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November 2021

Home Loans
Steps to Buying a New Home

Are you thinking about buying your first home or another property for rental income? Members First is here to lend a helping hand with the home-buying process from advice to financing. Whether you're in the initial stages of the home-buying process (i.e. thinking about purchasing a house, but aren't sure if you're ready yet) or are ready to begin shopping, here are a few questions to ask yourself to make sure you're on the road to success to buy your new home.

Ready to get started?

Our experienced mortgage team will work with you on a plan that is quick, affordable, and best fits your needs. We offer home loans with affordable rates and flexible terms, free pre-qualification, no origination fee & no points*, no prepayment penalty, and have options with no PMI (Private Mortgage Insurance).

To learn more or get pre-qualified, visit our website, call us at (850) 434-2211, or stop by one of our branch locations.

View Rates & Get Pre-qualified

All loans are subject to credit approval. Rates and terms are based upon individual credit worthiness.*Borrower pays only a $285.00 Document Preparation Fee.

Wrap-up Your Holiday Shopping

Before you know it, you'll be wishing your friends and family a Happy Thanksgiving, Merry Christmas, Happy Hanukkah, or all-around joyous holiday season. With as much joy as the holidays bring, we understand that bringing joy takes a bit of work. If you need a helping hand with your festivities or more financial wiggle room during the holidays, we're here to help.

With a Christmas Loan from Members First, you can borrow up to $2,000 for up to 12 months to spend on gifts for your loved ones, travel, a feast for family and friends, and more.

Apply Today

Subject to credit approval. Rates and terms are based on individual credit worthiness. Rates subject to change without notice. Christmas Loans available October - February. NCUA Insured.

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Give a Wholesome Thanksgiving Meal to a Family in Need

Since 2017, Members First Credit Union of Florida has partnered with Ever'man Cooperative Grocery & Cafe for the Meal in a Bag Program. A donation of $20 will purchase a bag of food that will be delivered to Manna Food Panty for distribution to a local family in need during the holidays. Each bag includes holiday staples, canned goods, and enough supplies to make a nutritious meal for the holidays.

Bags can be purchased at all Members First Branch locations. Donations can be made with any of our Financial Service Representatives in-branch or over the phone. Bags are also available for purchase at Ever'man Cooperative Grocery & Cafe.


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Refinance, Save, and Get $100. Plus, Make No Payments For 90 Days.*

Refinancing your auto, boat, motorcycle, or RV loan can be a great way to save money every month with a lower payment and better rates. Now, for a limited time when you refinance your auto, boat, motorcycle, or RV loan from another financial institution, you'll get $100. Plus, make no payments for up to 90 days.*

Here's an example of how much you could save:
  Refinanced Loan+ Continue Current Loan+
Interest Rate 2.99% 5.49%
Amount $23,092.56 $23,092.56
Term 60 months 60 months
Monthly Payment $414.86 $441.04
Interest Rate $1,798.66 $3,368.26
Total Paid $24,891.22 $26,460.82
Monthly Savings = $22.16
Total Savings = $1,569.60

+Amounts used for illustration purposes only.

Get Started Today.

Use Promo Code: Refi100 to start saving, get $100, and make no payments for 90 days.* Apply online, call (850) 434-2211, or stop by one of our branch locations.

Apply Today

*Subject to credit approval. Rates and terms are based on individual credit worthiness. Rates, terms, and conditions are subject to change. Offer valid for auto, motorcycle, RV, and boat loans refinances from another institution. Existing MFCUFL Loans not eligible for this offer. Loan must be a minimum of $5,000. This is a limited time offer. Offer may end at any time. Recipient is solely responsible for any personal tax liability arising out of this incentive. Minimum rates apply. Interest will still accrue with the 'no payment for 90 days' offer. May not be combined with any other discounted rates and offers. $100 will be credited to the primary applicant's savings account between 90 and 95 days of the loan origination date and after first loan payment. If the loan is paid off in the first 90 days, the $100 offer will become invalid. Offer may end at any time. Recipient is solely responsible for any personal tax liability arising out of this incentive. Federally insured by the NCUA.

Insurance: Simple, Straightforward, Budget-Friendly.

TruStage Insurance Banner

Insurance is an important part of a solid financial plan. The key is finding coverage that fits your needs and budget from someone you can trust. The right insurance can help give you peace of mind.

Backed by more than 80 years of working with credit unions and their members, you can count on TruStage to help protect what matters most. Trust us for all your insurance needs, including life, auto, accidental death and dismemberment coverage, and more.

Get a quote or explore your options at

Get A Quote

© Copyright 2020, TruStage. All Rights Reserved.

TruStage® insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company, PO Box 61, Waverly IA 50677-0061. Auto and Home Insurance Program are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.


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Give Joy to Others For the Holidays

Looking for ways to give back during the holidays? Please consider joining us in supporting the following Salvation Army and Goodwill Gulf Coast programs that help those less fortunate in our community.

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Support a neighbor in need this Christmas through the Salvation Army Angel Tree program. Angels will be available for adoption at all Members First Branch Locations. Please bring donated gifts to the credit union by Friday, December 3, 2021. Donated gifts must be unwrapped and placed in a bag with the top portion of the angel attached. Monetary donations can also be made to the program by speaking with one of our Financial Service Representatives at a branch or on the phone. To make a donation over the phone, please call (850) 434-2211.

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Take care of your holiday shopping while supporting families in need. Christmas on the Coast ornaments are available for purchase at all Members First Branch Locations. This year's ornament features the Tunnel of Trees on 12th Ave. Ornaments are $15.00 each. All proceeds benefit Goodwill Gulf Coast and their mission to serve the community.

Operation: #GetCoinMoving

Help us work to recharge the coin circulation in the United States. Since 2019, cash transactions have decreased significantly. Returning coins into circulation will make a meaningful difference for millions of American people and businesses that rely on coins to support cash transactions.

What can you do to help?
Bring the change you've saved in your piggy bank or coin jar, pants pockets, car cup holders, and couch cushions to one of our branch locations. We are offering FREE coin counting for members using our coin machines at the following branch locations:

Once your coin is counted, you can get cash back, deposit the sum into your Members First account, or use it to pay a bill.

Holiday Gift Card Special
Give the Gift of Choice During the Holidays

Make the holidays happy and give your friends and family something they'll really use — the ability to buy what they want, when and where they want to buy it. Gift cards are valid anywhere in the United States and you can load any amount from $10 - $1,000. Plus, from now until December 31, 2021, we'll waive the $2.95 purchase fee. Gift cards are available at all Members First Branch locations.

view available festive designs

Terms and conditions are applied to gift cards. Please view the terms and conditions for information regarding gift card fee(s) and expiration policies. Visa Gift Cards are valid in the United States only. Card is issued by MetaBank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

Protect Your Money And Yourself From Fraud With CardValet®.

CardValet Image

With the CardValet® App, you can save time and rest easy by controlling your Members First debit card with the phone in your pocket.

  • Instantly lock (and unlock) your cards if they go missing.
  • Set and remove spending limits.
  • Get purchase alerts in real time.
  • Limit transactions to a certain area using your phone's GPS.

Learn More & Download CardValet®

CardValet is a registered trademark of Fiserv, Inc. or its affiliates. Copyright © 2021 Members First Credit Union of Florida. All rights reserved.

Learn How to Get Started With Our Digital Wallet Card Management Services:


Members First Credit Union of Florida is not affiliated with Members First Credit Union (Kentucky)

This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act. NMLS# 405711. APR = Annual Percentage Rate. APY = Annual Percentage Yield. All offers subject to credit approval.

Notice: "Current Living" is an official publication of Members First Credit Union of Florida, and it serves as an official notice to the Credit Union membership of matters contained within.

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Holiday Hours

All offices will be closed on the following dates:

Thursday, November 11 — Veterans' Day
Thursday, November 25 — Thanksgiving Day
Friday, November 26 — Day After Thanksgiving
Friday, December 24 — Christmas Eve Day
Saturday, December 25 — Christmas Day
Friday, December 31 — New Year's Eve
Saturday, January 1 — New Year's Day

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