Join us – July 27 at our Quentin Road Branch


We are hosting a one-year anniversary celebration for our Quentin Road branch, located at 1940 Quentin Road, Lebanon, on Friday, July 27, from 11 am to 2 pm. This event will feature a live radio broadcast with WQIC-FM 100.1 from 11 am to 1 pm. In addition, we will be serving free sodas, water and hot dogs while supplies last. Attendees may enter to win a Kindle Fire.

If you’re not a currently a member, this is a great event to attend to get to know us and to talk to our branch associates about opening your new account. Keep in mind that even if you currently “bank” elsewhere, we make it easy to help you switch your account over to us. We’ll give you all of the forms you need. Don’t forget to ask us about our VISA Balance Transfer promotion and how you can get a VISA Debit Card that not only pays you when you use it, but that you can also personalize with your favorite personal photo. Ask an associate for details.

We look forward to seeing you at our Quentin Road branch one-year anniversary celebration.

Quentin Road Branch Ad_Leb Daily News_7_22_12

Keep Yourself Safe When Using the ATM


Every day, millions of ATM transactions are successfully carried out around the world without any problems or interference by criminals or fraudsters. However, there are those times when they do occur. Don’t let convenience replace common sense when using an ATM. Be aware and stay aware. Here are some great tips:

  • Choose your ATM carefully.
  • Use familiar ATMs when possible. If that’s not possible, choose a well-lit, well-placed ATM. Avoid hidden or secluded ATMs. Scan the entire area around the ATM before you approach it. If anyone is loitering about or it appears to be too isolated, move on.
  • Always have your card ready if using a walk-up ATM. Avoid fumbling around with your wallet, looking for your card, talking on the phone.
  • Be sure the ATM hasn’t been altered. Look for suspicious attachments to the card slot or key pad.
  • Check for unusual instructions on the display screen. Watch for suspicious blank screens.
  • Do not use ATMs that have messages or signs attached to them indicating that the screen directions have changed, especially if the sign is posted over the card reader. Any instructions you need will appear on the screen.
  • If an ATM keeps your card, do not re-enter your PIN. Contact us immediately.
  • If the ATM instructs you to re-insert your card into a second card reader at the machine, do not do it.
  • Hit “cancel” at any time if you become suspicious of any machine instructions, equipment alterations or if you become uncomfortable about completing your transaction.
  • Keep all receipts and monitor your account.
  • When using the ATM, do your best to ensure transaction privacy. Try to shield the screen and the keypad so others cannot see what you are doing/typing.
  • When you complete your transaction, leave the machine. Take your receipt, your cash, your card and move on. Don’t stand/sit in your car at the machine and put your money away, fumble around and so on. Move away from the machine and then finish your tasks.
  • Keep your car doors locked when at the ATM. Only roll down your window. Keep your car running. If there is a line of cars, keep space between you and the next car so you have room to move/maneuver in the event you need to drive away.
  • Never force your card into the card slot.
  • Do not write your PIN on your card.
  • If your card gets jammed, retained or lost, call us immediately.

Important Numbers:

Members 1st Fraud & Security Center – (800) 283-2328, ext. 5202

Report a lost, stolen or damaged VISA Debit or ATM Card: (800) 283-2328, ext. 6035; after business hours, call (800) 754-4128

Report a lost, stolen or damaged VISA Credit Card: (800) 283-2328, ext. 6035; after business hours, call (800) 325-3678

Pick Your ATM Wisely


It just makes good financial sense to avoid having to pay ATM surcharge fees whenever and wherever possible. Why would you want to pay a fee to wrap your hands around your money? There’s something that just doesn’t make a lot of sense about that.

Let’s face it, fees are ways in which any business, including a lot of financial institutions, make money. The difference here is that there are financial institutions that aren’t out to nickel and dime their customers, or members as they are commonly known. These financial institutions are called credit unions and they have their members’ best financial interest in mind.

A long time ago when credit unions came into existence, their operating philosophy centered around a cooperative nature. That means those involved pooled together, worked together, to help everyone who made up the whole. It wasn’t about me, myself, and I. It was, has been and continues to be about you, the member.

Today, credit unions have joined together to help out each other’s members save money, especially at the ATM. When you use an ATM in the CO-OP, CU$ and also in the NYCE ATM networks, you can avoid paying surcharge fees.

To find a surcharge free ATM near you or while you are travelling, visit the following. Please note that while you may not be charged a surcharge fee, you may be charged other fees such as non-sufficient fund fees.

www.members1st.org – click “Locations”, followed by “More Surcharge-Free ATMs”

CO-OP ATM Network

CU $ ATM Network

NYCE ATM Network

 Pick your ATMs wisely and you’ll save yourself a lot of money.

Duncannon Branch Grand Opening Celebration


ImageIn case you missed it, we celebrated our grand opening of our new Duncannon branch on Saturday, June 2. Here we are cutting the ribbon and making it all official. Bob Marquette, our President & CEO, is the guy holding the scissors getting ready to make the cut. He had some help from Jackie Eakin, Chairman of our Board of Directors, who is standing to his right. Thanks to everyone who participated in the ribbon cutting!

If you haven’t visited yet, stop by at 48 Business Campus Way, Duncannon (near Mutzabaugh’s Market) and meet Gage, our branch manager (back row, first person on left) and Chris Dudley, our assistant branch manager (lady in front row wearing red). We’d love to meet you and help you open your new account.

Get snappin’ and enter our calendar photo contest


We are looking for landscape photos of southcentral Pennsylvania to use in our 2013 Calendar. Photos must be landscapes from these counties: Adams, Cumberland, Dauphin, Lancaster, Lebanon, Perry and York Counties. See below for contest rules.

Maximize Image Quality
The best prints come from the finest images. Supplying your image to Members 1st in the proper format and resolution will help your submission standout. As a rule, the higher the resolution, the better the picture. Check your camera’s instructions to figure out how to change the resolution setting. For premium printing results, always select the maximum offered photo size and quality. We recommend using no less than 12 mega pixels or 4000 x 3000. Submitted images should be in TIF or JPG format.

Submitting Your Image To Our Contest
Images must be submitted as an attachment by email to: Members1stContest@artcomsys.com. In the body of your email, you must include the following: your full name, years of membership, daytime phone, and description of photo including the town and county in which it was taken.

Contest Rules*
Members 1st Federal Credit Union reserves the right to determine, at its sole discretion, whether a submitted image is acceptable.

  • Contest runs from June 1 to August 1, 2012.
  • Submission of photo(s) grants Members 1st FCU permission to use the photo in marketing materials without additional compensation.
  • Photos must be submitted via email (see Submitting Your Image To Our Contest above)
  • Paper entries or entries submitted on any portable media (CDs, flash drives, etc. will not be accepted).
  • No more than five (5) images may be submitted per person.
  • Entrants must be 18 years of age or older.
  • Photos must be horizontal. (Vertical photos will be disqualified.)  Photos must represent the following southcentral PA counties: Adams, Cumberland, Dauphin, Lancaster, Lebanon, Perry and York Counties.
  • Photos containing any people, provocative, derogatory, violent, sexual, racially or discriminatory or culturally or socially sensitive material will be disqualified. Copyrighted/trademarked photos will be disqualified.

Winning Entries
12 photos will be selected to represent each month in our 2013 Calendar and 1 photo will be selected to appear on the cover. The calendar will be distributed to members on Credit Union Day, Thursday, October 18, 2012. Entries deemed as honorable mention may be used in other Members 1st materials as determined by the Marketing Department without additional compensation.

Winners will be notified by phone or email. Individuals whose photos are selected to represent a single month in the calendar will each receive a $25 VISA ® Gift Card. The individual whose photo appears on the calendar cover will receive a $100 VISA® Gift Card. The winning photos will be identified in the calendar along with the winner’s name, town and photo description.

 *Employees, agents and officials of Members 1st FCU are not eligible to enter. Members 1st FCU is not responsible for any lost, delayed or incomplete entries. All decisions of Members 1st regarding this photo contest are final. Members 1st Federal Credit Union may change the terms and conditions or any aspect of this program without advance notice.

 

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

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.

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