At a glance
From its website, read 2 Nov 2026Tennessee Members 1st FCU is a credit union based in Oak Ridge, Tennessee. Its website describes farm loans, auto loans, credit-builder loans and 2 other loan types. Where it lends: Anderson, Knox and Roane counties. The consumer loan APR it states is 5.74%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (865) 482-4343 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.mymembersfirst.org |
| Office (official list) | 112 Administration RD, Oak Ridge, TN 37830 |
What their website says about applying
Government-issued ID/Driver’s License/State ID or Passport with current address
sourcePlease note, individuals may be required to physically come into a local branch to complete the membership process.
sourceSocial security numbers for all borrowers
sourceAddress history for the past two years
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Rate: from 5.74% APR | rates as low as 5.74% APR*. | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | As low as 7.99% | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | As low as 8.25% | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | As low as 13.25% | source |
| Loans (general) | Term: see their wording | 15-year term | source |
| Agriculture / farm loans | Term: up to 5 yr | All Farm Equipment – Up to 60 Months | source |
| Auto / vehicle loans | Term: up to 7 yr | (2020-2026) Up to 84 Months | source |
| Auto / vehicle loans | Term: up to 12 yr | (2020-2026) Up to 144 Months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Membership required
Eligible individuals can become a member of the credit union by opening a savings account with a minimum initial deposit of $5.00.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 2 Dec 2020 |
| RSSD ID | 962274 |
| Address | 112 Administration RD, Oak Ridge, TN 37830 Directions (Google Maps) |
| Website | www.mymembersfirst.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
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. The state is not named in the service-area text, so no state code is listed; the education loan is the only stated loan amount. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | Apply for a Farm Equipment Loan | source |
| Auto / vehicle loans | — | We offer competitive rates for both new and used autos. | source |
| Credit-builder loans | — | Assisting members with building or repairing their credit, our Credit Builder Loan is a low-interest loan where funds are placed into a share account for the term of the loan. | source |
| Home mortgages | — | Max Loan-to-Value (LTV) Purchase: 97% (First time home buyer) | source |
| Personal / consumer loans | up to $3,000 | Individuals 18 years of age or older with proof of postsecondary education enrollment may be eligible to receive a loan of up to $3,000 | source |
Loan sizes
Individuals 18 years of age or older with proof of postsecondary education enrollment may be eligible to receive a loan of up to $3,000 to assist with purchasing items to help you be a successful student
source
Service area
Anderson, Knox and Roane counties
Tennessee Members 1st Federal Credit Union is a community credit union serving those who live, work, worship, or attend school in Anderson, Knox, and Roane counties.
source
Counties this matches: Anderson County, TN, Knox County, TN, Roane County, TN
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply for an Auto Loan
source
Pages read (7)
- https://www.mymembersfirst.org/
- https://www.mymembersfirst.org/auto
- https://www.mymembersfirst.org/openaccount
- https://www.mymembersfirst.org/homeloans
- https://www.mymembersfirst.org/signatureloans
- https://www.mymembersfirst.org/updates/new-year-new-money-habits-small-changes-for-improving-your-financial-health-in-the-new-year
- https://www.mymembersfirst.org/rates
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- 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?
No loan amounts are stated on their website. - What is the APR, including fees, on your credit-builder loans and home mortgages?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
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$3.1 million in 3 awards from the U.S. Treasury's CDFI Fund, 2021–2024 (CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $650,000 |
| 2022 | CDFI Program, Financial Assistance | $660,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
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.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as TENNESSEE MEMBERS 1ST (charter 5318). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $97.9 million (as of 30 Jun 2026) |
|---|---|
| Members | 4,468 (as of 30 Jun 2026) |
| Offices | 2 (as of 30 Jun 2026) |
Offices by state and county (2)
Tennessee (2 offices)
- Anderson County (1): 112 Administration Rd, Oak Ridge 37830 (main office)
- Knox County (1): 112 Market Place Blvd, Knoxville 37922
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Tennessee Members 1st FCU (NCUA charter 5318, filed as “TENNESSEE MEMBERS 1ST”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $45.3 million, 1,790 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 1.6% from $44.6 million on 30 Jun 2025 |
| Members | 4,468 (as of 30 Jun 2026); 4,584 (as of 30 Jun 2025) |
| Loans per member | $10,142 (total loans divided by members, 30 Jun 2026) |
| Total assets | $97.9 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $3.6 million | 7.9% |
| Used vehicle loans | $14.4 million | 31.8% |
| First-lien home mortgages (1-4 family) | $10.3 million | 22.7% |
| Other real estate loans (junior liens, other) | $2.1 million | 4.5% |
| Commercial (business) loans | $10.6 million | 23.3% |
| Other unsecured loans | $2.5 million | 5.5% |
| Leases and other secured loans | $1.9 million | 4.3% |
None reported on the 30 Jun 2026 report: credit cards.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $97.9 million | Larger than 27% of the 11 other certified credit unions in Tennessee (median $182.8 million). |
| Loans as a share of assets | 46% | Median of the same 11 credit unions: 78%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $44.6 million → $45.3 million (+2%) | Median change of 11 other certified credit unions in Tennessee: +7%. Rank by loans held among these 12: 10 → 10. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Tennessee | 11 | larger than 27% |
| Loans held then vs now | certified credit unions in Tennessee reporting both dates | 11 | rank 10 → 10 of 12 |
“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. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Oak Ridge and Tennessee
- Y-12 Federal Credit UnionCredit union · Oak Ridge, TNAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Home mortgages…Verified
- Affordable Housing Resources, Inc.Loan fund · Nashville, TNHome mortgagesVerified
- BetterFiLoan fund · Chattanooga, TNCredit-builder loans, Small-dollar / emergency loans, Personal / consumer loans, Small-business loansVerified
- Carroll Bank and TrustBank or thrift · Huntingdon, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Centennial BankBank or thrift · Trezevant, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Citizens Savings Bank and Trust CompanyBank or thrift · Nashville, TNCommercial real estate loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
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