The Members 1st Credit Union All Credit Levels is a cdfi lender from Members 1st Credit Union. The annual fee is $0. Rewards: Members 1st offers benefits such as no monthly fees for flex checking accounts, $1,000 in complimentary AD&D insurance, and access to financial training resources.. 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.