Members 1st


5000 Louise Dr
Mechanicsburg, PA 17055
See all branch locations →

Phone 1-717-697-1161

Notable Rates APY Vs.Others
Savings 0.10% 0.65% →
1-Year CD 0.70% 0.75% →
2-Year CD 0.90% 0.75% →
5-Year CD 1.15% 1.15% →
30-Year Mortgage 4.05% 2.72% →
15-Year Mortgage 3.34% 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Members 1st is an NCUA insured institution located in Mechanicsburg, PA. It was founded in 1950 and has approximately $5683.81 millions in assets.

Who can join?

In order to open an account with Members 1st your employer, organization, school or church needs to be affiliated with as a Select Employer Group. If that is not the case then you must be a relative of someone who is already a member.

You may also open an account by having an affiliation with the Antique Automobile Club of America, the Army Heritage Center Foundation or the Lancaster Quilt & Textile Museum. Certain conditions and/or restrictions may apply.

NCUA Insured Yes / Federally Chartered
Charter Number # # 6694
Date Established 1950
Assets $5,683.81 million
Loans $3,907.09 million
Deposits $4,927.30 million
Capital $531.93 million

Field of Membership Restrictions

Membership in Members 1St Federal Credit Union is open anyone through membership in Antique Automobile Club of America ($18 six month membership fee), Army Heritage Center Foundation ($5 donation), or Landis Valley Village and Farm Museum ($35 yearly membership). Membership is also open to those associated with the credit union's Select Employer Groups.

Deposit Rates - June 13, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.45% $100,000 $199,999 Learn More
12 Mo CD
0.60% $10,000 $14,999 Learn More
12 Mo CD
0.70% $100,000 $199,999 Learn More
18 Mo CD
0.75% $10,000 $14,999 Learn More
18 Mo CD
0.85% $100,000 $199,999 Learn More
24 Mo CD
0.80% $10,000 $14,999 Learn More
24 Mo CD
0.90% $100,000 $199,999 Learn More
30 Mo CD
0.85% $10,000 $14,999 Learn More
30 Mo CD
0.95% $100,000 $199,999 Learn More
36 Mo CD
0.90% $10,000 $14,999 Learn More
36 Mo CD
1.00% $100,000 $199,999 Learn More
48 Mo CD
1.00% $10,000 $14,999 Learn More
48 Mo CD
1.10% $100,000 $199,999 Learn More
60 Mo CD
1.05% $10,000 $14,999 Learn More
60 Mo CD
1.15% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.05% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - June 13, 2021

Your Current Location: Connecticut, CT 06828

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
3 Year 3.34% 3.34% $730.78
4 Year 3.34% 3.34% $557.12
5 Year 3.34% 3.34% $453.00
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.



Below are Members 1st branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Members 1st Locations

Financial Details

Members 1st Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Members 1st. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Members 1st U.S. Average
5.26% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, Members 1st had $28,024,451 in non-current loans and $1,556,513 in owned assets. To cover these potential losses it had $531,934,260 in net worth and $30,090,324 in loans loss reserves. That gives it a Texas Ratio of 5.26%.

Net Worth
Members 1st U.S. Average
10.03% 12.67%

Members 1st FCU has a net worth of 10.03% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Members 1st

Branches and Savings

What is Members 1st?

A federal credit union, registered with the NCUA under certificate #6694.
Learn more about credit unions here.

Is Members 1st FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Members 1st is insured by the NCUA.

Who can join Members 1st?

Please see Field of Membership information above for information on who is eligible to join.

What are Members 1st's share account and share certificate rates?

Members 1st's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Members 1st?

Members 1st has total capital of $531.93 million. Full information on Members 1st's financial position is located above.

Who owns Members 1st?

Credit Unions are owned by their members.

Where are Members 1st branches located?

See branch locations nearby.

Are Members 1st ATMs Open 24/7?

Do Members 1st ATMs accept cash deposits?

Can Members 1st customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Members 1st have a mobile app?

Does Members 1st have mobile deposit?

Does Members 1st have quick pay?

How can Members 1st transfer money to other banks or credit unions?

Does Members 1st report to credit bureaus?

Does Members 1st use Chexsystems?

Does Members 1st use Equifax?

What is Members 1st's toll free phone number?

What is Members 1st's ACH Routing Number?

What is Members 1st's SWIFT code?

Where can I find Members 1st's wire transfer form?

What is the Members 1st address for deposits?

What Products Does Members 1st Offer

Does Members 1st offer mortgages?

Compare mortgage rates here.

Does Members 1st offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Members 1st offer auto and RV loans?

Compare auto loan rates here.

Does Members 1st offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Members 1st

There are currently no comments for Members 1st. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →