Loan Rates


Effective date 9/1/19
Loan1Maximum TermAPR2
New & Used Auto
2009 – 2020Up to 42 months3.25% - 14.25%
2014 – 202043 – 66 months3.49% - 14.49%
2017 – 202067 – 72 months3.75% - 14.75%
2018 – 202073 – 84 months3.99% - 6.49%
2008 & OlderUp to 36 months4.25% - 15.25%
New & Used Boat, Motorcycle, RV, Trailer
2009 – 2020Up to 42 months4.25% - 15.25%
2014 – 202043 – 66 months4.49% - 15.49%
2017 – 202067 – 72 months4.75% - 15.75%
2018 – 202073 – 84 months4.99% - 7.49%
2008 & OlderUp to 36 months5.25% - 16.25%
Line of Credit
Open end9.00% - 18.00%
Signature Loan
 24 Months8.00% - 18.00%
 25 - 36 Months9.00% - 18.00%
 37 - 48 Months10.00% - 18.00%
Visa® Credit Card (4% min. payment required)
RewardsOpen end 
PlatinumOpen end 
Share Secured
 24 Months1.49%
 25 - 60 Months2.49%
 61 - 84 Months3.49%

1Members with direct deposit into their Members 1st account and use auto pay to make their loan payments receive a .25% discount on their vehicle loan rate. 2APR=Annual Percentage Rate. Rates are based on individual creditworthiness and may change without notice. All loans are subject to credit approval.

Mattis office (314) 487-5628 | Festus office (636) 931-7144 | Toll-free (877) 487-5628

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