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!

Finance with us and add protection to earn up to $250 Cash Back!

Join us in celebrating America's 250th anniversary with a deal that rewards you for driving smarter. When you finance your auto loan with us and add valuable protection products like GAP (Guaranteed Asset Protection) and MBP (Mechanical Breakdown Protection), you can earn up to $250 cash back—putting more money back in your pocket while helping safeguard your vehicle.

Why Choose Members First? 

• Up to $250 cash back* when you finance and bundle protection products
• No Payments for up to 90 Days*

Learn More or Apply

All loans are subject to credit approval. Rates, terms, and conditions are subject to change and 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.

*Offer available for a limited time on approved auto loans with a minimum amount of $10,000. Cash-back incentive dependent on purchase of eligible protection products: $50 for GAP Protection, $200 for Mechanical Breakdown Protection (MBP), or $250 for both. Loan must be funded and protections purchased to qualify. Cash-back reward will be issued after all conditions are met. Interest will still accrue with the 'No Payments for up to 90 Days' offer. This is a limited time offer. Membership eligibility required. Certain restrictions may apply. Offer subject to change or termination without notice. 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.

Turn Classroom Purchases Into Cash Back—Teachers Can Get up to $100!

We're giving back to educators! Beginning August 1, for a limited time, teachers who are primary members can receive up to $100 in reimbursement for classroom supply purchases made this year* through our Empower Teachers Giveaway.

Learn More

*Must be a full-time teacher, legal resident of Escambia or Santa Rosa county, and a primary member (not joint account holder) to qualify. Maximum $100 reimbursed per teacher as a deposit to his/her Members First savings account. Must complete a Reimbursement Request Form and present receipt(s) for school supplies purchased for students dated January 1, 2026 or later. Reimbursement Requests accepted from August 1, 2026 until the earlier of when a total of $7,500 is dispersed to Qualified Teachers or August 31, 2026. Subject to Official Terms and Conditions. Members First – Empower Teachers Giveaway is open to U.S. citizens and permanent resident aliens over the age of 18. VOID WHERE PROHIBITED. Offer subject to change or termination without notice. Sponsor: Members First Credit Union of FL. 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 your first-class summer and earn double points when you use your Members First Rewards Card when booking travel or dining out!

Remember that trip you've always wanted to take? Now is the time to make your dreams come true! Members First Credit Union of Florida is giving you double points when you use your rewards credit card for dining and travel purchases through August 31st to make your adventure of a lifetime a reality!

Don't have a credit card with us? Now is the perfect time to apply for a Members First Visa credit card and maximize your summer adventure.

Our credit cards offer competitive rates and a range of benefits designed to enhance your financial experience while providing flexibility and convenience.

Learn More or APPLY Today

*Terms and Conditions - Special promotion event dates 7/1/2026 - 8/31/2026. Promotion scoring for this event is strictly limited to select merchant category codes in travel and entertainment categories. For full list of applicable Merchant Category Codes please go to https://info.scorecardrewards.com/Q3_2026_Travel_MCC_Codes. Bonus scoring limited to first $5,000 in eligible category spend during promotion period, any additional spend after limit has been reached will be scored as normal per your program’s terms and conditions. Any transactions that are not categorized under one of the specified promotion codes will be scored as normal per your program’s terms and conditions. Please allow for up to two billing cycles for bonus points to be awarded to your account. If you have any questions regarding your ScoreCard rewards account or point balance, contact ScoreCard Rewards Customer Service at 1-800-854-0790 or reach out to your issuing financial institution.

Go Everywhere With Your Members First Credit Card for a Chance to ScoreBIG!

From food to fuel and everything in between, use your Members First Credit Union of Florida credit card from now through October 31, 2026, for a chance to win from 500,000 to 1.5 million rewards points. Earn 1 FREE entry per month or earn an entry with every qualifying purchase.

The more you use your card, the bigger the prize.

LEARN MORE

*Total purchases August 1 - October 31, 2026.

No purchase or payment necessary to enter or win. Open to legal residents of the 50 U.S. /D.C., age 18+, that are cardholders in good standing with one (1) of the participating financial institutions, enrolled in the ScoreCard® branded program as of July 31, 2024 and have a valid email address on file with their ScoreCard® account as of the time of the drawing. Void outside of the 50 U.S./D.C. and any where prohibitied. Sweepstakes starts at 12:00:01 AM ET on 08/01/26; ends at 11:59:59 PM ET on 10/31/26. Max Total ARV of all prizes: $45,000. Odds of winning depend on the number of eligible entries received. For full Official Rules, visit https://info.scorecardrewards.com/ScoreBIG. Sponsor: Fidelity Information Services, LLC., 11601 Roosevelt Boulevard, TA-60, St. Petersburg, Florida 33716.

Redeeming Your Members First Credit Card Rewards Points is Easy.

Checking your rewards points balances and redeeming them for cash, statement credits, fuel discounts, travel, and more is quick and easy.

New Users:

1. Go to scorecardrewards.com.
2. Click "Create Account."
3. Follow the instructions on the form and submit.

Returning Users:

1. Log into scorecardrewards.com.
2. Your Rewards Balance can be viewed at the top of the page or by clicking the Account tab.
3. Shop Rewards to redeem your points for merchandise, cash back, and more.

Get Started at scorecardrewards.com

Don't Have a Credit Card With Us?

Apply for one of our rewarding Visa credit cards to start earning rewards points. For every purchase you make with your Members First credit card, you'll earn 1 bonus point per $1 spent that can be redeemed for things like merchandise, pay with credits, travel, and so much more!

Learn more or apply

APR = Annual Percentage Rate. Rates and terms are based on individual credit worthiness. The method of computing finance charges (or interest) for purchases (including new purchase) is based on the Average Daily Balance. Rates are subject to change without notice. For our complete credit card disclosure, click here.

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.
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. 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.