Business Details
50+ Years
experience
Your Trusted Financial Partner in Quincy, IL
At Members First Community Credit Union, we are driven by a singular mission: to empower our members to achieve their financial dreams. As a member-owned cooperative, we prioritize personalized financial solutions that enhance individual and community prosperity. Since our charter in 1954, we have evolved from a niche credit union serving credit union directors to a full-service financial institution with two locations and seven ATMs, serving approximately 7,000 members across Adams, Brown, Pike, and Schuyler counties in Illinois. Our commitment to financial education, competitive products, and community reinvestment reflects our core values of trust, integrity, and stewardship. We offer a comprehensive suite of services, including low-rate loans, high-yield savings accounts, and innovative credit solutions, all designed to simplify financial management and foster long-term stability.As a certified Community Development Financial Institution (CDFI) since 2014, we specialize in providing accessible financial tools to underserved populations while ensuring our earnings directly benefit our members. Our team of dedicated professionals combines local expertise with a passion for service, ensuring every member receives tailored guidance and support. Whether you're seeking to consolidate debt, purchase a vehicle, or build credit, we are your lifelong financial partner, committed to helping you navigate life's financial milestones with confidence and clarity.
Services
Personal Loans
Auto Loans
Credit Cards
Debt Consolidation
Student Loans
Credit Builder Loans
Visa Gift Cards
Prepaid Debit Cards
Recreational Motor Loans
Financial Education
Details
- Year established: 1954
Highlights and features
- We are a member-owned cooperative prioritizing your financial well-being above profits.
- Our CDFI certification ensures accessible financial tools for underserved communities.
- We offer competitive loan rates and flexible terms tailored to individual needs.
- Our local expertise provides personalized guidance for all financial decisions.
- We reinvest earnings directly into member benefits and community development.
Associations and certifications
- Community Development Financial Institution (CDFI)
- Low-Income Designated (LID) Credit Union
Services
Personal Loans
Our Personal Loans provide flexible financing for life events, home improvements, or unexpected expenses. With competitive rates starting at 9.99% APR, we offer tailored repayment terms to fit your budget. Members benefit from local decision-making and quick approvals, ensuring timely access to funds when you need them most.
Auto Loans
Finance new or used vehicles with low rates starting at 4.99% APR. Our auto loans feature flexible terms, credit life insurance options, and refinancing opportunities to reduce monthly payments. Enjoy fast approvals and personalized guidance throughout the car-buying process.
Credit Builder Loans
Designed to help establish or rebuild credit history, these secured loans combine savings with credit-building. Funds are held in a secured account while you make on-time payments, which are reported to credit bureaus to help improve your score over time.
Visa Platinum Reward Credit Card
Earn rewards on everyday purchases with no annual fee. Enjoy 0% finance charges on paid-in-full purchases, credit life insurance, and mobile payment compatibility. Redeem points for travel, merchandise, or charitable donations through our My Rewards Plus program.
Debt Consolidation Loans
Simplify multiple debts into one manageable payment with lower interest rates. This service helps reduce financial stress by combining credit card balances, medical bills, or other obligations into a single monthly payment with predictable terms.
Questions
How do I become a member of Members First Community Credit Union?
Membership requires living or working in Adams, Brown, Pike, or Schuyler counties in Illinois. Immediate family members of current members or employees of our employer groups also qualify.
What loan products are available for bad credit borrowers?
We offer Credit Builder Loans and secured credit cards to help improve credit scores. These products require collateral but report to credit bureaus to help establish positive payment history.
Can I access my accounts online?
Yes, our online and mobile banking platforms allow 24/7 account access, bill payment, mobile check deposit, and real-time transaction monitoring through secure login portals.
Do you offer business banking services?
While our primary focus is individual members, we provide business savings accounts and loans. Contact us directly to discuss specific business financial needs and eligibility requirements.
What travel benefits are available to members?
Members receive exclusive hotel discounts through Credit Union Travel, including member-only rates on 1.2 million hotels worldwide, $60 annual hotel dollars, and 5% rewards on travel bookings.
How does the Skip-A-Pay program work?
This program allows qualified members to skip one monthly loan payment annually. Apply online or in-branch during October for November skips, or November for December skips, subject to eligibility requirements.
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