Mortgage Loans

Buying your first home or refinancing your home can be exciting and also challenging at the same time. Members Credit Union can help you enjoy the excitement of financing or refinancing your home. We can also make the process easy and comfortable for you. We will walk you through the process and help you along the way. We have some of the lowest closing cost mortgages in the marketplace. Check us out and save on the cost of financing your major investment.

We offer a variety of fixed rate and variable rate mortgages to suit your needs. Members Credit Union offers flexible terms to help you meet your budget and afford you the opportunity to own your own home.

Finish Line Mortgage

If you need refinancing options we can help there too!

The Finish Line Mortgage is designed for homeowners who want to pay off their mortgage and be debt free in 10 years. This $500 closing cost, maximum ten year term is a refinancing option that could save you thousands in interest. For more information call 231-929-2020.


Mortgage Rates

First Mortgage Products

10 Year Amortization


5 / 5 Adjustable Rate Mortgage


Finish Line Mortgage - Refinance Only


++ Contact the Mortgage Department for an interest rate quote at (231) 929-2020


Members Credit Union has partnered with Member First Mortgage to bring our members a large variety of mortgage products with competitive terms and rates.
To view a full array of mortgage options click here.

About Member First Mortgage

We are a full service mortgage lender with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We even have consultants available* evenings and weekends to meet you anywhere you like! We have access to a full range of mortgage products.

  • 30 year term mortgages
  • 15 year term mortgages
  • Jumbo Mortgages
  • Interest Only mortgages
  • Reverse mortgages

All of our lending specialists are dedicated to finding you the right loan - with great rates, the right terms, and low closing costs - to meet your unique needs.

When it comes to the servicing of your loan, it is often common place in today’s mortgage industry for loans to be sold from one servicer to another. Not at Member First Mortgage. Since we are a full service lender your loan will stay with us! ** We will be able to offer you the outstanding service that you deserve. We offer such things as:

•Bi-weekly Payments
•Automatic Payment Withdrawal
•Free 24 Hour Online Payments
•Free 24 Hour Online Access to view your Loan Information
•Monthly Statements
•Payments by Phone
•No Automated Attendant. You Get a Real Person every time!
•And much more...

Because we know you are busy and often want access to our service on your schedule, it is our pleasure to offer our exceptional mortgage services online. Through Member First Mortgage you not only have access to some of the best loans available in the marketplace, but you can review rates and programs, check your existing mortgage history, and even apply at your convenience, online - 24 hours a day, seven days a week, 365 days a year!

Contact us toll free at 1-866-898-1818 or send an email to
* In certain select geographic areas.
**Except some non-conforming loans, MSHDA and Reverse Mortgages.


Searching for a new home or are you new to the area? Members Credit Union can help!
Just click on the For Sale icon and you will be directed to the regions largest inventory of available homes.

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Northwest Michigan's Largest Credit Union