Posts Tagged ‘ bank ’

Fire safety and preparedness starts with you.


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Fire Prevention Week is October 6-12, 2013. Do your part in preventing fires every week, better yet, every day.  Unlike other types of disasters, most home fires can be prevented. From the kitchen to romantic candlelight, to holiday decorations and common household items, things you see and use every day can quickly spell disaster if you’re not careful.

Members 1st Insurance Services offers the following tips:

  • Install a smoke alarm on every level of your home. Test it monthly. Replace the battery at least once a year.
  • Keep a fire extinguisher on all levels of your home, especially in the kitchen.
  • Never overload power strips, extension cords or circuits. Do not place cords and wires under rugs, over nails or in high traffic areas.
  • Use appliances wisely. Watch out for overheating, unusual smells, sparks and shorts.
  • Make sure your wiring and heating system are updated and inspected by a professional.
  • Use safety caps on unused outlets especially if you have small children.
  • Clean your chimneys annually. Use fire screens.
  • Portable heaters need space. Keep a minimum 3-foot distance between them and anything combustible.
  • Do not use gas grills or camping stoves inside. Kerosene heaters should be used with caution.
  • Teach everyone in your home that matches and lighters are not toys.
  • Clean dryer vents and lint filters with every use.
  • Clean out. Piles of clutter are a fire hazard.
  • Practice escape plans from every room in the house. Learn stop, drop and roll.
  • For more tips, visit http://www.nfpa.org/safety-information/fire-prevention-week.

Call (800) 283-2328, ext. 5128 or 5245 today or visit http://www.members1st.org/products-services/insurance-services.

* Insurance services are available to Pennsylvania residents only. Ask us if you qualify for additional group rate discounts through our insurance carriers.

Don’t get run over by the lack of coverage


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There’s a lot riding on the right auto inurance. Lack of coverage will cost you in ways you can’t imagine. The experts at Members 1st Insurance Services know car insurance and can help you design a coverage plan tailored to your needs.

When you talk about auto insurance, do you really understand what it all means? The following may help you understand some common auto insurance jargon. Please note that each state regulates auto insurance differently and some of the terms may differ from state to state or from policy to policy. Ask your insurance agent for clarification.

  • At fault – This is the degree to which you caused or contributed to the accident, or are “at fault”, and it determines whose auto insurance company pays what portion of the damages.
  • Bodily injury liability – This is what pays for the medical expenses and additional damages for which you are liable for other individuals injured in the accident in which you are at fault.
  • Comprehensive coverage – This pays for damages to your vehicle resulting from a covered loss other than a collision. Examples are theft, fire, vandalism, contact with persons, animals, birds or falling objects.
  • Collision coverage – This pays for physical damage to your vehicle if it’s caused by rolling the vehicle or you get into a collision with another vehicle or object such as a telephone pole, fence, or building.
  • Covered loss – This includes any damage to you, your vehicle or other people or property that is covered under your insurance policy.
  • Deductible – This is your upfront out of pocket expenses you pay before what your insurance company pays. Higher deductibles allow your insurance company to offer you lower premiums.
  • Property damage liability – This pays for the damages your auto causes to others and their property.
  • Medical payments coverage – This pays for reasonable medical expenses or death benefits to anyone covered under your policy, regardless of fault.
  • Premium – The amount you pay for your insurance coverage, monthly, quarterly or annually.
  • Underinsured motorist bodily injury coverage – This pays for your bodily injury and any related medical expenses when you’re injured in a car accident and the responsible party (someone other than you) doesn’t have adequate auto insurance.
  • Uninsured motorist bodily injury coverage – This pays for your bodily injury and related medial expenses if you’ve been injured in a car accident and the responsible party (other than you) doesn’t have auto insurance or can’t be located (hit and run).

Ask us about rental reimbursement, repair or replacement coverage, towing and labor coverage, gap insurance and more. Put the brakes on higher premiums and not being covered properly. Let us review your current auto rates and provide you with a FREE quote. We may be able to help you lower your premiums. Ask us if you qualify for an additional group discount through our insurance carriers.*

Call (800) 283-2328, ext. 5128 or 5245 today or visit http://www.members1st.org/products-services/insurance-services.

*Insurance services are available to Pennsylvania residents only.

A life cycle of lending


piggy bank

Think of us first when you need a loan.

Members 1st Federal Credit Union has a whole suite of lending products for every stage of your life. Throughout your lifetime there are many good reasons to borrow money: for education, purchasing a new vehicle or home, or perhaps financing your business needs. We have one of the widest variety of competitively priced lending products of any financial institution in the area. As a member, when you apply for a loan, you may qualify for a discounted loan rate depending upon your Member Loyalty Reward level. Always ask what your reward level is and how that could help your loan rate.

As a locally owned credit union with no stock holders pushing to maximize profits, you are ensured low rate loan products with very little or no fees. One of the first types of lending young adults become familiar with is our student loan program, Credit Union Student Choice. This program allows student and parents to borrow money as a line of credit, which allows for deferred payments until after graduation with low rates and a competitive structure. Our Student Loan Administrator, Tiffanie DeVan, would be glad to sit down with both student and parent to discuss this option for financing your college education. You can reach Tiffanie at (800) 283-2328, ext. 6017.

Many people start their relationship with us via an auto loan. These loans may be obtained either directly from us or through our “On the Spot” vehicle loan program, which is available through any of our 250 auto dealer partners throughout Southcentral Pennsylvania. We have financing available with terms up to 84-months. Visit www.members1st.org > Products & Services > Loans or call (800) 283-2328, ext. 6040 for details.

One of the most convenient types of loan products we offer is our VISA® products. These products include our VISA® Platinum Cash Back program, which features 1% cash back on all purchases, plus 2% cash back on gas and grocery purchases. If you are having some credit issues, but still would like the convenience of a VISA® card, our new VISA® Platinum Secured Card can provide you with a VISA® card and help you re-establish credit. Contact our Card Services Department at (800) 283-2328, ext. 6040 for more details or visit www.members1st.org > Products & Services > Card Services to apply.

If you are purchasing, refinancing, or constructing a new home, our experienced mortgage experts will guide you through the process and make it as easy as possible. We offer VA, FHA, Conventional, and Construction loans, plus a PHFA first time buyer’s program with little or no money as a down payment. You can reach our mortgage specialists at (800) 283-2328, ext. 6026. To view our current rates or to apply online, visit www.members1st.org > Products & Services > Mortgage Services.

After home ownership, you may be interested in home equity loans and lines of credits to assist with making home improvements, debt consolidation, or simply to have a line of credit available for any future borrowing need. Our fixed-rate, fixed-term home equity loan program features terms up to 20 years and our Home Equity Line of Credit products have different repayment options to fit your budget. Contact our loan specialists at (800) 283-2328, ext. 6040 or visit www.members1st.org > Products & Services > Loans > Home Equity Loans & Lines of Credit for details.

If you are a business owner, we have a number of business loan programs available for capital purchases or line of credit products, which can be tailored to suit your business needs. Members 1st participates in the SBA 504 program, in addition to the US Department of Agriculture’s Business and Industry program. Visit www.members1st.org > Products & Services > Business Services to learn more about how we can help you. You may also contact our business lending experts at (800) 283-2328, ext. 5168.

If you need money, we have money to lend: Signature loans, Fresh Start loans, Share Secured loans, and Recreational Vehicle financing to name just a few. In addition, along with many of our lending products we offer our Member Value Protection coverage, which offers low cost debt protection in case of death, disability or unemployment. We are your one stop shop for all of your borrowing needs throughout your life. Stop by your nearest branch or visit us at www. members1st.org.

College is coming


college student

As a parent, this moment has been on your radar, but now it’s coming fast. Your baby is about to begin his or her senior year of high school. This is a very busy year and will fly by quickly. There’s much to do. That also means it’s time to start thinking about higher education opportunities and the application process. To help you and your senior, we’ve included some tips for the fall months as you move forward toward next year’s college departure.

August:

  • Request information and applications from prospective colleges, universities or technical/career schools.
  • Visit campuses to help evaluate schools.
  • Start a general search for scholarships and grants, research financial aid information from prospective schools so you’re aware of any early deadlines.
  • Attend our free Financial Aid Seminar on Thursday, August 22 from 6 to 8 pm at our Adminstrative Headquarters.

September:

  • Set a time to meet with school guidance counselors to determine college admission plans and to arrange proper testing (SAT, PSAT, ACT). Attend college fairs and meet with admission representatives to discuss career objectives and see if the school is recognized as being strong in this field.
  • Attend Financial Aid Nights offered by local high schools or Members 1st.
  • Evaluate early decision/early application admission requirements.
  • Start admission applications. You should apply to numerous schools so you have options if you are not accepted at your first choice.

October:

  • Be aware of college admission application deadlines in order to submit application materials (applications, essays, transcripts and letters of recommendation) in a timely manner.
  • Research and begin applying for private scholarships and grants. Always double check the deadlines.
  • Check with schools regarding application procedures and availability of scholarships and grants.

You can also find resources about student loans and our Student Choice Line of Credit at www.members1st.org > Products & Services > Student Services.  Our Specialty Loan Administrator, Tiffanie DeVan, is always ready to help you. You can reach her at (800) 283-2328, ext. 6017 or devant@members1st.org.

Protecting Your Pets


We know how important your dog or cat is to your family. That’s why we teamed up with Petplan® to help you have access to affordable, comprehensive, flexible and affordable coverage. Veterinary bills and emergency situations can be expensive and we wouldn’t want you to deny your pet the veterinary care it needs because you may not be able to afford it. 

Petplan* policyholders can visit any licensed veterinarian in the United States or Canada for treatment of all unexpected accidents and illnesses – including hereditary and chronic conditions. Petplan pet insurance covers, as standard:

  • prescription medications
  • lab tests and diagnostic testing
  • X-ray, MRI and CAT scan imaging
  • surgery
  • hospitalization
  • cancer treatments
  • specialist treatments

Think about how much your pet means to you. For a free instant quote, visit www.GoPetplan.com. Online purchase discounts available. Questions may be directed to (866) 467-3875.

*Terms and conditions apply. For full details, visit http://www.GoPetplan.com. Coverage under any pet insurance policy is expressly subject to the conditions, restrictions, limitations, exclusions and terms of the policy documentation issued by the insurer. Availability of this program is subject to each state’s approval and coverage may vary by state. Pet insurance policies are issued by AGCS Marine Insurance Company and administered by Fetch Insurance Services, LLC (Fetch Insurance Agency LLC in Michigan) d/b/a Petplan (Petplan Insurance Agency, LLC in California).

Hurricane Sandy Early Closing


All Members 1st branches and Administrative Headquarters are closing at 1 pm on Monday, October 29 due to Hurricane Sandy. Thank you for your patience and understanding. Stay safe & dry!

Earn more with VISA Platinum Cash Back Rewards


With all of those credit card offers out there it’s often difficult to decide which card is the best one for you. What features and benefits are most important to you? Do you shop around on a regular basis for the best rate? Do you like to flip balances from one card to the next?

When it comes to credit cards, there are a few things that grab one’s interest – usually it’s the rate, the terms, the fees and the perks. We know that credit cards have a lot of pros and cons. You have to read the fine print. You need to ask questions. You need to understand the penalties, billing terms ands on.

At Members 1st Federal Credit Union, we like to keep things simple when it comes to our VISA Credit Cards. We only want one thing from of you – we want you to have our card in your wallet. One thing you can be sure of with our VISA Platinum Cash Back Rewards Card — our new cash back rewards program will put more money in your pocket thanks to a new simplified rewards structure. As a VISA Platinum Cash Back Rewards Credit Cardholder, you will:

Earn 1% Cash Back on ALL Purchases* and Earn 2% Cash Back on Gas & Groceries*

This new redemption program provides you with more options to redeem your rewards any time you desire once you’ve earned a minimum of $25.00 in cash back rewards. Your cash back reward balance and earnings will  be printed on your monthly account statement and will not expire. Additionally, you have immediate access to a full redemption web site where you can select your redemption options, monitor your cash reward balances and save for that special something, or purchase gift cards and other specials. You may access this site from Members 1st Online. Simply click on the VISA tab after you login.

The more you use our VISA Platinum Cash Back Rewards Credit Card, the more you’ll receive. There’s never been a better time to have our VISA Credit Card. Apply today:
http://www.members1st.org/>Members 1st Online>Loan Applications
(800) 283-2328, ext. 6040
At your local branch

visa gas and groceries art

*Your Members 1st FCU VISA Platinum Cash Rewards card will earn 1.0% cash rewards on all new qualifying net purchases (less credits, returns and adjustments). You will earn cash rewards of 2.0% for all new qualifying net purchases at eligible grocery merchants and gas merchants. Eligible grocery merchants are classified by standard industry codes (SIC) of 5411 and 5451. Eligible gas merchants are classified by standard industry codes (SIC) of 5541 and 5542. Each quarter (defined as January through March, April through June, July through September, and October through December) there is a limit of a total of $1,500.00 of the eligible SIC code merchants to receive the 2.0% cash rewards, after the $1,500.00 limitation for that specific quarter all applicable transactions will receive the standard 1.0% cash reward only. Members 1st FCU cannot be held liable or responsible for merchants that are not properly identified with these SIC codes which will result in receiving only 1.0% cash rewards. Balance Transfers, Cash Advances, Convenience Checks, purchasing of money orders or cash equivalents (including ATM advances) are not eligible for cash rewards. Should your account become 90 days or more delinquent or fall out of good standings any and all accumulated cash rewards will be forfeited. Ask and associate for full details.

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