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IMPORTANT NOTICE: Please be aware of phishing calls or text messages that look like they are coming from Members First, our Fraud Detection center, or other government agencies such as the IRS. Use caution on personal information you provide to any third party. You will never be asked to give your PIN, CVV code, Social Security Number, or online banking login information on an Automated Call or Fraud Alert from us. If you get an automated call requesting this information or believe you have been victim of a scam, please hang up and report the incident to us. 

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Home > Other Services > Member Benefits > Members 18 - 25

Members 18 - 25


We understand the daily struggles of trying to budget rent, college, your first ride, or that family you want to start, and we want to help.  Make your financial future brighter with our exceptional services, built with you in mind.  Whether or not you're just getting started, need a fresh start from bad decisions, or are on the right course but need a helping hand, Members First is here for you.

Save With Us

We're here to help you lay the foundation for a healthy financial future with these savings options: 


Spend Smart

Access your finances with ease with products and services built with your needs in mind: 

  • We offer plenty of options when it comes to choosing the right Checking Account for you. All our Checking Accounts give you access your money quickly, when you need it. For your everyday purchases and deposits, our Regular Checking account is the answer. Get all the benefits of a Regular Checking and earn monthly dividends with our Select Checking option. If you need a fresh start from past mistakes, our Second Chance Checking is the right option for you. 
  • With a Members First Debit Card, you can draw funds directly from your Members First Checking Account to make payments in-store or online, and withdraw cash from an ATM ($500.00 Withdrawal limit per 24 hours). Plus, have access to these Fee-Free ATM Locations.


Borrow With Us

We'll lend a hand with your first credit card, auto loan, and more. 

First Time Credit Card*

12.9% APR

  • $750.00 Credit Limit
  • Use at millions of locations that accept Visa® credit cards
  • Earn rewards for your purchases

Apply for a Credit Card

First Time Auto Loans**

  • Fast Approval (New or Used)
  • Pre-Approval Available
  • Find used car NADA values free
  • Get auto rewards for visiting a participating dealer and financing with us

Apply for a Loan

For more details or to apply for a First Time Credit Card, First Time Auto Loan, or any of our other loan products, please give us a call at (850) 434-2211, stop by one of our branch locations, or email us.


Build Your Credit

We'll help you get a fresh start
& build your credit.

Learn More

Build or Re-build your credit with our Fresh Start Options: 

  • Our Fresh Start Options include a Credit Builder Loan where you are guaranteed approval. The loan ranges from $500 to $2,000 and is secured in your savings account. All you have to do is make on-time, monthly payments which gets reported to the credit bureaus.
  • Our other option is a Secured Credit Card, backed by a cash deposit you make when you open the account. 








* Members under the age of 21 must have a cosigner. Must be at least 18 to apply for a credit card if member can show proof of income. 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.

**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.

For further information on all Credit Union deposit accounts, please refer to our Account Disclosures, give us a call at (850) 434-2211, or stop by one of our branch locations.


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Members First CU of Florida
NMLS #405711
Equal Housing Lender National Credit Union Administration
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.
Members First Credit Union of Florida is not affiliated with Members First Credit Union (Kentucky)

Members First Credit Union of FL is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 877-434-6328. We are actively working to increase accessibility and usability of our website to everyone. All products and services available on this website are available at all Members First Credit Union of FL branches.


Any external links or websites to alternative sites are not operated by Members First Credit Union of FL. We are not responsible for the content of the alternate site or their accessibility standards.