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Current Promotions

As the holidays approach, you may need a little cash to help with those special gifts or travel expenses.  We would like to help you with our Holiday Loan Special.  Enjoy our promotional rate as low as 5.50%APR*.  Contact us at (209) 521-2020 for more details or to apply.
*APR = Annual Percentage Rate.  Holiday Loan rates effective November 25, 2017.  Rates range from 5.50% to 7.00% APR and are subject to change.  Actual rates are disclosed to applicant in writing prior to loan execution.  Amounts range from $1,000 to $5,000 and terms range from 12 to 24 months.  Offer does not apply to refinancing existing M1FCU loans.  Loan payment example: $44.79 per month per $1,000 borrowed at 7.00%APR for 24 months.  Interest accrues from date funds are advanced.  Rate, maximum term, maximum loan amount and advance amount based on credit qualifications.    




  • The loan must be for a New Auto purchased in November or December 2017
  • Model years 2017 or 2018 with less than 2,500 miles
  • Loan must fund by December 31, 2017

*APR (Annual Percentage Rate). Auto rates as low as 1.74% APR based on creditworthiness. M1FCU offers a range of base rates that depend on factors such as credit history, loan term, and vehicle age. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 17.35% APR. To learn more about rates and terms, call us at (209) 521-2020 and ask one of our Member Service Representatives. Loan payment example: $28.53 per month for each $1,000 borrowed at 1.74% APR for 36 months.
**$50.00 Visa® Gift Card will be mailed to you within 45 days of loan funding and will be considered taxable income and reported to federal and state agencies as required.  Please consult with a tax professional if you have questions concerning the tax implications.




Did you know that your immediate family members can join our M1FCU family?  Give them peace of mind knowing you’ve referred them to a secure, full-service financial institution.  We have no hidden fees, offer competitive deposit rates and have some of the lowest loan rates in the Central Valley!

We’d like to meet your relatives!!  Bring them by the office, or have them give us a call at (209) 521-2020 for more information.  If they open an account with us, we’ll give YOU a $15.00 Visa Gift Card as a token of our thanks for extending our family!

*Immediate family members include a spouse, child, sibling, parent, grand parent, grandchild, stepchildren, step siblings, step grandparents, step grandchildren, and adopted children.