Members 1st Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
North Middleton Branch	1711 Spring Rd, Carlisle, PA 17013	View Lobby Hours
Rossmoyne Members 1 FCU	5000 Louise Dr, Mechanicsburg, PA 17055	View Lobby Hours
Shippensburg Branch	401 E King St, Shippensburg, PA 17257	View Lobby Hours
Gettysburg Giant Branch	44 Natural Springs Rd # D, Gettysburg, PA 17325	View Lobby Hours
Carlisle Crossings Branch	321 York Rd, Carlisle, PA 17013	View Lobby Hours
New Cumberland Giant Branch	130 Old York Rd, New Cumberland, PA 17070	View Lobby Hours
Derry Street Branch	8100 Derry St, Harrisburg, PA 17111	View Lobby Hours
Newberry Commons Branch	350 Newberry Cmns, Etters, PA 17319	View Lobby Hours
Hershey Route 39 Branch	176 Hershey Rd, Hershey, PA 17033	View Lobby Hours
Gettysburg Branch	105 Chambersburg St, Gettysburg, PA 17325	View Lobby Hours
Naval Support Activity Branch	5450 Carlisle Pike, Mechanicsburg, PA 17050	View Lobby Hours
Manchester Giant Branch	205 Glen Dr, Manchester, PA 17345	View Lobby Hours
West York Branch	2145 White St, York, PA 17404	View Lobby Hours
Whiteford Road Branch	2360 Whiteford Rd, York, PA 17402	View Lobby Hours
North Hanover Branch	1221 Carlisle St, Hanover, PA 17331	View Lobby Hours
Mt Rose Avenue Branch	2420 Mount Rose Ave, York, PA 17402	View Lobby Hours
Middletown Branch	361 E Main St, Middletown, PA 17057	View Lobby Hours
Carlisle Pike Branch	6280 Carlisle Pike, Mechanicsburg, PA 17050	View Lobby Hours
Carlisle Barracks Branch	1 Carlisle Barracks, Carlisle, PA 17013	View Lobby Hours
Linglestown Giant Branch	2300 Linglestown Rd, Harrisburg, PA 17110	View Lobby Hours
Linglestown Road Branch	2792 Old Post Rd, Harrisburg, PA 17110	View Lobby Hours
Blue Shield Branch	1800 Center St, Camp Hill, PA 17011	View Lobby Hours
Union Deposit Branch	1021 Briarsdale Rd, Harrisburg, PA 17109	View Lobby Hours
Dillsburg Branch	5 Tristan Dr, Dillsburg, PA 17019	View Lobby Hours
Walnut Bottom Branch	1166 Walnut Bottom Rd, Carlisle, PA 17015	View Lobby Hours
Colonial Park Branch	15 N Lockwillow Ave, Harrisburg, PA 17112	View Lobby Hours
Carlisle Giant Branch	255 S Spring Garden St, Carlisle, PA 17013	View Lobby Hours
Blue Cross Branch	2500 Elmerton Ave, Harrisburg, PA 17177	View Lobby Hours
Market Plaza Branch	4 Market Plaza Way, Mechanicsburg, PA 17055	View Lobby Hours
South Hanover Branch	1680 Baltimore Pike, Hanover, PA 17331	View Lobby Hours
Enola Branch	392 E Penn Dr, Enola, PA 17025	View Lobby Hours
East Market Street Giant Branch	2415 E Market St, York, PA 17402	View Lobby Hours
Red Lion Giant Branch	3175 Cape Horn Rd, Red Lion, PA 17356	View Lobby Hours
Strawberry Square Branch	11 N 3rd St, Harrisburg, PA 17101	View Lobby Hours
Lancaster Shopping Center Giant Branch	1605 Lititz Pike, Lancaster, PA 17601	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 2059741	5.934%	5.875%	0.63	$2,051	$1,893	Learn More
NMLS ID: 1067	6.052%	5.990%	0.63	$2,138	$1,917	Learn More
NMLS ID: 401822	6.139%	6.000%	0.88	$4,795	$1,919	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity Line See Table	0.000 %	$0	Learn More More Info
The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Approval may be granted in fi ve minutes but is ultimately subject to verifi cation of income and employment, as well as verifi cation that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000. #1 Non-bank HELOC in the US, A+ BBB Rating Access $15,000 to $750,000 in home equity with flexible terms Approval in as few as 5 minutes, funding in as few as 5 days Use to consolidate debt, finance your next home project, or major expenses
Upstart Home Lending See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873 As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Valley Strong Credit Union See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day closing assumes closing the loan with our remote online notary. Closing timelines will be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Achieve Loans See Table	Intro APR 7.240 % After Intro: 7.240 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600

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