Members 1st Federal Credit Union
Headquarters
5000 Marketplace Way
Enola, PA 17025
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Phone 1-717-697-1161
2024 Overview
General Credit Union Information
Members 1st is an NCUA insured institution located in Enola, PA. It was founded in 1950 and has approximately $7419.25 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 | $7,419.25 million |
| Loans | $6,176.46 million |
| Deposits | $6,419.78 million |
| Capital | $898.79 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 - April 23, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.10% | $50 | - |
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|
Money Market
|
0.50% | $2,500 | $24,999 |
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|
Money Market
|
0.65% | $25,000 | $49,999 |
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|
Money Market
|
0.75% | $50,000 | $99,999 |
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|
Money Market
|
1.00% | $100,000 | $249,999 |
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|
Money Market
|
1.25% | $250,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Month
|
0.80% | $500 | $9,999 |
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| 6 Mo CD
|
0.85% | $10,000 | $49,999 |
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|
| 6 Month
|
0.90% | $50,000 | $74,999 |
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| 6 Month
|
1.00% | $75,000 | $99,999 |
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| 6 Mo CD
|
1.10% | $100,000 | $499,999 |
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| 6 Month
|
1.10% | $500,000 | $999,999 |
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| 6 Month
|
1.15% | $1,000,000 | - |
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|
| 9 Month No Penalty
|
0.75% | $5,000 | - |
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| 12 Month
|
5.00% | $500 | $9,999 |
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|
| 12 Mo CD
|
5.00% | $10,000 | $49,999 |
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|
| 12 Month
|
5.00% | $50,000 | $74,999 |
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|
| 12 Month
|
5.00% | $75,000 | $99,999 |
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|
| 12 Mo CD
|
5.00% | $100,000 | $499,999 |
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|
| 12 Month
|
5.00% | $500,000 | $999,999 |
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|
| 12 Month
|
5.00% | $1,000,000 | - |
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| 15 Month Special
|
0.85% | $500 | - |
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| 18 Month
|
1.10% | $500 | $9,999 |
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|
| 18 Mo CD
|
1.15% | $10,000 | $49,999 |
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| 18 Month
|
1.20% | $50,000 | $74,999 |
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| 18 Month
|
1.30% | $75,000 | $99,999 |
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| 18 Mo CD
|
1.40% | $100,000 | $499,999 |
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| 18 Month
|
1.40% | $500,000 | $999,999 |
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| 18 Month
|
1.45% | $1,000,000 | - |
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| 24 Month
|
1.15% | $500 | $9,999 |
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| 24 Mo CD
|
1.20% | $10,000 | $49,999 |
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| 24 Month
|
1.25% | $50,000 | $74,999 |
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| 24 Month
|
1.35% | $75,000 | $99,999 |
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| 24 Mo CD
|
1.45% | $100,000 | $499,999 |
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| 24 Month
|
1.45% | $500,000 | $999,999 |
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| 24 Month
|
1.50% | $1,000,000 | - |
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| 30 Month
|
1.20% | $500 | $9,999 |
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|
| 30 Mo CD
|
1.25% | $10,000 | $49,999 |
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| 30 Month
|
1.30% | $50,000 | $74,999 |
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|
| 30 Month
|
1.40% | $75,000 | $99,999 |
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|
| 30 Mo CD
|
1.50% | $100,000 | $499,999 |
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| 30 Month
|
1.50% | $500,000 | $999,999 |
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| 30 Month
|
1.55% | $1,000,000 | - |
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| 36 Month
|
1.30% | $500 | $9,999 |
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| 36 Mo CD
|
1.35% | $10,000 | $49,999 |
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| 36 Month
|
1.40% | $50,000 | $74,999 |
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| 36 Month
|
1.50% | $75,000 | $99,999 |
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| 36 Mo CD
|
1.50% | $100,000 | $499,999 |
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| 36 Month
|
1.60% | $500,000 | $999,999 |
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| 36 Month
|
1.65% | $1,000,000 | - |
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| 48 Month
|
1.40% | $500 | $9,999 |
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|
| 48 Mo CD
|
1.45% | $10,000 | $49,999 |
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| 48 Month
|
1.50% | $50,000 | $74,999 |
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|
| 48 Month
|
1.60% | $75,000 | $99,999 |
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| 48 Mo CD
|
1.70% | $100,000 | $499,999 |
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| 48 Month
|
1.70% | $500,000 | $999,999 |
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| 48 Month
|
1.75% | $1,000,000 | - |
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| 60 Month
|
1.50% | $500 | $9,999 |
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|
| 60 Mo CD
|
1.55% | $10,000 | $49,999 |
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| 60 Month
|
1.60% | $50,000 | $74,999 |
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| 60 Month
|
1.70% | $75,000 | $99,999 |
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| 60 Mo CD
|
1.85% | $100,000 | $499,999 |
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| 60 Month
|
1.85% | $500,000 | $999,999 |
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|
| 60 Month
|
1.95% | $1,000,000 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.05% | $2,500 | - | Learn More |
Loan Rates - April 23, 2024
Your Current Location: Ohio, OH 43085
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
5.50% | 5.50% | Varies | |
Compare with 7.49 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
||||
| 10 Year Loan
See Table |
4.99% | 4.99% | $1,060.17 | |
| 15 Year Loan
See Table |
5.99% | 5.99% | $843.32 | |
| 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 | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
6.84% | 6.75% | $2,831.71 | |
| 30 Year Fixed Conforming See Amortization Table |
7.55% | 7.50% | $2,237.49 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
6.84% | 6.75% | $2,831.71 | |
| 30 Year Fixed Conforming See Amortization Table |
7.55% | 7.50% | $2,237.49 | |
Compare with 6.584% APR and 6.500% 30-Year Fixed RATE from District Lending
See All Mortgage Rates |
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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:
Columbus,Ohio
Climate Policy and 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.
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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 |
|---|---|
| 7.94% | 6.97 |
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, 2023, Members 1st had $71,053,882 in non-current loans and $3,371,366 in owned assets. To cover these potential losses it had $898,793,927 in net worth and $38,575,139 in loans loss reserves. That gives it a Texas Ratio of 7.94%.
Net Worth
| Members 1st | U.S. Average |
|---|---|
| 12.38% | 13.62% |
Members 1st FCU has a net worth of 12.38% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Members 1st
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