto rental collision damage waiver
Purchase a rental vehicle with your Members 1st credit card for added security. Receive reimbursement for any damages due to collision or theft up to the actual cash value of most rental vehicles. Learn more about the auto rental collision damage waiver.
Fixed Interest Rate
Enjoy an industry leading fixed (non-variable) interest rate on all Members 1st credit cards.
Your EMV credit card comes with an encrypted microchip embedded in the card, providing an enhanced layer of security to your transactions.
Apple, Samsung, and Google Pay Ready
You already use your phone for just about everything. Now you can pay with it, too. Visit m1cu.org/Pay to learn more
Online, mobile, and telephone account access
Unlimited access to your account with Online Banking, Mobile Banking, Telephone Banking, and the Mobile App.
Receive email and text notifications for activity alerts on your account. Plus, access your card statements electronically from anywhere with eStatements.