Membersfirst Credit Union

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A short history of Membersfirst CU

Since its inception in 1953 the Membersfirst Credit Union has been serving its members in the DECATUR, Georgia area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Terry Hardy, the Membersfirst CU has grown its membership to over 27,180 with assets of more than $188,817,944. They have a main office and 10 branch offices. Please see the credit unions website or contact them by phone at (404) 978-0080 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in DECATUR, GA.

General Information For Membersfirst CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 67538
Address PO BOX 33189 
State Georgia 
Zip-Code 30033
Phone Number (404) 978-0080
Fax Number (404) 978-0095
Email Address:
CEO/President Terry Hardy
Members 27,180 
Full-Time Employees 72 
Part-Time Employees 20 
Number of Branch Offices 10 
Total Assets 188,817,944 

Compare Membersfirst Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Emory Alliance CU Main Office - 1237 Clairmont Road 1237 Clairmont Rd 30030 (404) 329-6415 No 2.34
Gemc CU Corporate Office 2100 E Exchange Pl Ste 101 30084 (470) 514-3000 No 3.16
Cdc CU Clifton Road 1600 Clifton Rd NE 30359 (404) 325-3270 No 3.29
B.o.n.d. Community CU B.O.N.D. Community FCU 433 Moreland Ave NE 31107 (404) 525-0619 No 4.99
Pinnacle CU Putnam 1076 Greensboro RD 31024 (706) 485-2039 No 5.72

Membersfirst Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Membersfirst Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 8.98 4.00 4.45 4.69 4.84
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 157 282 257 230 209
Rank Among All Georgia Credit Unions 8 39 29 22 13

Membersfirst Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.05 0.20 0.46 0.83 0.68
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 125 108 66 202 201
Rank Among All Georgia Credit Unions 12 19 8 15 17
Membersfirst Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 8.9804,6706,657,439
All Other Unsecured Loans/Lines of Credit 11.0505,3339,686,308
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 4.0001,05423,654,082
Used Vehicle Loans 4.4503,61148,006,644
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.69013438,363,626
Total Other Real Estate Loans/Lines of Credit 4.8402335,807,683
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.5907843,098,732
TOTAL LOANS & LEASES 15,819135,274,514

Membersfirst Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 263,266,4591237,500
    b. 15 Years or less 573,044,31100
    a. > 15 years 2406,87700
    b. 15 Years or less 4229,652,958810,600,000
Other Fixed Rate 61,350,17831,013,333
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 1642,84300


Closed-End Fixed Rate 52903,81000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 1814,903,873261,146,776
Open-End Fixed Rate 0000
TOTALS 36744,171,3093812,997,609


Interest Only & Payment Option 1st Mortgage Loans 21,263,3331,263,333
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Membersfirst Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes