The Tennessee Members 1st FCU All Credit Levels is a cdfi lender from Tennessee Members 1st FCU. The ongoing APR is 3.00% - 13.00%. Rewards: Members can access various financial products and services, including competitive rates on loans and investment options.. Loan terms: 6-60 months. This product reports activity to your personal credit report. Tennessee Members 1st FCU is a credit union located in Oak Ridge, TN, dedicated to providing financial services to its members. It offers a range of lending options including personal loans, auto loans, and home loans, with a focus on community support and member satisfaction. Services include: personal loans, auto loans, home loans. US Treasury certified CDFI Credit Union in Oak Ridge, TN. Membership required.