Go ahead, take that trip! We are offering fantastic short-term, low- rate vacation loans! Enjoy rates as low as 5.50% APR* but hurry! This Vacation Loan is only available until June 28, 2019. Please contact one of our friendly Member Service Representatives at (209) 521-2020 for more details.

Don’t want to carry a lot of cash on your vacation? Our Platinum VISA® Credit Card and a Platinum Shared Secured VISA® offer low interest rates and no annual fee. Apply today and have the card ready for your next vacation! For more information call us at (209) 521-2020.

*APR = Annual Percentage Rate. Vacation loan rates effective April 1, 2019 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. Normal credit and lending guidelines apply.   No more than two loan promos per member can be opened concurrently.  Vacation loan offer ends June 28, 2019.


Receive .25% Interest Rate Reduction on a Green Car
When you go green with your car, you’ll get more in your pocket! Pick a hybrid, electric vehicle or a vehicle that is U.S. EPA certified SmartWay and we’ll reward you with a .25% discount on the APR*. Plus we offer up to 120% financing* and repayment terms from 6 to 84 months.

*APR = Annual Percentage Rate and is subject to change. Rate, maximum term, maximum loan amount and advance amount based on credit qualifications. M1FCU offers its members rates based on individual credit worthiness and length of financing. Up to 120% of the sticker price, including tax, tag, title fees, GAP protection and Extended Warranties can be financed. We offer terms from 84 months on vehicles valued at over $30,000 when purchased.  Offer does not apply to refinancing existing M1FCU auto loans. Loan payment example: Pay$15.08 per month per $1,000 borrowed for 72 months at 2.74% APR with up to 100% financing. M1FCU offers extended warranty packages on most new vehicles. Before agreeing to any dealer extended warranty program, compare the benefits and features of our plan.