Business Details
50+ Years
experience
Emergency
services
Your Trusted Financial Partner in Midland, MI
Members First Credit Union Credit Union has been dedicated to serving Michigan communities since 1936, prioritizing member needs through accessible financial solutions. Our experienced team offers personalized banking services, including savings accounts, loans, and business financial tools, rooted in core values of trust and community impact. With over 85 years of local expertise, we combine modern technology with personalized service to empower members' financial success.Our commitment to transparency is reflected in 24/7 support, free financial counseling, and competitive rates across all products. As a federally insured credit union, we maintain rigorous compliance standards while fostering community growth through educational grants and local initiatives.
Services
Auto Loans
Mortgage Loans
Business Checking
Credit Cards
Personal Loans
RV Loans
Certificates of Deposit
Financial Counseling
Details
- Year established: 1936
Highlights and features
- We offer 24/7 phone support and digital banking services for uninterrupted access
- Our certified financial counselors provide free personalized financial guidance
- Competitive loan rates including auto loans starting at 5.49% APR
- We've awarded $20,000 in teaching grants to local educators annually
- Our mobile app enables instant check deposits and card management
Associations and certifications
- NCUA
What people say
Exceptional loan rates
Knowledgeable staff
Free financial counseling
Community-focused initiatives
24/7 service availability
Services
Auto Loans
Our auto loans feature competitive rates starting at 5.49% APR with flexible terms up to 84 months. We offer 100% financing including taxes and fees, with no application charges. Both new and used vehicle purchases qualify, and our loan officers work with all credit profiles to find suitable financing solutions.
Mortgage Loans
We provide fixed-rate mortgages with terms from 10 to 30 years, starting at 5.88% APR. Our exclusive zero-down program allows qualified borrowers to finance 100% of purchase price without PMI. Construction financing and HELOC options are also available with personalized support from NMLS-licensed specialists.
Business Checking
Our business checking accounts offer no monthly maintenance fees with Premier status requiring $500 minimum balance. Features include free debit cards, mobile banking, and merchant services integration. Smart Business Checking provides 75 free monthly transactions with low-cost overdraft protection options.
Financial Counseling
Certified financial counselors provide free one-on-one budgeting assistance and debt management guidance. Services include credit score education, spending plan creation, and mortgage readiness counseling. Available to all members through in-branch appointments or secure digital consultations.
Certificates of Deposit
CD accounts start at $500 minimum with terms from 6 to 60 months. Current rates reach 3.70% APY for 60-month terms, with penalty-free early withdrawal options for members under 18. Special bonus rates apply for Premier Checking account holders.
People
Dallas Gerow
Mortgage Loan Officer
Dallas brings 15 years of mortgage lending experience, specializing in first-time homebuyer programs. He holds NMLS #573109 and has helped over 1,000 Michigan families achieve homeownership through personalized loan solutions.
Erin Morin
Mortgage Loan Officer
Erin specializes in refinancing and construction loans with expertise in rural development programs. As NMLS #2174218, she combines technical knowledge with community-focused service to deliver tailored mortgage solutions.
Lisa Shoemaker
Vice President of Lending
With 20+ years in credit union leadership, Lisa oversees all lending operations. Her strategic vision drives innovative product development while maintaining the credit union's 85-year commitment to member financial success.
Melissa Syring
Mortgage Loan Officer
Melissa focuses on conventional and government-backed loan programs, holding NMLS #991485. She educates members through first-time homebuyer workshops and provides personalized guidance for complex financing scenarios.
Samantha Aguilar-Stevens
Mortgage Loan Officer
Specializing in jumbo loans and investment property financing, Samantha combines technical expertise with community banking values. As NMLS #187159, she delivers customized solutions for Michigan's diverse housing market.
Questions
How do I apply for a loan?
Apply online 24/7 or schedule an appointment with our loan specialists. We offer instant decisions for auto loans and personalized review for mortgages and business loans.
What are the membership requirements?
Anyone living, working, or attending school in Michigan can join. Membership starts at $5 and provides access to all financial products and services.
Are there fees for using out-of-network ATMs?
We reimburse surcharge fees for CO-OP Network ATMs. Our members have access to 30,000+ fee-free locations nationwide through the CO-OP ATM Network.
Can I skip loan payments?
Yes, our Skip-a-Pay program allows one skipped payment annually for eligible loans for a $25 fee. Apply at least 5 business days before your due date.
Do you offer business financial solutions?
We provide business checking accounts, merchant services, equipment financing, and commercial real estate loans tailored to Michigan businesses of all sizes.
How do I report a lost card?
Call 888.297.3416 immediately for card replacement. Available 24/7 for urgent card security concerns or suspected fraudulent activity.
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