Members 1st Creates Entirely New Leadership Structure, Has Big Plans for 2019


The Members 1st FCU Leadership Team consists of (l-r) Michael Wilson, Chief Marketing Officer/Chief Relationship Officer; Jason Reimer, Chief Administrative Officer/General Counsel; Kathy Jumper, Chief Operations Officer; George Nahodil, President & CEO; Karen Christian, Chief Lending Officer; Bob West, Chief Information Officer; Steve Murray, Chief Financial Officer; and Frank Serina, Chief Risk Officer.

Members 1st Federal Credit Union has announced a strategic executive leadership reorganization that features a C-Suite naming convention and an infrastructure change that brings out its collaborative best.

President and CEO George Nahodil said that this internal restructuring better serves the needs of the organization, its associates and its members. “We are grateful to our Board of Directors for leading us through this past year of transition. We are like a family at Members 1st. We appreciate our Board’s guidance during our reorganization and restructuring of the Credit Union and for supporting our new plans and direction. We could not have done it without the support of Board Chairman Jon Kirssin, First Vice Chairman John Devlin, Second Vice Chairman Karen Mashinski, Secretary/Treasurer Dan DeLutis, and our entire team of volunteer Directors,” said Nahodil.

By realigning business units under the appropriate, respective member of the C-Suite, the Credit Union now has the expertise and skill sets poised not only for strategic direction but also enhanced collaboration across all work functions.

“In a time where five generations make such multifaceted decisions with their preferred ways of doing business, it is critical that we understand those preferences and are nimble enough to adapt and evolve in meeting them,” added Mike Wilson, Chief Marketing Officer/Chief Relationship Officer.

As the one-year anniversary of Nahodil taking the reins has come and gone, Members 1st has already shown it has not been idle. In the last year alone, the Credit Union has made the following strides:

  • Business members can now experience a private concierge approach through a new service in Relationship Management. This allows for busy members to have dedicated, on-demand contacts for improved service. Chris Birch, Vice President of Relationship Management, leads the effort.
  • Joe Beck, a well-respected member of the financial industry, has joined Members 1st to establish the infrastructure for a significant expansion of commercial lending and business banking efforts.
  • What started 68 years ago with nine members, one office, and a desk in a hallway at the current Naval Support Activity Mechanicsburg in Hampden Township, has now grown to more than 400,000 members being served at nearly 60 locations across a 7-county region. Members 1st opened its new Red Lion facility in July and is currently anticipating the opening of its Halifax location on December 3. Five additional branches are planned for 2019.
  • Members 1st associates have contributed more than 4,300 volunteer hours assisting over 200 local non-profit organizations with their fundraising goals and special events in 2018 alone. Additionally, the Credit Union staff has presented 161 financial education sessions this year for children and adults by way of its financial education program.
  • Through its expanded mortgage program, the Credit Union added its new Home Equity Freedom product that offers members greater flexibility with swift turnaround times.
  • The addition of Investment Services and Wealth Management, as well as comprehensive Insurance Services, provides a well-rounded mix of products to meet member financial planning needs from a 360-degree view.
  • Members 1st has crossed the $4 billion mark in assets.

These accomplishments are just a small part of the makings of becoming a one-stop-shop to meeting and exceeding member needs. “When we are helping a member, we want to be in a position where we are taking a consultative approach so we can offer the best solutions. There is not a one-size-fits-all approach to meeting everyone’s financial needs. By looking at each member’s unique needs from every angle, we are able to consult with them and ensure they have the right product for their particular needs,” added Nahodil. “We have done a great job, over the years, in serving members and the community. What we are doing now is laying the groundwork for better meeting the expectations of consumers in a rapidly-changing marketplace that wants convenience and a great experience.”

Big Plans

The year 2019 looks just as impressive as Members 1st hints at big plans to come. “We are looking at technological advances, innovative use of social media, building more branches including a branch-of-the-future prototype, market expansion, and a makeover to our digital marketing experience. We have big plans for 2019 and beyond,” said Wilson. “It will be an exciting time for our members, our associates and the community.”

Under Members 1st’s new structure, led by President and CEO George Nahodil, the following individuals serve as the Credit Union’s Leadership team:

  • Karen Christian, Chief Lending Officer, is responsible for all consumer and business lending activity as well as the Credit Union’s Settlement Services CUSO;
  • Kathy Jumper, Chief Operations Officer, oversees Retail Services, Member Services and Facilities Operations;
  • Steve Murray, Chief Financial Officer, leads the Credit Union’s Financial Accounting, Budget and Operations, Treasury Manager, Planning/Analysis, Investment Services and Insurance Services CUSO;
  • Jason Reimer, Chief Administrative Officer/General Counsel, is responsible for Support Services, Collections/Loan Servicing and Associate Experience/Human Resources including Learning and Development;
  • Frank Serina, Chief Risk Officer, leads Loss Prevention, Business Continuity, Physical Security, Bank Secrecy Act/Anti-Money Laundering (BSA/AML), Risk Management, and Compliance;
  • Bob West is the Chief Information Officer responsible for Information Technology, Telecom, Information Security and Strategic Planning/Project Management; and
  • Michael Wilson, who serves as Chief Marketing Officer/Chief Relationship Officer, oversees Marketing, Public Relations, and Relationship Management.

“The Board congratulates the leadership and associates at Members 1st on their unwavering effort of adapting to change. We appreciate the excitement and enthusiasm surrounding the leadership structure. We are proud of our well-recognized brand, the impact we have on the local community and our industry. We are confident that the Credit Union is positioned to do great things and to impact lives in ways we have yet to imagine. We are strong and growing. We are grateful to serve as a volunteer board and work together with the leadership team as we blaze new trails in technology, digital marketing, and an enhanced approach to unparalleled member service,” said Jon Kirssin, Members 1st Board Chairman.




Security Features to keep your Credit and Debit Cards Safe

The convenience of credit

EMV Chip

  • The Chip in your card prevents counterfeiters from skimming your magnetic strip and copying that information.
  • EMV chips generate a new code for each transaction, making it extremely difficult for criminals to duplicate.
  • Counterfeit card use at chip-enabled merchants is down 66% compared to two years ago.

Mobile Card Control

  • Turn your card on and off. If you lose your card, can you temporarily turn it off until you find it. Or have the safety of knowing that it is turned off if there is actual fraudulent activity.
  • Set up alerts for certain transactions and usage.

Travel Alerts

  • Notify your financial institution about international travel or travel outside of your normal go-to places, so that your account isn’t suspended for possible fraud. At Members 1st, you can set up your alerts by logging into Members 1st Online and choosing which card you will be using.

Credit Score Updates

  • Be notified when your score changes.
  • Some institutions, such as Members 1st, provide your credit score through online banking. Simply log in to Members 1st Online and view your FICO score in the main menu.

Safe Usage

  • Do not let others use your card. Most merchants do not require signatures anymore, so you should treat your card like cash.
  • Do not give your credit card PIN to anyone. Both credit cards and debit cards also  have Personal Identification Numbers associated with them. If you give this out, that person can easily take a cash advance on your credit card or withdraw funds from your checking account.

Learn more about Members 1st’s debit card and credit cards.

Questions? Go to or call us at (800) 283-2328, ext. 6035.

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Time to Prepare your Home for Fall!

Use this checklist to prepare your home for fall and the Man cleaning the gutterupcoming winter season.

  • Clear out the Gutters
    • Remove leaves and other debris from your drainpipe and gutters to prevent clogging. Before it gets very cold, drain your outdoor faucets to prevent freezing
  • Clean the Fireplace and Chimney
    • Clear out ash and charred wood yourself, and call a professional for the chimney cleaning. Have the chimney cleaner check the damper to ensure it can be tightly closed to prevent drafts.
  • Check the Heating System
    • Do a survey of your home’s heating vents to make sure they’re not blocked or covered by furniture, carpeting or curtains. Dust all vents and clean all filters. Plus, make an appointment for an annual heating system check-up
  • Store Air Conditioners
    • If you have removable window air conditioners, be sure to unplug them before taking them down. Once they are out of your windows, dust and clean them before covering or storing.
  • Check for Drafts
    • Stay warm, save energy, and reduce your heating bills by examining windows and doors for cracks. If you do find drafts, be sure to seal them properly.
  • Put up Storm Windows
    • If you have removable screens, now’s the time to clean, store, and replace them with storm windows.
  • Ready the Water Heater
    • Prepare for cooler weather by draining the water heater and clearing out any debris that has settled in the tank.

 Information courtesy of

Need funds for these projects or other home repairs?

Ask us about our new Home Equity Freedom Line of Credit!

Apply now or call TeleBranch at (800) 237-7288.

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5 Tips Every College Freshmen Should Know


In high school, teachers regularly remind you of assignments and you are in a set routine. There is no need to be overly organized. In college, that is not the case. At the start of the semester, a professor hands you a syllabus and that becomes your potential schedule. Professors are not obligated to remind you of assignments. On top of upcoming assignments and tests, you are in a new environment with an endless list of activities and clubs to try out. Take our word for it, a day planner will keep you organized and you will be less likely to fall behind on your school and social life.


Either a few weeks before or the first week of the semester, you will receive a book list – don’t freak out; the prices listed are easily avoidable. Textbooks sold and rented at your college book-store may be overpriced. Amazon and Chegg are two sites that could chop your costs in half, by letting you rent their books for a reasonable price. Though, if not specified, wait until the first day of class to see if you really need the book or if the professor put it on hold at the library.


id you know your school may have a writing center? Or counseling center? For many college students, it is difficult to adjust to the new environment. You pay for these services in your tuition. If you are feeling overwhelmed or need help with papers, don’t be afraid to utilize the resources available to you.
With your student email, programs such as Microsoft and Adobe have student discounts or are completely free. You may be able to use your student ID at local restaurants and businesses. Not all places have a sign, so be sure to ask the next time you buy a coffee or purchase a movie ticket.


You are now a freshman; you have four years till you graduate. Don’t let that fool you – time flies. Now you are graduating. Internships and potential jobs require references, so who are you going to ask? College is not only about learning; it is also about networking. Visit your professors during their office hours and really get to know them because they can help you in the long run.


College can be stressful. Taking time to relax or going to your favorite café is crucial to your success at college. There is nothing wrong with taking 10 minutes out of your day to scroll through your social media or have a little fun. Doing something you enjoy will make a difference in your mood and how well you do on school work.

Members 1st offers Undergraduate Loans and Graduate Loans.

Plus, we can help with refinancing current student loans.

Visit members or contact out 24-hour call center at (800) 369-4980 with questions or to apply!

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What’s a Good Use for a HELOC?

7-2018-HELOC-Freedom-4.75-EMAILWhen you take out a second mortgage, a name for a home equity line of credit (HELOC), you’re offering your house as collateral to secure another loan. The upside: You can gain access to up to 85% of your home’s value, minus your current mortgage balance and adjusted based on your creditworthiness.


The downside? If you can’t make your payments, you could lose where you live. Because the stakes are high, you want to make sure you use a HELOC for the right reasons. Here are a few.

Making home improvements

Most people who take out a HELOC do so to make home improvements. Experts say you should only do this if the improvements you’re considering will increase your home’s value. This way, the money you’re borrowing will be returned when you sell your house at a higher price.

The National Association of Realtors’ 2015 Remodeling Impact Report lists these six changes as the ones with the best return on investment:

  • Installing a new front door.
  • Installing new siding.
  • Upgrading your kitchen.
  • Adding on to your deck and patio.
  • Making an attic into a bedroom.
  • Installing a new garage door.

These improvements can range from a few hundred to tens of thousands of dollars, but they don’t change the footprint of your home and tend to be what future buyers look for.

Supplementing an emergency fund

Everyone should have an emergency fund to cover events such as unexpected car repairs and appliance breakdowns. Most people keep these in savings accounts, but you might consider a home equity line of credit as another source of cash. You only pay interest on the amount you borrow, and you could pay the loan off quickly to save money. Still, it makes more sense to have an emergency fund that’s earning a little interest rather than one that charges you interest.

Paying off high-interest debt

Because the average interest rate on a HELOC is much lower than the average credit card interest rate, many people think about using a HELOC to pay off their credit cards. This is a great strategy if you’re committed to never carrying a balance again. Otherwise, you’re just adding another debt at a lower rate.

Regardless of how you use a HELOC, remember that the interest rate is variable and may change each time you tap it. And you’ll have to repay the entire loan by the end of the payment period set by the lender. On the upside, the interest you pay on a HELOC is tax deductible, like your mortgage interest. If you use a HELOC for the right reason, that’s just one more benefit.

© Copyright 2016 NerdWallet, Inc. All Rights Reserved

Ask us about the new

Home Equity FREEDOM Line of Credit

This HELOC is the perfect fit for financing your small or large projects, all on your terms!

Click here or apply through Members 1st Online!

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If you’re looking to earn the highest possible yield on your investments without sacrificing the safety of government backed insurance, certificates of deposits or share certificates are one way to go. By using a laddering approach with your certificate purchases, you can take things up a notch, gaining even more from this already solid investment.

Stand out from the crowd and different creative idea concepts , Longest ladder glowing among other short ladders on light green background with shadows . 3D render


Certificates typically offer higher interest rates than regular savings accounts in return for locking in your money for a set time period. The longer that maturity period is, the higher your earnings. However, if you put all your money in one long-term certificate and interest rates rise before its maturity date arrives, you’ll miss out on the chance to take advantage of those higher rates. Also, if an emergency comes up, you won’t be able to access that cash without withdrawing the entire amount — and getting hit with penalties on your earnings.

Laddering is the perfect way to get around this dilemma. Rather than buying one large certificate, this strategy involves purchasing multiple certificates with staggered maturity dates. That way, a portion of your cash is freed up each year for you to reinvest in another certificate at current rates or use for other purposes.


A classic certificate ladder has five “rungs.” Each of these rungs represents a certificate of equal value, and their terms are staggered so that one certificate matures every year. For five years, for example, you could invest $5,000 this way:

  • $1,000 in a 12-month certificate
  • $1,000 in a 24-month certificate
  • $1,000 in a 36-month certificate
  • $1,000 in a 48-month certificate
  • $1,000 in a 60-month certificate

When the 12-month certificate matures, you can then use that cash to purchase a new 60-month certificate that will mature in year six, and continue this way so you get both the high returns that the longest-term certificates offer and the flexibility of having one-fifth of your investment freed up each year.


Laddering doesn’t have to be one size fits all. Those who can’t tie up money for a whole year might do well with a four-rung ladder consisting of a three-month, six-month, nine-month and 12-month certificate so that cash is freed up every three months. Or if you may need cash more frequently, build your ladder so that one certificate matures each month.

Another thing to consider is changing economic projections. When times are uncertain, a certificate ladder with equal rungs is the safest overall plan. However, if interest rates are clearly rising, you might want to invest a larger portion of your ladder fund in short-term CDs to take advantage of better offers as they become available. When interest rates are falling, it pays to invest as much as possible in long-term certificates, since you may not have an opportunity to lock in such good rates again for a long time.


Whichever approach you choose, certificate laddering offers a number of advantages over purchasing a single certificate:

  • Higher income plus liquidity: Once your first certificate matures, you’ll enjoy long-term certificate rates without giving up frequent access to your cash.
  • Flexibility: You’ll be able to adjust your ladder to changing economic conditions and your individual financial situation.
  • Peace of mind: Whatever happens, you’ve got it covered. When rates drop, you’ve already locked in your return. And when rates rise, you’ll have available cash to invest regularly.

Most financial experts agree that interest rates should be on the rise fairly soon, so it might be wise to build a shorter-term certificate ladder to keep your options open.

© Copyright 2018 NerdWallet, Inc. All Rights Reserved


Scoop up the savings with our summer certificate specials.


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When was the last time you reviewed your insurance policies?

New American dream homeWhile no one likes to think about needing to utilize their insurance policies, it would be nice to know you’re getting the best deal. It’s worthwhile to take a little time now to know you’re covered for the future. Below are a few tips and tricks for receiving the best possible price and value on your policies.

Consider taking a higher deductible
For the best savings, opt for a $1,000 deductible on your auto or home policy. At that level, you’ll pay a lower premium and won’t be tempted to file any small claims.

Ask about discounts

Below are a few that may apply:

  • Multiple policies with the same company
  • College students living away from home
  • More than one car
  • No accidents or moving violations in three years
  • Student drivers with good grades
  • Members 1st member discounts*
  • Plus many more – just ask

Put your savings account to work
Consider using your Goal Savings account as a way to save for those smaller claims up to your deductible or to save for premiums. Plus, you earn interest!

As always, contact our licensed staff at Members 1st Insurance Services at (800) 283-2328, ext. 5245 for your free quote and to learn more!

Insurance Services available to PA and MD residents only. Insurance products are not federally insured and are not obligations of or guaranteed by Members 1st FCU, Members 1st Insurance Services, or any other affiliated entity.
*Member discounts apply to personal lines only.

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