Posts Tagged ‘ bank ’

A Day to Celebrate


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Since 1948, credit unions from around the world have come together to celebrate International Credit Union Day and the credit union difference. More than 217 million members of credit unions in 109 countries worldwide benefit from credit union services, and the number of members grows every day. By comparison, we serve over 330,000 members across the globe.

Today, Thursday, October 20, we celebrate International Credit Union Day and the impact credit unions make in members’ lives every day. Not only do credit unions offer great member service, better rates, and lower fees, we also provide access to financial services and improved economic opportunities for our members, both business and non-business.

Our Board of Directors, Senior Management, and associates would like to extend our heartfelt appreciation, gratitude and sincere thanks to all of our members who have accounts with us and who rely on us for their personal and business financial needs.  We appreciate your business and trust more than you know. Thank you for choosing us as your financial institution.

To our associates, you help make the credit union difference by helping our members get in to a better financial position. You make things possible for our members when they may think that everything is impossible. Together we make Members 1st a place where dreams are encouraged and achievements are celebrated. We make things happen today so that our members have a brighter tomorrow.

Each and every one of us will continue to position Members 1st to respond to inevitable changes in technology, membership, and the business environment with swiftness, confidence, professionalism and credit union spirit. No financial need is too big or too small to be served by Members 1st. We will continually strive to be the people’s champion in the Southcentral Pennsylvania financial services marketplace. We promise to deliver the best possible service to all members, all day, every day.

Today, we are providing our members with our 2017 Calendar as a token of appreciation. Calendars are available at all of our branch locations. The calendar features photos taken by our members that they submitted to our pets and wildlife themed photo contest. Happy International Credit Union Day to all! 

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Shrewsbury Branch Grand Opening Event Slated for Saturday


We hope to see you at our celebration event on Saturday!

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What’s the difference?


Do banks and credit unions all seem the same to you?  You have heard the term “credit union” over and over again but you just don’t know what makes it all that special.  Credit unions are actually much more different from a bank than you think!  Here at Members 1st Federal Credit Union, we take pride in the things that differentiate us from banks, and we want you to better understand why.

There are many distinct differences between credit unions and other banking institutions. If you’re already a member, that’s great. Think back on the reasons that made you switch financial institutions. If you’re not a member, this video will highlight some very good reasons to help you to decide which financial institution is the best for your needs. The benefits of credit union membership are countless!

 

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Experience the credit union difference. If you’re not a member at Members 1st Federal Credit Union, consider checking us out.

 

Written by guest blogger Zach Heckert, Marketing Intern

Think of what you spend in a day


Have you ever wondered during your daily routine if there was something you could be doing to save you money?  Every day, you make simple decisions that can cost you a good chunk of cash that could be saved and used for weekend fun.  Often times you make these decisions without even thinking of the quick and easy alternative rather than spending money.  Luckily for you there are plenty of simple and cheap swaps you can make to have more money at the end of the day.

In this quick video, you’ll see multiple ways that you can save money that are easy to change in your daily life.  You will see how simple it really can be for you to save money, which will make you and your wallet much happier!  Not only could these cheap swaps save you money each week, but they could also result in saving you time.  Begin applying these easy changes to your daily routine, and start saving some serious cash.

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Members 1st Federal Credit Union can help you manage your money. Click here to learn more.

 

Written by guest blogger Zach Heckert, Marketing intern

Thank you for your votes!


We appreciate your selecting us as Simply The Best Credit Union in this year’s readers’ poll. Thank you to everyone who voted for us!We won Simply the Best Credit Union!

Lose Some Debt Weight in 2015


So many bills!

 

Do you have multiple department store or gas cards that you never use? Do you pay annual fees for cards that never see the light of day?  Maybe it’s time to clean out your wallet and lose a little debt weight this year. Here are some tips:

PAY. If you have numerous credit card balances, tackle the one with the highest interest rate first and pay the minimum amount required on all of your other balances. When that one
is paid off, consider rolling that amount into the next highest credit card balance (old amount plus the minimum payment required).

TRANSFER. Consider transferring your higher rate credit card balances and loans to a Members 1st VISA®, which could save you money! Take advantage of our 1.90% APR VISA® Balance Transfer option. Call (800) 283-2328, ext. 6040, visit a branch or log into Members 1st Online » Card Services » VISA® Balance Transfer. This offer is available on balance transfers received through June 30, 2015.*

CHOOSE. Figure out which card you’ve had for the longest amount of time. Make sure to keep this card open, since lenders often see borrowers with short credit histories to be riskier than those with long credit histories. Determine one or two cards to utilize regularly and leave the rest at home. If you have a card that has a low-interest rate or offers rewards, it may be best to keep it open. It’s alright to close those credit cards that you’re no longer using, as long as they don’t have balances and you have other cards.

FOLLOW UP. If you choose to close a credit card, make sure to send a letter to the issuer sharing your decision. Double check your credit report to see if the card is reported as “closed.”

*The 1.90% Annual Percentage Rate (APR) on Balance Transfers using the specific form or online submission is a “Discounted” rate that will be in effect from the time of the posting of the balance transfer to your card account for six consecutive billing cycles afterwards, which will be considered the promotional period expiration date of that specific balance transfer. After the expiration of your “Discounted” rate the remaining unpaid portion of the original balance transfer request will be subject to your normal APR as outlined on your monthly statement based on the specific Members 1st FCU credit card selected. Consumer Cards (Business Cards are ineligible) may have up to 10 individual balance transfers open at any given time period. If you default through becoming 60 days or more delinquent we may increase your APR on the balance transfer and other balance amounts as defined within the cardholder agreement and disclosure, which is provided upon card issuance and available online at http://www.members1st.org. All payments received on your account in excess of your minimum payment requirement will be applied first  to the highest rate balances, secondly to the lowest rate balances and finally  to new purchases. All rates are effective as of January 1, 2015 and this offer may be withdrawn at any time. Other restrictions or conditions may apply. You may not pay off your current Members 1st loans or lines of credit by using this balance transfer option. For current rates, fees and other cost information, please reference the Visa Balance Transfer disclosure or contact the Members 1st FCU Card Services Group at (800) 283-2328, ext. 6035. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.

 

Stay on track with financing college


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High school graduation is right around the corner. There’s no way your baby is old enough to be going off to college. You just waved goodbye to kindergarten and you’re dealing with the fact you really do have a child old enough to be in college. And it costs how much? What do we need to do when? What’s a parent to do?

We know there are many important steps to getting your son or daughter into school, so here’s a college preparation checklist to help keep you on track:

Now:
• Complete income tax forms as early as possible (information is needed to complete federal and state financial aid applications)
• Complete the Free Application for Federal Student Aid (FAFSA) and the Pennsylvania State Grant Application. The FAFSA can be completed online at www.fafsa.gov and the PA state grant application can be found at www.pheaa.org.
• If the college/university requires additional documents or applications, be sure to complete those, too. Make sure all forms are completed before each school’s deadline.
• Continue searching for scholarships now and the entire way through college.
• Plan college visits if you’re still deciding on the right school.

April through June:
• Financial aid packages/award letters and college acceptance letters will start rolling in from schools. Keep track of them and pay attention to any deadlines.
• Thoroughly review the award letters to determine how much financial aid (grants, scholarships, work-study and loans) you’ll receive and how much is still needed to bridge the gap between the cost of attendance and the amount of aid offered.
• If financial aid and college savings plans aren’t enough to cover all school-related expenses, start researching additional options (ex. monthly payment plans with the school, federal & private student loans, etc.)
• Attend one of our financial aid seminars for addition details on financing a college education. They’re scheduled for April 24, May 22 and June 26. You can register online at
www.members1st.org.
• Complete applications for student loans if necessary.
• Open a checking account and VISA® Debit Card with us for your child and set up across account transfer capability so you can transfer money from your account to your child’s account.
• Celebrate graduation with family and friends!

Not sure what do make of the entire student loan process or just need to talk to someone with some expertise? Call Tiffanie DeVan, our Specialty Loan Administrator, at (800) 283-2328, ext. 6017 or (717) 795-6017 or email devant@members1st.org.

 

Has Old Man Winter Done a Number on Your Home?


ice and snow on roofIce, snow, freezing rain, melting snow, refreezing snow – we sure have had our fill this winter, haven’t we? How’s your home holding up to all of this winter abuse? Old Man Winter has the potential to do serious damage to your roof, other areas outside your home – not to mention the possible ripple effects that can occur inside. Obviously pre-season prevention helps, but if you didn’t prepare your home for winter a few months ago, keep the following in mind as we move towards the end of the winter season.

Be aware of an ice dam forming on your roof. This happens when water from melting snow re-freezes at the edge of your roofline. If you don’t remove the snow from your roof, this ice dam could grow large enough to prevent water from draining off of the roof. When this happens, just like when the drains are covered on the street, water builds up, backs up and then it could make its way inside your home. The last thing  you want is your roof or ceiling having issues. As a property owner, you are responsible for the cost of preventive maintenance. You may find it helpful each winter season to develop a snow removal roof monitoring plan. 

If you have an attic, be sure it is thoroughly insulated. When heat escapes through the roof, it will melt what’s on top of it and then when it re-freezes, you could end up with a serious issue.

Make sure you’re turning off your outside water faucets and draining them before the deep freeze sets in. Add weather-stripping around doors and caulk your windows to guard against drafts and heat loss. Maybe you need to make the investment into new windows and doors. Be sure to get your chimneys cleaned and your furnace checked out each season. Change your furnace filter. Don’t turn off your heat or set it below 55 degrees. You need to have some heat circulating in your home, even when you are not home. You really don’t want to have to deal with frozen or bursting pipes, do you? Clean a clear path around your outside dryer vent, ventilation pipes and so on.

Keeping your safety in mind first, should you have a roof full of snow and ice, be sure remove as much snow as you can after every storm. The amount of snow and ice that your roof can handle varies according to a number of factors such as the roof type, age, and condition of the structure. And remember to inspect your roof each season, keep gutters free from debris such as twigs, leaves and the like. Clean out your down spouts.

Use a roof rake to clear the snow. Rule of thumb – if you have more than a foot of heavy, wet snow up there along with ice, do what you can to get it removed. If you can’t do it yourself or with a neighbor, call a reputable contractor or check with your home, landscape or roofing contractor or call your property maintenance company. Remember, climbing a ladder in snow and icy conditions is never a good idea. Safety first.

Before filing a claim, be sure to have seasonal maintenance done on your home to avoid those costly repairs. The cost of snow removal may be considerably less in price than the cost of roof damage, interior damage and other issues caused by water leaks.

Would you like a free quote for your homeowners insurance? Check out Members 1st Insurance Services*.  Also, ask us about renter’s insurance – protect your personal property while renting under someone else’s roof.

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