Members 1st Federal Credit Union

Headquarters

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

Phone 1-717-697-1161

Notable Rates APY Vs.Others
Savings 0.10% 0.85% →
1-Year CD 0.70% 0.75% →
2-Year CD 0.90% 0.80% →
5-Year CD 1.15% 1.25% →
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 $6122.34 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 $6,122.34 million
Loans $4,228.16 million
Deposits $5,351.80 million
Capital $582.16 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 - November 29, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
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
Var IRA
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 - November 29, 2021

Your Current Location: Virginia, VA 20146

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.


 

Branches

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:
Ashburn,Virginia


Members 1st Locations



Climate Initiatives

MEMBERS 1ST is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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
1.83% 3.79

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 June 30, 2021, Members 1st had $10,355,986 in non-current loans and $824,664 in owned assets. To cover these potential losses it had $582,155,350 in net worth and $28,592,037 in loans loss reserves. That gives it a Texas Ratio of 1.83%.

Net Worth
Members 1st U.S. Average
10% 12.22%

Members 1st FCU has a net worth of 10% versus the BestCashCow average of 12.22. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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