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.

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.

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.

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.

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.

Budgets and Bargains


Black Friday and Cyber Monday blazed a trail through our wallets and purses only to become a fading distant memory of the current holiday shopping season. While we’re all busy deckin’ the halls and hittin’ the malls keep in mind that the big day is happening in 23 days.

Whether you’re buying or not, it’s hard not to get sucked in to the deals to be had, sales, and the frenzy of yummy delights gracing the office, parties, and at our own homes. We start thinking about our new year’s resolutions, family and friends we haven’t seen, and we start really noticing that time is flying by.

Keeping the two B’s in mind — budgets and bargains — during the holiday season and all year through is a great way to keep things in perspective. Condition yourself to have holiday willpower, as in “I will power my way through the holidays without blowing my budget” and “I will power my way through without having to pay for this year’s gifts the entire way through the next.” 

If you’re serious about wanting to avoid the bill chill come January, keep the following in mind:

  1. Pre-season prepping. Did you set up a Holiday/Christmas Club at your financial institution to help you save money throughout the year for your seasonal shopping?
  2. Payday countdown. Have you figured out how many paychecks you have coming in before the big day?
  3. Lists. Did you make a list of people to buy for and how much you can spend on each one? While shopping, pay attention to the dollar limits you’ve set. You  may need to re-evaluate your intended gift idea in order to stick to your budget.
  4. The office. How are you planning to handle office events – do you feel obligated to contribute to gift collections, parties, etc. or do you politely decline? What is your work policy regarding these sorts of events?
  5. Added extras. Did you factor in the added extras when planning your budget – stamps, wrapping paper/gift bags, bows and tape, packing supplies, cards, shipping expenses, gift tags, the tree, any new trimmings/decorations you want, and so on?
  6. Eats. What about your holiday meal or party? What are you planning to have and provide or will you provide the main dish and ask your guests to bring a dish to share to help cover expenses?
  7. Make it about you.  If you don’t budget yourself into your spending mix you may begin to feel resentful as you’re spreading love and joy to others. Do something nice for you.
  8. Pay using cash. When making your list and establishing your gift spending limits, consider putting that specific dollar amount per person in individual envelopes with their names on them. As you shop, you can only use the money placed within the designated person’s envelope. When their budgeted money is gone, you’re done shopping for them. Factor in any cards or stocking stuffers when establishing your per person budget.
  9. Charge or no? If using credit, remember it’s a loan. It doesn’t matter if its VISA, MasterCard, Discover, Boscov’s, Macy’s, Sears, Victoria’s Secret or whoever’s card. It’s a credit card. It’s a loan. It means monthly payments, potentially high interest rates and the potential to carry a monthly balance. That translates into the potential to spend more money both pre- and post season. If you use a credit card, make sure you earn rewards like an annual cash-back rebate on purchases or you pay it off immediately when the statement comes.
  10. Bargains. Take the time to read through sales flyers. Compare between stores. Check out online bargains. The closer to Christmas Eve, the better the bargains.
  11. Timing could be everything.  Is there a law that says your holiday shopping must be done by midnight on December 24? Not that we are aware of. Why not spread out the holiday gift season between Christmas and New Year’s? While we all love getting our gifts on Christmas Day, isn’t it fun to get a gift later, too? Start new traditions. Spreading it out over the holiday week not only allows extra time to prepare, but you may also be able to take advantage of the even bigger “day after” sales for some of your gifts.
  12. Big heart, small wallet? Contrary to popular belief, gifts do not have to cost money. How many times do you hear, “Oh, you don’t need to buy anything for me. I don’t need anything. If I want it, I go buy it. I have a house full of stuff, I don’t want any more stuff.” Ok then, don’t buy anything. Gifts can be intangible — think of the immeasurable value. Do chores for others. Fix their car. Offer to paint their house. Babysit for free. Offer to make dinner for your favorite friend couple and bring them a “dinner date” to their house while you babysit their kids at your house. Volunteer to pet sit. Offer to do a top to bottom cleaning for someone.  The intangible gift-giving ideas are endless and there’s no right or wrong gift idea here!
  13. Learn to say no. If you can’t afford it, don’t buy it. Don’t choose to feel guilty about saying no. If extravagant gifts mean the difference between paying your rent or mortgage next month and holiday overspending, then this is a no-brainer. You can always do something thoughtful for someone post-holiday like treat them to lunch, a coffee outing, etc.
  14. Think quality — as in quality time. Creating priceless memories with family and friends is far more valuable than the gimme, gimme, gimme, get me, get me, get me of the season.

Tis the season for holiday shopping and credit offers


It is literally happening within hours. The official holiday shopping season floodgates are about to open. Whether it’s 9 p.m. or midnight on Thanksgiving night, the bargain hunting Black Friday (er, Black Thursday?) faithful will be hitting retail outlets far and wide for this year’s hottest find at the right price. Let the Christmas shopping begin!

Christmas shopping should be considered an Olympic sport. Bargain hunting isn’t easy. There’s a lot of physical and mental preparation going into it. And it can leave you emotionally drained. You have to dodge other shoppers, be careful and mindful you don’t run anyone over with your cart (or that they nail you). You have to carry, lift, push, grab, stand in line, walk, load the car, unload the car, and finally wrap. It’s tiring just thinking about it. As fun as it can be, it can also be dangerous in many ways. Each year many shoppers or retail employees are injured or worse because some shoppers take the spirit of “Black Friday” bargain shopping to the extreme. We encourage you to keep in mind no bargain is worth someone getting hurt.

Despite the physical exhaustion from the thrill of the hunt, Black Friday can also be dangerous to your wallet and your budget.  You’re going to be inundated with on the spot discounts at the register. In case you’re a Black Friday rookie, they go like this, “Will that be on your ABC Card?” or “Do you have an ABC Card? Would you like one? You can save 15% today just for applying.”

When you hear those words, think twice. Unless you already have the store card and consistently pay it in full each month, say no thank you and use cash, or VISA debit card or a major credit card that offers rewards such as annual cash-back rebates based on purchasing.

Store cards are not necessarily the bargain the sound like. Sure, you get 15% off that purchase immediately, but if you don’t pay off that balance when the statement comes, you may be in for big surprise. Suddenly that discounted purchase is costing you anywhere from 18% to 22% or more in interest because you now have a balance on your card. Just dare to make one late payment.  Add in a few late fees or over limit fees at $15 or $30 a pop and you’ll be suffering from the not-s0-much-of -a-bargain blues. Do the math. It doesn’t seem to add up quite right, does it?

Let’s say you take advantage of one or more store credit cards this season. Not only do you have your discounted purchases, but you also just made yourself more bills to pay. Remember every time you apply for a new card, your credit report is reviewed. Yes, you can apply for all of these cards and pay them off after the holidays. But, the fact remains that for every single card you just opened to save a few dollars, the credit bureaus have been tapped. Multiple credit requests within a short period of time can have an adverse affect on your credit later and your ability to be approved for a better rate loan for a car or home.

Remember most store cards don’t offer additional perks other than a monthly billing statement and an occasional bonus discount for being a preferred shopper. For a better bang for your buck consider the following:

  1. Use a Visa debit card – it’s like shopping with cash without carrying the cash. You debit your checking account. It keeps your budget in check. We offer a Visa debit card with a monthly cash-back rebate. It’s a great way to earn a few extra dollars each month.
  2. Use a re-loadable prepaid Visa card – This is another great tool to keep your shopping budget on track. You load money on your card and can only spend what’s available.
  3. Use a credit card that offers rewards. Whether it’s cash-back rebates based on annual purchasing or reward points for travel and merchandise, this may be a better option for you. And your interest rate and other fees may be a lot lower than store cards.
  4. Open a holiday savings club account. Plan ahead for your shopping. Even if you only save a few hundred dollars, that’s a few hundred dollars more going into the holiday shopping season compared to starting with zero dollars.
  5. Use lay-away. Many retailers are going back to providing this shopping service. It’s convenient and easy.
  6. Check out online bargains. Many times you can get free shipping this time of year. That could mean saving money on gas.

Our point is, be a smart holiday shopper. Be wary of on-the-spot discount offers. Read and understand the fine print – that’s where you’re going to find out all about those hidden surprises that show up later on your monthly billing statements.

Have fun shopping. Happy Thanksgiving from all of us at Members 1st Federal Credit Union.

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