Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 21 Sep 2020 |
| RSSD ID | 648895 |
| Address | P. O. Box 492395, Redding, CA 96049 |
| Website | www.m1cu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe read 12 pages of this lender's website on 3 Nov 2026 but could not confirm any loan product, loan size or service area there, so we list nothing rather than guess. That doesn't mean it lacks them. Check www.m1cu.org or contact the lender directly.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$625,000 in 1 award from the U.S. Treasury's CDFI Fund, 2024 (CDFI Program, Financial Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $625,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Members 1st Credit Union reported 49 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $6.5M (median loan about $65,000). 5 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 5 | 10% |
| Refinance (incl. 12 cash-out) | 26 | 53% |
| Home improvement | 18 | 37% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 49 | 100% |
Where the loans were made
Counties with the most 2025 originations, out of 5 counties with at least one; 100% of its 2025 loans were for properties in California:
- Shasta County, CA (31)
- Butte County, CA (10)
- Tehama County, CA (5)
Filed under LEI 5493006MW6O2CE88BD43 as “MEMBERS 1ST CREDIT UNION”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Home loans originated in 2025 (HMDA) | 49 | More than 23% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 23% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Redding and California
- AccessityLoan fund · San Diego, CASmall-business loansVerified
- Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Altura Credit UnionCredit union · Riverside, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- American Nonprofits, Inc.Loan fund · Santa Cruz, CAVerified
- Apoyo Financiero Inc.Loan fund · Concord, CAPersonal / consumer loans, Small-business loansVerified
Work at Members 1st Credit Union? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.