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Current Promotions


M1FCU Offers very competitive rates and terms.  For members that are just graduating and need a new car, we have a great First Time Buyer Program* to help you get going!  As an added bonus, if your loan funds by August 31, 2017 we will give you $100 Visa® Gift Card** as our thank you!

*Minimum qualifications for First-Time Auto Buyer Program: Borrower must be 18 years old; have at least one year of continuous employment; have a minimum gross monthly income of $1,800; and maximum loan to value is 80%. All loan applications are subject to review. **To receive $100 Visa® Gift Card, your loan must fund on or before August 31, 2017. The Gift Card will be mailed to you within forty-five (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.


We can’t believe it’s time for school to start again, but let us help get your student ready!

  • Qualified members can receive from $1,000 up to $5,000 at rates as low as 5.50% APR* with repayment terms between 12-24 months
  • For more details or to apply, click here for an application or give us a call at (209) 521-2020 and speak to a Member Service Representative.

*APR (Annual Percentage Rate).  Back to school loan rates effective August 15, 2017 and are subject to change. Rates range from 5.50% to 7.00% APR. Rate, maximum term, maximum loan amount and advance amount based on credit qualifications. 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. To learn more about rates and terms call (209) 521-2020, visit, or visit our branch. 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. Back to school loan offer ends September 30, 2017.


WebPG - SoakupSummer-01Transfer your existing credit card balance to a M1FCU Visa credit card and save!

Receive a low summer rate of 1.99%* for 9 months when you transfer your current balance to our credit card between June 1, 2017 and August 31, 2017.

Not a cardholder yet, click here for more information.

*Balance transfers completed 06/01/2017 through 08/31/2017 will receive 1.990% promotional APR for 9 months from the date of first balances transfer.  After the promotional time frame expires, remaining balance will migrate to the standard APR applicable on your account.  Standard annual percentage rates (APR) are fixed and range between 8.99% – 17.99% based on creditworthiness at the time of application.  For transactions initiated outside the United States, you will be charged a 2.00% conversion fee based on the amount billed in U.S. currency.  Contact us at (209) 521-2020 for complete details.  




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.