The Members 1st Credit Union All Credit Levels is a cdfi lender from Members 1st Credit Union. The annual fee is $0. Rewards: Earn up to 4% cash back when you open a Visa ® Signature Rewards card!. This product reports activity to your personal credit report. Members 1st Credit Union is a not-for-profit cooperative based in Redding, CA, providing a range of financial services including savings accounts, checking accounts, loans, and credit cards. The credit union serves residents of Butte, Glenn, Shasta, and Tehama Counties, focusing on community development and member support. Services include: personal loans, auto loans. US Treasury certified CDFI Credit Union in Redding, CA. Membership required.