Home state: Michigan

    MEMBERS FIRST mortgage rates

    MEMBERS FIRST's lowest publicly advertised 30-year fixed rate today is 6.875% — the national average is 6.88%. That's about $481 saved over the life of a $400,000, 30-year loan. We track MEMBERS FIRST daily and refresh rates every morning.

    Today's rates from MEMBERS FIRST

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.875%6.97%Sep 11, 2026Visit
    20 Year Fixed7.125%7.24%Sep 11, 2026Visit
    15 Year Fixed6.5%6.65%Sep 11, 2026Visit
    10 Year Fixed6.625%6.83%Sep 11, 2026Visit

    Rate history

    Lowest daily rate MEMBERS FIRST advertised for each product, past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join MEMBERS FIRST

    Membership for MEMBERS FIRST (MI) is open to those who live, work, worship, or attend school in Midland, Bay, Saginaw, Gratiot, Isabella, Clare, and Gladwin counties. Members of the former Central Michigan Community FCU were also welcomed into the credit union. The mortgage page on MFGUC's site indicates their "Exclusive Zero Down Purchase Mortgage" is only available for an applicant's primary residence in Michigan.

    Family of a member
    immediate_family

    Where MEMBERS FIRST writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with MEMBERS FIRST.

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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