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 Offer may be withdrawn or changed at any time without notice.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.

Your Tassel Turned = Money Earned! Get $50 When You Open a Checking + Contactless Debit Card.

Start your next chapter with confidence—and a little extra cash in your pocket. Class of 2026, we're celebrating you! If you're a graduating high school or college senior in Escambia or Santa Rosa counties, open a new checking account with a contactless debit card at Members First and get $50 on us.

Learn More or Get Started Today

*Limited-time offer. Eligibility restricted to graduating high school and college seniors residing in Escambia and Santa Rosa counties. By redeeming, you confirm you are a 2026 graduate. Proof of graduation may be required. $50 bonus will be issued after account opening and fulfillment of all promotional requirements (such as minimum deposit or account activity, if applicable). Offer valid for new checking accounts only. Limit one checking account per member. Cannot be combined with other offers. Membership eligibility required. Membership is open to those who live, work, or attend school in Escambia, Santa Rosa, or Okaloosa county. Offer subject to change or cancellation without notice. 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. Federally insured by the NCUA.

Gift Cards — For Anyone on Any Occasion!

Celebrate life's special moments or just let someone know you care with a Visa Gift Card from Members First. Gift cards are available at all branch locations. Plus, from now through June 30, 2026, we'll waive the $2.95 purchase/activation fee.

• Choose a card design
• Load from $10 to $1,000
• Let them purchase what they want or need

Find a branch near you

Use domestically everywhere debit cards are accepted. No ATM or Cash access. Gift cards are issued by Pathward, N.A., Member FDIC.

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.