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.

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.

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

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.

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