Open a new Michigan First Rewards Mastercard® or transfer your existing credit card balances to your Michigan First Rewards Mastercard® and benefit from our limited-time 5.99% APR balance transfer offer!*
Current Promotions
Explore ways to get more from your Michigan First membership.
Our current promotions for Michigan First members.
Credit Card
Auto Spooktacular
Find the perfect new or used car with budget-friendly payment plans when you finance a vehicle through Michigan First during our Auto Spooktacular Discount Event at our Signature Auto Dealers.
Centennial Certificate
During our Centennial year, you can earn a $100 bonus when you grow your savings with a Michigan First Certificate Account.** It’s an easy way to make your money work harder!
Refer a Friend
As part of our 100-year anniversary celebration, we're honoring our amazing members with the ultimate bonus - cash! If you refer a friend or family member to Michigan First and they open an account, you'll both get $100.***
*Qualifying balance transfers must post to your account between September 1, 2026, and November 31, 2026. This 5.99% APR is valid for qualifying balance transfers only for six months from the date of the first qualifying balance transfer. This 5.99% APR applies to balances transferred from a non-Michigan First Credit Union credit card. Any unpaid balance of qualifying balance transfers at the end of the 5.99% APR period will revert to the normal APR on the card account. All balance transfers are subject to credit approval. Account must be in good standing. Terms and conditions subject to change. Some restrictions may apply. Merchandise transactions and cash advances are excluded. Limited time offer. [NEEDS TO BE UPDATED]
**In order to qualify for the Centennial Certificate $100.00 Bonus Promotion you must fulfill all the conditions below:
a. You must be a member in good standing;
b. You must open a Certificate Account;
c. Within ten (10) days of the opening your Certificate Account, you must deposit “new money” of at least $5,000.00 to your Certificate Account. For purpose of this Promotion, “new money” is money that was deposited into any of your other Michigan First Accounts from an external source;
d. You must maintain a minimum certificate balance equal or greater to the amount deposited under item (c) above.
***Both referring member and friend participant must be at least 17 years of age. Referring member must have a Credit Union account in good standing. Friend participant must not have a current Credit Union account as a primary or joint account holder and must not have previously held a Credit Union account as a primary of joint account holder that was charged off by the Credit Union. Friend participants must present a validly generated referral code, meet the membership eligibility requirements, and complete the application process using one of the Credit Union's digital channels. Friend participants opening a qualifying Checking Account must utilize that account to (a) establish a direct deposit and receive direct deposits totaling at least $500 over the first 60 days or (b) activate a debit card and use the card to make at least 20 purchase transactions on that Checking Account during the first 60 days. In addition, the Checking Account may not have any outstanding unpaid overdraft or Courtesy Pay fees or a negative balance at the end of the 60-day period. Some restrictions may apply. Limited time offer.