diff --git a/litellm/proxy/_experimental/mcp_server/bridge_token_flow.py b/litellm/proxy/_experimental/mcp_server/bridge_token_flow.py
index 2b13baa624b..4235471f2d9 100644
--- a/litellm/proxy/_experimental/mcp_server/bridge_token_flow.py
+++ b/litellm/proxy/_experimental/mcp_server/bridge_token_flow.py
@@ -273,7 +273,11 @@ async def load_active_user_by_id(user_id: str) -> "LiteLLM_UserTable | _KeyResol
     ``HTTPException``, a SCIM-deactivated user, and, unlike the key path, a missing user. ``get_user_object``
     catches every DB failure and re-raises a bare ``ValueError`` (a deleted user and a real outage look
     identical, the original error surviving only as ``__context__``), so the outage check walks the cause
-    chain, and a missing user falls through to ``no_active_key`` rather than an opaque gateway fault."""
+    chain, and a missing user falls through to ``no_active_key`` rather than an opaque gateway fault. The
+    row is read from the database, never the cache: JWT auth caches the user it creates before it adds
+    that user to the JWT's team and adding a member never evicts the cached row, so a credential minted
+    off the cache would refuse the very first exchange as not a member. The fresh row replaces the cached
+    one."""
     from litellm.proxy._types import (
         ProxyException,  # noqa: PLC0415  # inline import avoids a module-load circular import
     )
@@ -296,6 +300,7 @@ async def load_active_user_by_id(user_id: str) -> "LiteLLM_UserTable | _KeyResol
             prisma_client=prisma_client,
             user_api_key_cache=user_api_key_cache,
             user_id_upsert=False,
+            check_db_only=True,
         )
     except (ProxyException, HTTPException):
         return "no_active_key"
diff --git a/tests/test_litellm/proxy/_experimental/mcp_server/test_discoverable_endpoints.py b/tests/test_litellm/proxy/_experimental/mcp_server/test_discoverable_endpoints.py
index e4edb5fb4dd..30b179f1a26 100644
--- a/tests/test_litellm/proxy/_experimental/mcp_server/test_discoverable_endpoints.py
+++ b/tests/test_litellm/proxy/_experimental/mcp_server/test_discoverable_endpoints.py
@@ -7568,6 +7568,36 @@ async def test_reload_active_user_by_id_permanent_engine_fault_is_faulted(proxy_
         assert await _reload_active_user_by_id("sso-user-7") == "faulted"
 
 
+@pytest.mark.asyncio
+async def test_load_active_user_by_id_reads_the_row_from_the_database_not_the_cache(proxy_globals):
+    """JWT auth caches the user it creates before it adds that user to the JWT's team, and adding a
+    member never evicts the cached row, so a credential minted off the cached row refused the very first
+    token exchange as not a member. The loader has to read the row from the database and leave the fresh
+    row in the cache for the requests the credential makes next."""
+    from litellm.proxy._experimental.mcp_server.bridge_token_flow import load_active_user_by_id
+    from litellm.proxy._types import LiteLLM_UserTable
+    from litellm.proxy.common_utils.user_api_key_cache import UserApiKeyCache
+
+    cache = UserApiKeyCache()
+    await cache.async_set_cache(
+        key="fresh-jwt-user", value=LiteLLM_UserTable(user_id="fresh-jwt-user", teams=[]), model_type=LiteLLM_UserTable
+    )
+    prisma = MagicMock()
+    prisma.db.litellm_usertable.find_unique = AsyncMock(
+        return_value=LiteLLM_UserTable(user_id="fresh-jwt-user", teams=["team-a"])
+    )
+    proxy_globals.user_api_key_cache = cache
+    proxy_globals.prisma_client = prisma
+
+    loaded = await load_active_user_by_id("fresh-jwt-user")
+
+    assert not isinstance(loaded, str)
+    assert loaded.teams == ["team-a"]
+    cached = await cache.async_get_cache(key="fresh-jwt-user", model_type=LiteLLM_UserTable)
+    assert cached is not None
+    assert cached.teams == ["team-a"]
+
+
 @pytest.mark.asyncio
 async def test_token_endpoint_uses_client_secret_basic_when_configured():
     """LIT-4091: a server with token_endpoint_auth_method=client_secret_basic must send the
@@ -11866,13 +11896,17 @@ async def test_oauth_refresh_revalidates_the_same_active_user_rule(
     from litellm.proxy._experimental.mcp_server.bridge_token_flow import _reload_active_user_by_id
 
     handler, _ = jwt_oauth_identity
-    handler.user_api_key_cache.set_cache(
-        "jwt-owner", LiteLLM_UserTable(user_id="jwt-owner", metadata={"scim_active": state != "inactive"})
-    )
+    user_id: Final = f"jwt-owner-{state}"
+    row: Final = LiteLLM_UserTable(user_id=user_id, metadata={"scim_active": state != "inactive"})
+    proxy_server.prisma_client.db.litellm_usertable.find_unique = AsyncMock(return_value=row)
     if state == "missing_database":
         monkeypatch.setattr(proxy_server, "prisma_client", None)
     expected: Final = None if state == "active" else "no_active_key" if state == "inactive" else "unresolvable"
-    assert await _reload_active_user_by_id("jwt-owner") == expected
+    assert await _reload_active_user_by_id(user_id) == expected
+    if state != "missing_database":
+        cached: Final = handler.user_api_key_cache.get_cache(user_id, model_type=LiteLLM_UserTable)
+        assert cached is not None
+        assert cached.metadata == row.metadata
 
 
 @pytest.mark.asyncio