College Tuition Coming Due? We can help


Financing an undergraduate education becomes more costly each year. Unfortunately, there are often gaps left between a student’s aid package and the actual cost of a college education.

With the Credit Union Student Choice Certified Undergraduate Private Education Line of Credit, you can find the financing to help fill in the gaps that remain after you know where you stand with all of your grants, scholarships, and federal student loan alternatives. Our program has no loan origination fees.

This program innovative student loan organization formed by credit unions from all over the United States.

  • Apply through us and we become your lender
  • Currently available for undergraduate loans only
  • A co-borrower is highly recommended
  • Student must be 18 years of age or older and enrolled more than half-time in a degree-granting program
  • Currently available only for certified schools
  • Terms are 20 years for loans under $40,000 and 25 years for loans over $40,000
  • Minimum loan amount is $1,000 and aggregate maximum is $75,000
  • Repayment begins at the end of the grace period, which is six months after the date of graduation or separation
  • Borrower must be a primary member of our credit union with an account in good standing

Contact Tiffanie DeVan, our Specialty Loan Administrator, at (800) 283-2328, ext. 6017. Additional helpful resources include:

Calendar of Events - check each month for our financial aid seminars and FAFSA seminars to help you understand the student loan process, what’s available and more

Student Loan Links - a list of websites for funding college education, finding scholarships and more

Student Loans Frequently Asked Questions

2012
05/11
CATEGORY
Education
Loans
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Graduating from college and need wheels? See us first


Are you a college graduate buying your first car? How exciting for you. There are many things to think about when buying a car that go beyond make and model. Unless you are indecently weathly, you have to think about financing it and repaying your loan.

We know that it’s not easy being a recent college graduate trying to get a loan. That’s why we offer our First Time Car Buyers Program designed specifically for college graduates. The best part is that we don’t require a down payment.  To qualify, you must:

  • Be a college graduate – That means you must be within 30 days prior to graduation or within 6 months after graduation from a four-year degree program, two-year associate’s degree program, junior college, community college, nursing school or trade school. Graduate students are eligible while enrolled in grad school if there is proof of adequate income.
  • May not have had a vehicle previously financed
  • Be employed or have verifiable offer of employment with a salary sufficient to cover ordinary expenses and your loan payment
  • Not have any derogatory credit history

If you apply for your loan directly through us at any branch, by phone or online, we’ll give you 90 days to make your first payment. If you apply while you’re at the dealership, we’ll give you up to 45 days to make your first payment.

To speak with one of our Loan Center associates, call us at (800) 283-2328, ext. 6040. Congratulations on your graduation and on making your future purchase.

2012
05/11
CATEGORY
Branches
Loans
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Duncannon Branch Grand Opening


We hope you can join us for a special celebration on Saturday, June 2. Mark your calendars now for our Grand Opening Celebration event of our new Duncannon Branch located at 48 Business Campus Way (near Mutzabaugh’s Market).

The event will take place from 10 a.m. to 1 p.m. and will feature a live broadcast with WRBT “Bob” 94.9 FM from 10 a.m. to noon; free BBQ, soda and water (while supplies last), games, prizes and a drawing to win a free Kindle Fire. In addition, we are giving away 75 signed copies of the book, “Life Along the Shermans,” written by Perry County resident and Members 1st Board Member Dennis J. Hocker.

Our new Duncannon branch marks the first Credit Union in Perry County and we’re very excited to have the opportunity to be first one there. Our newest branch opened for business on April 23 and features 3 drive-thru lanes, and an image-enabled ATM.

We currently have 51 branches located throughout Adams, Cumberland, Dauphin, Lancaster, Lebanon, Perry and York Counties and serve over 200,000 members worldwide.  Here’s more exciting branch news – We’re opening two additional Lancaster area branches by the end of this summer! One will be located at 4000 Carlisle Road, Dover and the other will be at 2050 Columbia Avenue.

Join us Saturday, June 2 and if you’re not a member, come ready to open your new account and to take advantage of some great offers! For more information about becoming a member, call (800) 237-7288 or visit www.members1st.org.

2012
05/10
CATEGORY
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Join the fun – 5K Run for Kids


Celebrate National Credit Union Youth Week and help support two local organizations, Caitlin’s Smiles and Leg Up Farm .

Join us for our 5K Run for Kids on Saturday, April 28. This event will be held at our Administrative Headquarters, located at 5000 Louise Drive, Mechanicsburg, PA.

Questions may be directed to 5KRunforKids@members1st.org. You may also register at www.parunners.com.

The schedule of events is as follows:
7:30 am – Registration
9 am – 5K Run
10 am – Kids 1/2 Mile Fun Run
11 am Super Saver Kid’s Event

Cost:
5K Run Entry
Pre-registration – $25 by April 28
Race-day registration – $30 on April 28

Kids 1/2 Mile Fun Run Entry
Pre-registration – $10 by April 28
Race-day registration – $15 on April 28

Age Group Awards:
10 to 15 | 16 to 20 | 21 to 30 | 31 to 40 | 41 to 50 | 51 & over

Team Challenge:
5K participants may form teams of four runners with their individual race times counting towards the team total. The three teams with the fastest combined time will receive trophies. Each runner participating as part of a team should list their team name on the registration form.

Costume Contest:
In honor of the National Credit Union Youth Week theme, “Being a Credit Union Super Saver”, 5 K runners who dress in a superhero costume will be entered to win an iPad 2! (Members 1st associates and their families are not eligible.)

5K Race Amenities:
Professional race chip timing with accurate, real-time results
A chance to win an iPad 2 if you dress like a superhero
Random door prizes
Race results posted on www.parunners.com

Proceeds Benefit:
Leg Up Farm - A one of a kind therapy and developmental center for special needs children up to 21 years of age.

Caitlin’s Smiles - An organization dedicated to bringing smiles to children in SouthCentral PA who have chronic or life-threatening diseases. They provide creative art gift bags to the children as well as Family Care Kits to help families defray the expenses of caring for a sick child.

2012
04/13
CATEGORY
Uncategorized
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Our Members Earned Almost $2 Million in Rebates!


If you’re not reaping the rewards of being a member at our Credit Union, then you are not taking full advantage of your account relationship with us. Just remember R&R go together — rebates and relationship. The more you work on your relationship with us, as in using more products and services, the more you’ll benefit in terms of rewards. It’s like peanut butter and jelly – it just goes well together.

To give you an idea as to how this works, the total amount of rebates earned by our members in 2011 was almost $2 million! That’s right, $2 million! That’s big bucks back in your wallet! If you’re not a member of our Credit Union  right now, can you say that your current financial institution does that?

Members who use our VISA Debit Card received a total of $865,098 in Swipe 5 rebates last year. The average annual rebate was $10.15. Our Business debit card members earned over $21,940 in Swipe 5 rebates. The average business card earned about $7.85.

Our VISA Platinum Rewards Credit Card cash-back rebates posted to member accounts late last fall and were based on total purchasing activity within the year. In 2011, over $954,000 in rebates were earned! The average rebate amount was $57. One member earned over $2,100! The more you use our credit card, the more you earn!

We reward business members, too, when it comes to VISA. A total of $129,730 in business VISA Credit Card rebates was deposited into member business accounts. The average reward received per participating business was over $110. And get this – one business received $24,521!

For more information on how you can reap the rewards of rebates, stop by a local branch today or call us now at (800) 237-7288.

2012
02/23
CATEGORY
Uncategorized
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Helping You Stay Connected


We have a variety of ways to help you stay connected to us. We’ve been busily working on our new Web site which we will unveil to you in March. Here’s what you can expect to see on www.members1st.org:

  • Enhanced and easier search function on our home page to help you find branches, ATMs, open an account, apply for a loan, look for a form and more
  • New Advice Center containing short articles on a variety of financial topics
  • Home page news and special alert section
  • Improved events calendar
  • Easy-to-use navigation – just follow the tabs for these service areas:
    • Learn – Here’s where you’ll find calculators, tools, rates, calendar of events and other resources such as our newsletters, brochures and forms
    • Products & Services – This area will contain information about loans, deposit accounts, electronic & mobile services, mortgages, business services, insurance services, student services (including student loans, our education award, scholarship links and more);  and other services such as safe deposit boxes and foreign currency exchange
    • Membership & Benefits – Here’s where you can read about Member Loyalty Rewards, opening an account and more
    • About Us – This section will focus on the Credit Union, career opportunities and our leadership team
    • Contact Us – Use this section to find phone numbers, email addresses and to connect to important fraud & security information

We’ve optimized the views of our new Web site for smart phones, 7-10 inch tablets, netbooks, notebooks and wide profile monitors. We hope that you will find our new site easy to use and informative. Watch for it in March.

2012
02/23
CATEGORY
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Are You Reaping the Rewards?


If you could get a few extra benefits with minimal effort, would that pique your interest? How many times are you at the checkout and asked if you have a bonus or rewards card? If you have one, you usually end up getting some sort of discount or offer to redeem during your next visit.

We reward loyalty just like other retail outlets. All you need to do is to take advantage of the following. Follow the links for more details or stop by a branch near you. 

  • Member Loyalty Rewards - You could get more services for free, reduced consumer loan rates, bonus certificate rates and pay fewer fees.
  • Swipe 5 – Use our debit card in conjunction with our Rewards Checking Account and you’ll earn 5 cents on every single qualifying non-PIN based transaction. That means, use your card as “credit” (not at an ATM or type in your personal identification number) and make some extra money every month.
  • Annual Cash Back Rebates or Reward Points - As a VISA Platinum Rewards Credit Card holder you can earn cash back based on your annual purchasing activity or you can choose to earn non-expiring points for travel and shopping. The more you use your card, the more you earn!
  • Overdraft Protection – Some may not consider this a reward, but you’ll feel like it is when you don’t bounce a check, automatic payment or debit card transaction and end up incurring a chain reaction of fees. Opt to have overdraft protection from your regular savings, supplemental savings, money management account, personal line of credit or home equity line of credit and you’ll keep your account in check.
  • CASH4U - Refer someone you know who doesn’t have an account with us (and who is not a join owner on an already existing account) and when that person opens their account, we’ll give you $5. It’s easy money! Pick up a CASH4U referral form at a branch or call us at (800) 237-7288.
  • Special Offers - We like to provide offers that we believe are of value to you. These may involve discounts on TurboTax, enter to win contests and the like.

It is rewarding being one of our members. It’s about more than just having a place to put your money. If you’re not a member, we invite you to compare us with your current financial institution. While we may offer similar products and services, you may find that there are differences in how things work behind the scenes. If you are a current member, remember that you can always make your relationship with us stronger by using more products and services.

2012
02/23
CATEGORY
Membership
Uncategorized
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Ask and you shall receive an entry


Money talks.  What’s an extra $100 say to you?

If you’d like to have an extra $100 in your pocket then you’ll want to participate in a little event we’re doing on Friday, January 27 called the 50 Branch Challenge. We’re celebrating the fact that we now have 50 branches throughout SouthCentral Pennsylvania. Throughout this day, you can stop by any of our branches to ask an associate for your official entry QR code to use to enter online. You can only enter this giveaway online using this special QR code. There’s only one online entry per person and you must be over age 18.

Let’s review… we have $100 to give away and you want to win it:

1. Visit any of our 50 branches on Friday, January 27
2. Ask an associate for the 50 branch challenge official entry QR code
3. Scan the QR code using your smart phone or other electronic gadget
4. Provide us with your contact information
5. Wait for us to call you to let you know that you’ve won (only one winner will be randomly selected from all of the online entries received)
6. Connect with us via our Facebook page and Twitter to follow the day’s events and see if your picture is posted

You may run into members of our Marketing team who will be randomly visiting branch locations throughout the day. They’ll be taking pictures and giving away Members 1st logo items. Join in the fun if you see a team member at the branch. Photos will be posted on our Facebook page. See you on Friday!

For more details, stay connected with us on Facebook and Twitter @Members1stFCU.

2012
01/25
CATEGORY
Uncategorized
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Join in the fun – 50 Branch Challenge


On this Friday, January 27, members of our Marketing Department will be visiting all 50 branch locations for a fun-filled day that could mean an extra $100 for one lucky member. Because of you, we’ve grown from having one original branch located at the Naval Support Activity in Mechanicsburg that opened in the spring of 1950 to having our 50th branch open on Hempstead Road in Lancaster in late 2011.

Our 50 branch challenge is about you – our members – and thanking you for helping us grow throughout Adams, Cumberland, Dauphin, Lancaster, Lebanon and York counties.

As team members visit our branches, they’ll be giving out Members 1st logo items and taking photos that we’ll compile into an album on our Facebook page. 

Be sure to stop by any branch location this Friday, January 27 to be a part of the fun. Be sure to ask one of our branch associates for the official $100 giveaway entry instructions containing a special QR code. You can only enter this giveaway using the QR code and providing us your information online.  You must be age 18 or over to enter. One winner will be randomly selected from all electronic entries.

We hope to see you sometime this Friday as we’re out and about! For more details, stay connected with us on Facebook and Twitter @Members1stFCU.

2012
01/23
CATEGORY
Uncategorized
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New Year May Mean A New Financial Plan


We all do it every time a new year begins. We make resolutions and plans about all the things we’re going to do (or not do) in the new year. We’re now starting the fourth week of 2012 – how are we doing? 

One of the most popular new year’s resolutions seems to be about money. Whether it’s paying off debt, going on a budget, developing a savings plan or something similar, money is always on the resolution hit list.

While the economy may not lend itself to making our financial goals an immediate reality, it does make us think. We offer a variety of tools and resources to help you on your journey towards feeling more financially secure. Our Web site, www.members1st.org, offers financial calculators and various personal financial coaches for a “do-it-yourself” approach.  But if you’re like most of us, sometimes you just don’t know where to begin, let alone how, and you could use a little guidance.

That’s where our Investment Services professionals can help. They can help you with:

  •  retirement planning;
  • college funding;
  • estate planning and asset management;
  • 401K/pension rollovers;
  • insurance planning;
  • long-term care insurance;
  • mutual funds;
  • annuities;
  • stocks;
  • bonds; and
  • life insurance

 Call us at (800) 283-2328 to find a representative in your area and to schedule your free consultation.

About INVEST
Registered representatives of and securities and insurance products are offered through INVEST Financial Corporation (INVEST), member FINRA / SIPC, a registered Broker Dealer and affiliated insurance agencies. INVEST is not affiliated with Members 1st Investment Services. Products and services offered through INVEST

  • Are not NCUA insured
  • Are not guaranteed by a Credit Union
  • May lose value.

Important Consumer Information:
This site is for informational purposes only and is not intended to be a solicitation or offering of any security and;

1. Representatives of a broker-dealer (“BD”) or investment advisor (“IA”) may only conduct business in a state if the representatives and the BD or IA they represent

  1. satisfy the qualification requirements of, and are approved to do business by, the state; or
  2. are excluded or exempted from the state’s licensure requirements.

2. Representatives of a BD or IA are deemed to conduct business in a state to the extent that they provide individualized responses to investor inquiries that involve

    1. effecting, or attempting to effect, transactions in securities; or
    2. rendering personalized investment advice for compensation.

 INVEST Financial Corporation’s Privacy Policy

This web site may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting, or tax advice. You may wish to consult an attorney, tax advisor, or accountant regarding your specific situation. No representations are made as to the accuracy of the information contained herein or any information contained in any link provided herein.

2012
01/23
CATEGORY
Uncategorized
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