Special Offers

MORE WAYS WE’RE PUTTING YOU FIRST.

At Members First Credit Union of Florida, we’re constantly thinking up new ways to show our members how much they’re appreciated. We know you’ll enjoy these special offers like, member-only discounts, special rates, and more!

Bring Home Up to $500 When You Refinance Your Auto Loan

Members First Credit Union makes saving simple. If you currently have an auto loan with another lender, now is the perfect time to bring it home. Refinance your auto loan with Members First and enjoy competitive rates as low as 3.99% APR, plus earn cash back just for making the switch.

The more you refinance, the more you could earn—up to $500 cash back*—putting real money back in your pocket while lowering your monthly payment.

Why Refinance With Members First? 

• Rates as low as 3.99% APR
• Up to $500 cash back* when you refinance
• No Payments for up to 90 Days*

Don't let your current auto loan cost you more than it should. Refinance today and start enjoying the benefits of lower rates and extra cash. Use Promo Code: BringHome500 when you apply.

See How Much I Can Save

*Offer valid for a limited time only. Offer may be withdrawn or changed at any time without notice. Annual Percentage Rate (APR) as low as 3.99% available on approved credit for qualified borrowers. Actual rate and terms may vary based on credit worthiness, qualifications, collateral age, and conditions. The APR will be disclosed prior to an advance being made on a loan. Up to $500 Cash-back Offer is based on the total amount refinanced, up to a maximum of $500, and will be credited to the member's account after loan funding and required conditions are met. Offer not valid for Existing MFCUFL Loans. Interest will still accrue with the ‘No Payments for up to 90 Days’ payment deferral offer. Offers subject to change or termination at any time without notice. Membership eligibility required. May not be combined with other offers or any other discounted rate. Member is responsible for all applicable federal, state, and local taxes. The Credit Union may file and provide all informational notices (e.g., 1099-INT, 1099-MISC) required by applicable law or regulation. Other terms and conditions may apply.

Enjoy a Match Made in Savings With Our 4.99% APR* Balance Transfer Special

Looking for the perfect financial match? Our balance transfer offer, available February 1–April 30, 2026, is truly a Match Made in Savings. Transfer your high-interest credit card balances to our low-interest card and enjoy a low introductory rate of 4.99% APR for 24 months. It's a simple way to save more, lower your interest costs, and reach your financial goals sooner.

Take advantage of our limited-time 4.99% for 24 months balance transfer special and enjoy these benefits: 

• Low 4.99% APR for 24 months: Reduce interest and pay down your balance faster.
• One Easy Monthly Payment: Consolidate multiple debts into a single, manageable payment.
• Greater Financial Peace: Streamline your finances and focus on what matters most.

Ready to make the match? Apply for a Members First credit card today or fill out our balance transfer application to see how our limited time 4.99% balance transfer for 24 months can help you save and pay off debt faster.

Learn more or apply

*APR = Annual Percentage Rate. 4.99% Annual Percentage Rate for the first 24 billing cycles on balance transfer, after 24 billing cycles card balance will revert to standard card rate. Additional limitations, terms, and conditions may apply. Availability of offer based on credit worthiness. Please contact a Members First Credit Union of Florida representative for specific terms and conditions. Offer valid from February 1, 2026 - April 30, 2026. 

Do You Know Your Credit Score?

Thinking about buying a new car, saving for your first home, or simply wanting to boost your credit health? Members First Credit Union of Florida is here to support your financial journey with tools and guidance to help you make smart money moves.

Learn the breakdown of a credit score

Discover What Shapes Your Credit Score

You can request your FREE credit score, and we'll also share personalized tips to help you improve it. Just complete the form below, and we'll reach out with your score and actionable insights.

Know Your Score Request Form

Refer-A-Friend

As a member of our Members First Credit Union of Florida family, we hope you enjoy working with us as much as we enjoy working with you. We would love to continue growing our family and think you deserve to be rewarded for helping us. Earn up to $60 when you refer-a-friend, here's how: 

1. When you refer-a-friend to become a member of Members First Credit Union of Florida and they open a new account, we’ll deposit $10.00 into your account*.
    
2. Or, for every new member you refer who opens a new account and new auto, boat, motorcycle, RV loan, credit card, mortgage, or personal loan**, we’ll deposit $50.00 into your account and $50.00 into their savings account. Talk about a win-win!

Download Refer A Friend Program Form

*A $10 Referral bonus is awarded to existing member for new share account opened/started by a new member. Referral account must have a minimum balance of $5.00 to qualify.  
**Referred loan has to be approved and opened with Members First Credit Union of Florida at time the new share account is opened. Referred mortgage loan must be approved at the time the new share account is opened and funded within 45 days of account opening. Minimum loan or credit amount of $5,000.00 is required.
Members First Credit Union of Florida reserves the right to change, modify, or terminate the program at any time without notice.

Terms and conditions apply. Offer subject to change without notice. All loans are subject to credit approval. Rates and terms are based on individual credit worthiness.