Discover - Members 1st Federal Credit Union
Discover - Members 1st Federal Credit Union
Discover - Members 1st Federal Credit Union
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<strong>Discover</strong><br />
Spring 2013<br />
A Publication for Prospective <strong>Members</strong><br />
We Put Our <strong>Members</strong> First.
Open your<br />
account today:<br />
If your employer, organization,<br />
school or church offers<br />
membership with us as a free<br />
benefit, then as an employee,<br />
member or volunteer, you are<br />
eligible to open an account.<br />
We also extend credit union<br />
membership to your immediate<br />
family, including spouse, child,<br />
sibling, parent, grandparent,<br />
grandchild, stepparent, stepchild,<br />
stepsibling, legal guardian,<br />
or adoptive relationships. In<br />
addition, anyone who lives in the<br />
same residence and represents<br />
a single economic unit such as<br />
those in a permanent domestic<br />
partnership is eligible to join.<br />
Fraternities, sororities, apartment<br />
or condominium complexes do<br />
not qualify.<br />
<strong>Members</strong>hip questions may be<br />
directed to a branch near you or<br />
call (800) 237-7288.<br />
Online membership<br />
application:<br />
Available on www.members<strong>1st</strong>.org.<br />
Our Mission:<br />
To serve our community and<br />
partner with our members to<br />
offer value-added financial<br />
products, services, solutions,<br />
and no-compromise member<br />
service by:<br />
We put our<br />
members first.<br />
We appreciate your interest in <strong>Members</strong> <strong>1st</strong> <strong>Federal</strong> <strong>Credit</strong> <strong>Union</strong><br />
and we look forward to doing business with you.<br />
We know it’s not easy starting a new relationship with a financial<br />
institution. Rest assured, we combine old-fashioned personal<br />
service with cutting-edge technology to provide you with the<br />
perfect package of financial products and services. We’re not<br />
“<strong>Members</strong> <strong>1st</strong>” only in name but also in practice, hence our motto,<br />
“We Put Our <strong>Members</strong> First.”<br />
We’re different from other financial institutions. To learn more about what those<br />
differences are, please turn to page 5 of this publication. As a member-owned<br />
financial institution, we don’t pay out big dividends to stockholders. That means we<br />
reward you with better interest rates on your deposits and lower interest rates on<br />
your loans. You benefit from our success.<br />
We’ve been locally owned and operated since 1950 and we’re not going to be bought<br />
out by another financial institution. Our associates are your friends and neighbors. We<br />
know the local community and pride ourselves in giving our time and resources to<br />
improve the quality of life in Southcentral Pennsylvania.<br />
We invite you to learn more about us through our Web site at www.members<strong>1st</strong>.org<br />
or visit one of our conveniently located branches. We welcome the privilege of<br />
providing you with customized financial products and services to meet your personal<br />
and business financial needs.<br />
Bob Marquette<br />
President & CEO<br />
• Delivering unparalleled<br />
experiences.<br />
• Providing resources and<br />
leadership to enhance our<br />
community presence.<br />
• Ensuring opportunities<br />
for associates’ professional<br />
development.<br />
2 <strong>Members</strong> <strong>1st</strong> <strong>Federal</strong> <strong>Credit</strong> <strong>Union</strong> We Put Our <strong>Members</strong> First.
Products & Services<br />
We offer products and services to help you manage both your personal and<br />
business accounts. For additional details, visit www.members<strong>1st</strong>.org or stop<br />
by your local branch.<br />
Savings<br />
■■<br />
Regular Share Savings<br />
■■<br />
Holiday Club<br />
■■<br />
Vacation Club<br />
■■<br />
Youth Club<br />
■■<br />
Supplemental Savings<br />
■■<br />
Money Management Account<br />
■■<br />
Share Certificates (3 to 60 month terms)<br />
■■<br />
Trust Accounts<br />
■■<br />
Uniform Transfers/Gifts to Minors Account<br />
Rewards Checking<br />
■■<br />
Debit Card (with Swipe 5 ® cash-back rebates and option to<br />
select your own card design)<br />
■■<br />
Dividends (interest) paid on average monthly balances<br />
of $2,500 or more<br />
■■<br />
Overdraft Protection<br />
■■<br />
No per-check or monthly service fees<br />
Retirement Savings<br />
■■<br />
IRA Savings Accounts<br />
■■<br />
IRA Certificates (Traditional and Roth, 3- to 60-month terms)<br />
■■<br />
Coverdell Education IRA Savings Account<br />
■■<br />
Health Savings Account<br />
Loans<br />
■■<br />
New and Used Vehicle Loans<br />
■■<br />
Auto Equity Loans<br />
■■<br />
Second Chance Car Loans<br />
■■<br />
Mobile Home Loans<br />
■■<br />
Signature Loans<br />
■■<br />
Personal Line of <strong>Credit</strong><br />
■■<br />
On-The-Spot Auto and RV Loan Program<br />
■■<br />
Motorcycle Loans<br />
■■<br />
Boat Loans<br />
■■<br />
Recreational Vehicle Loans<br />
■■<br />
Consumer Financing Program<br />
Mortgages & Home Equity<br />
■■<br />
Unimproved Land Loans<br />
■■<br />
Construction Loans<br />
■■<br />
First Mortgages & Mortgage Refinancing<br />
■■<br />
Home Equity Loans & Lines of <strong>Credit</strong><br />
VISA® <strong>Credit</strong> Card<br />
■■<br />
VISA® Platinum Cash Back <strong>Credit</strong> Card<br />
■■<br />
VISA® Platinum Points <strong>Credit</strong> Card<br />
■■<br />
VISA® Platinum Select <strong>Credit</strong> Card<br />
■■<br />
VISA® Platinum Secured <strong>Credit</strong> Card<br />
■■<br />
VISA® Internationl EMV/Chip Reloadable Prepaid Card<br />
■■<br />
VISA® Gift Cards<br />
■■<br />
Reloadable VISA® Cards<br />
■■<br />
Online VISA® account management<br />
■■<br />
Fee-Free Balance Transfer Program<br />
Student Loans<br />
■■<br />
<strong>Credit</strong> <strong>Union</strong> Student Choice Certified Undergraduate<br />
Private Education Line of <strong>Credit</strong><br />
Loan Protection Programs<br />
■■<br />
Member Value Protection<br />
■■<br />
Guaranteed Auto Protection<br />
■■<br />
Mechanical Breakdown Protection<br />
Loan Pre-Approval Programs<br />
■■<br />
We offer pre-approvals for vehicle and motorcycle<br />
shopping and mortgages.<br />
Business Deposit Services<br />
■■<br />
Interest-bearing Business Checking Accounts<br />
■■<br />
Business Savings & Money Management Accounts<br />
■■<br />
Business Share Certificates<br />
■■<br />
Express Deposit Services<br />
■■<br />
ACH Origination Services<br />
■■<br />
Remote Deposit Capture<br />
Business Lending<br />
■■<br />
Business loans for Investment Properties, Commercial<br />
Real Estate, Equipment, Commercial Vehicles, Business-<br />
Purpose Vehicles, Lines of <strong>Credit</strong>, Construction, and Land<br />
■■<br />
Merchant Services<br />
■■<br />
Business VISA® <strong>Credit</strong> and Debit Cards<br />
Investment Services<br />
■■<br />
Money Management/Financial Planning<br />
■■<br />
Life Insurance & Long Term Healthcare<br />
■■<br />
Retirement Planning<br />
■■<br />
Investments – Stocks, Bonds, Mutual Funds, Annuities<br />
■■<br />
College Funding<br />
■■<br />
Tax Planning<br />
■■<br />
Estate Planning and Asset Management<br />
Insurance Services<br />
■■<br />
Coverage options range from Personal Automobiles,<br />
Recreational Vehicles, Homeowners, Condominium,<br />
Dwelling Fire, Personal Umbrella, Mobile Home, Flood,<br />
Boats, Wedding, Valuable Items, Renters, Farmowners<br />
and Antique Autos<br />
■■<br />
Petplan® pet insurance<br />
■■<br />
We also offer commercial insurance products.<br />
Electronic Services<br />
■■<br />
Online <strong>Members</strong>hip Application<br />
■■<br />
<strong>Members</strong> <strong>1st</strong> Online (Internet banking)<br />
■■<br />
Cross Account Transfers<br />
■■<br />
EZ Transfer (transfer between financial institutions)<br />
■■<br />
EZ Loan (online loan application)<br />
■■<br />
Bill Payer<br />
■■<br />
Electronic Statements<br />
■■<br />
eAlerts<br />
■■<br />
Check Reordering<br />
■■<br />
Tax Interest Reporting Forms<br />
■■<br />
Address Changes<br />
■■<br />
Courtesy emails notifying you of specific deposits<br />
■■<br />
Direct Deposit, Auto Transfer, Payroll Deduction<br />
■■<br />
Wire Transfers<br />
■■<br />
Foreign Currency Purchase & Exchange<br />
■■<br />
Deposit Anytime Anywhere (deposit checks from home or<br />
with your mobile device)<br />
Telephone and Mobile Banking<br />
■■<br />
EZ Call (24-hour telephone account access)<br />
■■<br />
TeleBranch (Customer Service)<br />
■■<br />
Mobile Banking (mobile device banking with apps for the<br />
iPhone, Android and Blackberry)<br />
Financial Literacy Programs<br />
■■<br />
Free classroom programs for students<br />
■■<br />
In-School Savings Programs<br />
■ ■ “Lunch and Learn” Programs<br />
Member Events<br />
■■<br />
Annual Meeting<br />
■■<br />
Senior Citizens’ Coffee Corner<br />
■■<br />
Free Seminars<br />
■■<br />
Bus Trips<br />
Additional Services<br />
■■<br />
Member Loyalty Rewards<br />
■■<br />
GreenPath Debt Solutions<br />
■■<br />
Free Coin Counter<br />
■■<br />
Storage Boxes & Safe Deposit Boxes<br />
■■<br />
CO-OP ATM Network<br />
■■<br />
No Surcharge ATM Alliance<br />
■■<br />
American Express Travelers Cheques<br />
■■<br />
Money Orders<br />
■■<br />
Annual Education Award<br />
■■<br />
Optional Overdraft Coverage for ATM and Debit Card Purchases<br />
We Put Our <strong>Members</strong> First. www.members<strong>1st</strong>.org 3
Questions & Answers<br />
Do I have to make a deposit to<br />
open my initial account?<br />
To establish your credit union<br />
membership, you simply need to<br />
open a Regular Savings Account. A $5<br />
minimum opening deposit and balance<br />
is required for account owners.<br />
What kind of rewards<br />
programs do you offer?<br />
With Member Loyalty Rewards (MLR)<br />
you benefit with fewer fees, more<br />
free services, reduced consumer loan<br />
rates and bonus certificate rates.<br />
Simply use three of our products and<br />
meet the total balance requirement for<br />
a particular reward level and you<br />
receive those benefits.<br />
We offer four reward levels – Silver,<br />
Gold, Platinum and Titanium. We keep<br />
you apprised of your reward level<br />
on your account statement. To move<br />
up to the next level, simply increase<br />
your account balances by transferring<br />
accounts you may have elsewhere or<br />
using more of what we offer. Levels are<br />
re-evaluated and will change based on<br />
your qualifying products and balances<br />
at the end of each month.<br />
As your relationship with us grows, so do<br />
your rewards. Grouping family members<br />
together who live at your address and<br />
who have accounts with us makes<br />
for greater rewards for all. Everyone’s<br />
balances are added together to make<br />
the rewards more beneficial. Ask for<br />
details and forms at your local branch.<br />
Do you have programs for<br />
youth?<br />
We offer two age-specific clubs for<br />
members birth to 12 (Kids <strong>1st</strong> Club)<br />
and for ages 13 to 19 (iMember Club).<br />
What kind of financial literacy<br />
programs do you offer?<br />
Our LIFE (Looking Into Financial<br />
Education) program provides area<br />
schools with educational programs<br />
geared towards youth of all ages. We<br />
provide classroom discussions and<br />
instruction, job shadowing, credit<br />
union tours, in-school branches and<br />
savings programs, mentoring programs,<br />
sponsorships, and more. For details,<br />
contact our Financial Education<br />
Coordinator at (800) 283-2328, ext. 5433.<br />
When I’m doing my banking<br />
with you, what are my options?<br />
We currently have branches<br />
throughout Southcentral Pennsylvania,<br />
so we’re easily accessible throughout<br />
Adams, Cumberland, Dauphin,<br />
Lancaster, Lebanon, Perry and York<br />
Counties.<br />
If you’re pressed for time, you can<br />
use our electronic or mobile services,<br />
such as <strong>Members</strong> <strong>1st</strong> Online, Bill Payer,<br />
Mobile Banking, Deposit Anytime<br />
Anywhere, TeleBranch (Customer<br />
Service) or EZ Call. We also belong<br />
to the CO-OP ATM Network and<br />
No Surcharge ATM Alliance both of<br />
which provide you with thousands<br />
of surcharge-free ATMs throughout<br />
Pennsylvania and the United States.<br />
We’ll give you the best of both worlds –<br />
bricks and mortar and lots of flexibility<br />
and convenience no matter what time<br />
it is.<br />
Do you offer direct deposit?<br />
We do; however, you need to contact<br />
your payroll administrator for details.<br />
For direct deposit details, visit<br />
www.members<strong>1st</strong>.org or call<br />
(800) 237-7288.<br />
We also have payroll deduction and<br />
automatic transfer.<br />
I have my checking account<br />
elsewhere. Can you help me<br />
switch it?<br />
We can provide you with all of the<br />
forms you need to send to your current<br />
creditors to which you are sending<br />
automatic payments and to your direct<br />
deposit sources.<br />
Do you insure my money?<br />
Yes. Your money is insured by the<br />
National <strong>Credit</strong> <strong>Union</strong> Administration,<br />
an agency of the federal government<br />
up to $250,000 per separately titled<br />
account.<br />
4 <strong>Members</strong> <strong>1st</strong> <strong>Federal</strong> <strong>Credit</strong> <strong>Union</strong> We Put Our <strong>Members</strong> First.
Do you offer any loan<br />
protection services in case I<br />
lose my job?<br />
Member Value Protection gives<br />
you the peace of mind of knowing<br />
that your monthly loan payments<br />
will be cancelled in the event of<br />
death, disability or involuntary<br />
unemployment. Your consumer loan<br />
payment will be cancelled without<br />
penalty, added interest, or being<br />
reported as delinquent to the credit<br />
bureau. Ask your Loan Officer for<br />
details when you apply for your loan.<br />
What if I get transferred, leave<br />
my current job or have to<br />
move out of the immediate<br />
service area? Can I keep my<br />
account(s)?<br />
Once a member, always a member.<br />
Because we have extensive electronic<br />
and mobile services, you can use our<br />
services from anywhere in the world.<br />
We’re accessible by phone, mail,<br />
computer, mobile device or an ATM.<br />
What do you offer for small<br />
businesses?<br />
We offer a full line of loan and deposit<br />
products and services to assist<br />
the small business community of<br />
Southcentral Pennsylvania. For specific<br />
information, go to www.members<strong>1st</strong>.<br />
org, and click “Products & Services,”<br />
followed by “Business Services.” We also<br />
offer commercial insurance.<br />
If I apply for a loan, how fast<br />
will I get an answer?<br />
We can give you an answer in less than<br />
15 minutes on most loans.<br />
What’s the difference<br />
between <strong>Members</strong> <strong>1st</strong><br />
and a bank?<br />
While both credit unions and banks may offer similar products and services (checking,<br />
credit cards, mortgages, etc.), there are differences in how each type of financial<br />
institution operates. Here are the major differences:<br />
Banks<br />
Generate profit for stockholders. Make<br />
decisions based on what will give<br />
stockholders more profit.<br />
Commercial businesses. Offer services to<br />
make a profit.<br />
People who buy stock in the bank own<br />
shares of the business.<br />
Serve customers from the general<br />
public. Anyone can use a bank.<br />
The Board of Directors are paid a salary.<br />
Daily operations are performed by a<br />
paid staff.<br />
Only people who own stock can vote for<br />
the Board of Directors. The customers<br />
who use the bank don’t have a say.<br />
Income is returned to the stockholders<br />
in the form of higher dividends on their<br />
shares of stock.<br />
Like other for-profit businesses, banks<br />
must pay taxes to the government.<br />
Deposits are federally insured up to<br />
$250,000 by the FDIC, a government<br />
agency.<br />
<strong>Credit</strong> <strong>Union</strong>s<br />
Not for profit, not for charity, but for<br />
service. Without a “profit motive,” we<br />
make decisions based on what’s best for<br />
our members.<br />
Financial cooperatives. <strong>Members</strong> pool<br />
their savings to provide low-cost loans<br />
and low-fee services to each other.<br />
Each member is an equal owner.<br />
Exist solely to serve their members. A<br />
person must be within the credit union’s<br />
field of membership, as defined by their<br />
charter, in order to join.<br />
Unpaid volunteers from the<br />
membership serve on the Board of<br />
Directors and guide the credit union.<br />
Daily operations are performed by a<br />
paid staff.<br />
As owners, members elect fellow<br />
members to serve on the Board of<br />
Directors.<br />
Income is returned to members in the<br />
forms of better savings rates, lower loan<br />
rates, and low or no fees for services.<br />
Like other not-for-profit institutions,<br />
credit unions are exempt from paying<br />
federal income tax.<br />
Deposits are federally insured up<br />
to $250,000 by the National <strong>Credit</strong><br />
<strong>Union</strong> Administration, a government<br />
agency. The NCUA’s insurance fund<br />
is the healthiest of all federal deposit<br />
insurance funds.<br />
We Put Our <strong>Members</strong> First. www.members<strong>1st</strong>.org 5
Branches & ATMs<br />
Hours for regular non in-store<br />
branches:<br />
Lobby<br />
Monday through Thursday ..........9 a.m. to 5 p.m.<br />
Friday ...........................9 a.m. to 7 p.m.<br />
Saturday .........................9 a.m. to 2 p.m.<br />
Drive-thru<br />
Monday through Wednesday .......8 a.m. to 6 p.m.<br />
Thursday and Friday ...............8 a.m. to 7 p.m.<br />
Saturday .........................8 a.m. to 2 p.m.<br />
These hours are consistent with most branch locations<br />
unless otherwise noted.<br />
How to find a branch or ATM location near you:<br />
Our easy-to-use online branch and ATM locator will help you find the most<br />
convenient location closest to the zip code or city you enter. We offer<br />
locations throughout Adams, Cumberland, Dauphin, Lancaster, Lebanon,<br />
Perry and York Counties.<br />
Our locator will provide you with the following information:<br />
■■<br />
Distance (in miles) from your selected location<br />
■■<br />
Name, address, and hours of closest locations<br />
■■<br />
Printable directions and road map from your location to the selected<br />
destination<br />
Visit www.members<strong>1st</strong>.org for more information.<br />
How to find surcharge-free ATMs*<br />
Avoid paying surcharges by using a CO-OP Network ATM or a CU$ ATM.<br />
Both networks combined offer you access to thousands of ATMs nationwide.<br />
Simply look for the “triangle” logo and/or the “CU $” logo on the machine.<br />
To find ATMs belonging to these networks, go to www.members<strong>1st</strong>.org, click<br />
“Locations.” Scroll to the bottom of the page and then click on “Surcharge<br />
Free COOP ATMs” or “Surcharge Free CU$ ATMs.”<br />
*Please note: Other fees may apply. <strong>Members</strong> may encounter a surcharge fee charged by the owner<br />
of PLUS ATMs.<br />
Hours for in-store Giant<br />
branches:<br />
Lobby<br />
Monday through Friday ............9 a.m. to 7 p.m.<br />
Saturday .........................9 a.m. to 4 p.m.<br />
Sunday .........................10 a.m. to 4 p.m.<br />
FULL SERVICE BRANCH<br />
LOCATIONS BY COUNTY<br />
* Coin counter service is free for members.<br />
ADAMS county<br />
Gettysburg<br />
■■<br />
105 Chambersburg Street<br />
(near the square in historic Gettysburg)<br />
Lobby, Drive Thru, ATM (depository/cash dispensing)<br />
and drop box.<br />
Lobby<br />
Monday through Thursday ..........9 a.m. to 5 p.m.<br />
Friday ...........................9 a.m. to 6 p.m.<br />
Saturday .........................9 a.m. to 1 p.m.<br />
Drive-thru<br />
Monday through Friday ............8 a.m. to 6 p.m.<br />
Saturday .........................8 a.m. to 1 p.m.<br />
CUMBERLAND county<br />
Camp Hill<br />
■■<br />
3512 Market Street<br />
(near Good Shepherd Catholic School)<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
safe deposit boxes, coin counter and drop box.*<br />
■■<br />
Highmark, Inc. (restricted access)<br />
1800 Center Street<br />
Lobby<br />
Monday through Thursday ..........8 a.m. to 4 p.m.<br />
Friday ...........................7 a.m. to 4 p.m.<br />
Lobby and ATM (depository/cash dispensing) only.<br />
Carlisle<br />
■■<br />
Carlisle Barracks Building 842 (restricted access)<br />
Monday through Friday ............9 a.m. to 5 p.m.<br />
Lobby, ATM (cash dispensing) and drop box.<br />
■■<br />
Carlisle Crossing<br />
321 York Road<br />
(located off of Rt. 74 south of I-81 at shopping center<br />
entrance)<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
safe deposit boxes, coin counter and drop box.*<br />
6 <strong>Members</strong> <strong>1st</strong> <strong>Federal</strong> <strong>Credit</strong> <strong>Union</strong> We Put Our <strong>Members</strong> First.
■■<br />
North Middleton<br />
1711 Spring Road<br />
(on Rt. 34 near Nell’s ShurFine Market)<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
safe deposit boxes, coin counter and drop box.*<br />
■■<br />
1166 Walnut Bottom Road<br />
(near K-mart and Mountz Jewelers)<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
safe deposit boxes, coin counter and drop box.*<br />
■■<br />
814 West High Street<br />
(near Dickinson College Football Field)<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
coin counter and drop box.<br />
Enola<br />
■■<br />
392 E. Penn Drive<br />
(located off of Wertzville Road/Rt. 944, near Giant & CVS)<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
safe deposit boxes, coin counter and drop box.*<br />
Lemoyne<br />
■■<br />
325 South 10th Street<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
coin counter and drop box.*<br />
Mechanicsburg<br />
■■<br />
Administrative Headquarters<br />
(off of Rt. 15 near Hampton Inn)<br />
Rossmoyne Business Center, 5000 Louise Drive,<br />
Mechanicsburg<br />
■■<br />
Rossmoyne Branch<br />
5000 Louise Drive<br />
(off of Rt. 15 near Hampton Inn)<br />
Lobby, Drive-Thru, ATM (depository/cash dispensing),<br />
safe deposit boxes, coin counter and drop box.*<br />
Lobby<br />
Monday through Thursday ..........9 a.m. to 5 p.m.<br />
Friday ...........................9 a.m. to 6 p.m.<br />
Drive-thru<br />
Monday through Friday ............8 a.m. to 6 p.m.<br />
■■<br />
4 Market Plaza Way<br />
(near Sheetz and Bookspan)<br />
Lobby, Drive Thru, ATM service (depository/cash<br />
dispensing), drop box and coin counter.*<br />
■■<br />
6280 Carlisle Pike<br />
(at the intersection of Carlisle Pike and Salem Church<br />
Road)<br />
Lobby, Drive Thru, ATM service (depository/cash<br />
dispensing), safe deposit boxes, coin counter and<br />
drop box.*<br />
■■<br />
Naval Support Activity (restricted access)<br />
Building 310, 5450 Carlisle Pike<br />
Lobby<br />
Monday through Thursday .... 7:30 a.m. to 3:30 p.m.<br />
Base Paydays ............... 7:30 a.m. to 3:45 p.m.<br />
ATM (cash dispensing) and drop box services. ATM<br />
only available during lobby hours.<br />
Newville<br />
■■<br />
91 South High Street<br />
ATM only (depository/cash dispensing).<br />
Shippensburg<br />
■■<br />
401 East King Street<br />
(located near Sheetz)<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
safe deposit boxes, coin counter and drop box.*<br />
DAUPHIN COUNTY<br />
Harrisburg<br />
■■<br />
Capital Blue Cross (restricted access)<br />
2500 Elmerton Avenue<br />
(across from Susquehanna Township High School)<br />
Monday through Friday ...... 8:30 a.m. to 4:30 p.m.<br />
Lobby and ATM (cash dispensing) only.<br />
■■<br />
2792 Old Post Road<br />
(Rt. 39/Linglestown Road, near Giant)<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
storage boxes, coin counter and drop box.*<br />
■■<br />
8100 Derry Street<br />
(near the intersection of Nyes Rd. & Derry Street, behind<br />
Walmart on Rt. 322 near Hershey)<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
safe deposit boxes, coin counter and drop box.*<br />
■■<br />
Strawberry Square<br />
Third & Walnut Streets<br />
Monday through Friday ............8 a.m. to 4 p.m.<br />
Lobby, drop box and ATM (depository/cash dispensing).<br />
■■<br />
<strong>Union</strong> Deposit<br />
1021 Briarsdale Road<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
safe deposit boxes, coin counter and drop box.*<br />
■■<br />
Colonial Park<br />
5400 Allentown Boulevard<br />
(on Route 22 near the Hess station and Advance Auto<br />
Parts)<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
safe deposit boxes, coin counter and drop box.*<br />
Hershey<br />
■■<br />
Hershey Route 322<br />
381 West Governor Road<br />
(near the Ronald McDonald House)<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
storage boxes, coin counter and drop box.*<br />
■■<br />
Hershey Route 39<br />
176 Hershey Road<br />
(located near HersheyPark entrance and Giant Center)<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
safe deposit boxes, coin counter and drop box.*<br />
Middletown<br />
■■<br />
361 East Main Street<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
coin counter and drop box.*<br />
LANCASTER COUNTY<br />
Lancaster<br />
■■<br />
1815 Hempstead Road<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
safe deposit boxes, coin counter and drop box.*<br />
■■<br />
2050 Columbia Avenue<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
coin counter and drop box.*<br />
Lititz<br />
■■<br />
901 Lititz Pike<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
and coin counter.*<br />
Neffsville<br />
■■<br />
2568 Lititz Pike<br />
Lobby, Drive Thru, ATM service (depository/cash<br />
dispensing), storage boxes, coin counter and drop box.*<br />
Willow Street<br />
■■<br />
2538 Willow Street Pike<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
coin counter and drop box.*<br />
LEBANON COUNTY<br />
Lebanon<br />
■■<br />
1940 Quentin Road<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
safe deposit boxes, coin counter and drop box.*<br />
Palmyra<br />
■■<br />
Palmyra Route 422<br />
960 East Main Street, Palmyra<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
safe deposit boxes, coin counter and drop box.*<br />
Perry COUNTY<br />
Duncannon<br />
■■<br />
48 Business Campus Way<br />
(near Mutzabaugh’s Market)<br />
Lobby, Drive-Thru, ATM (depository/cash dispensing),<br />
coin counter and drop box.*<br />
YORK COUNTY<br />
Dillsburg<br />
■■<br />
5 Tristan Drive<br />
(near Giant on Rt. 15)<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
coin counter and drop box.* Also features a business<br />
deposit drop box.<br />
Dover<br />
■■<br />
4000 Carlisle Road<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
coin counter and drop box.*<br />
Etters<br />
■■<br />
350 Newberry Commons<br />
(off of Rt. 83 near Maple Donuts)<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
safe deposit boxes, coin counter and drop box.*<br />
Hanover<br />
■■<br />
1221 Carlisle Street<br />
(located near Pizza Hut)<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
safe deposit boxes, coin counter and drop box.*<br />
(continued on page 8)<br />
We Put Our <strong>Members</strong> First. www.members<strong>1st</strong>.org 7
<strong>Discover</strong><br />
Need more info?<br />
Main Switchboard<br />
(800) 283-2328<br />
TeleBranch (Customer Service)<br />
(800) 237-7288<br />
accountinquiries@members<strong>1st</strong>.org<br />
TDD for the Hearing Impaired<br />
(717) 697-5312<br />
www.members<strong>1st</strong>.org<br />
Administrative Headquarters<br />
5000 Louise Drive, P.O. Box 40<br />
Mechanicsburg, PA 17055<br />
Monday through Friday<br />
9 a.m. to 5 p.m.<br />
No Surcharge ATM Network www.cudollar.org<br />
<strong>Discover</strong> is intended to provide<br />
a broad overview of the credit<br />
union, its products and services and<br />
membership. It is not to be construed<br />
as legal opinion or financial advice.<br />
©2013 <strong>Members</strong> <strong>1st</strong> FCU<br />
Editor: Kimberly Brenner-Zirkle<br />
Marketing Specialist<br />
Managing Editor: Sue Rising<br />
AVP Marketing<br />
For information about becoming<br />
a Select Employer Group and<br />
obtaining free benefits for your<br />
business or organization, contact:<br />
Lisa MacDougall<br />
Account Executive, York County<br />
(800) 283-2328, ext. 5250<br />
Candice Neff<br />
Account Executive, Adams,<br />
Cumberland and Perry Counties<br />
(800) 283-2328, ext. 5783<br />
Greg Melhorn<br />
Account Executive, Lancaster County<br />
(800) 283-2328, ext. 5190<br />
Betsy Devitz<br />
Account Executive, Dauphin &<br />
Lebanon Counties<br />
(800) 283-2328, ext. 6809<br />
South Hanover<br />
■■<br />
1680 Baltimore Pike<br />
(just past the Grandview Shopping Center)<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
storage boxes, coin counter and drop box.*<br />
York<br />
■■<br />
2145 White Street<br />
(located near York Fairgrounds)<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
safe deposit boxes, coin counter and drop box.*<br />
■■<br />
2360 Whiteford Road<br />
(near Galleria Mall off of Rt. 30)<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
storage boxes, coin counter and drop box.*<br />
■■<br />
2420 Mt. Rose Avenue<br />
(located off exit 18 of Route 83)<br />
Lobby, Drive Thru, ATM (depository/cash dispensing),<br />
coin counter and drop box.*<br />
In-School Branch<br />
Locations By County<br />
These branch locations are accessible<br />
to students and staff only.<br />
Cumberland<br />
■■<br />
Carlisle Area High School<br />
623 W. Penn Street<br />
■■<br />
Mechanicsburg Area High School<br />
500 S. Broad Street<br />
Dauphin<br />
■■<br />
Milton Hershey School<br />
Branch – Learning Resource Center, 840 Spartan Lane,<br />
Hershey<br />
ATM – Founders Hall, 801 Spartan Lane, Hershey<br />
■■<br />
SciTech High School<br />
215 Market Street, Harrisburg<br />
■■<br />
Susquehanna Township High School<br />
3500 Elmerton Avenue, Harrisburg<br />
York<br />
■■<br />
Northern High School<br />
653 South Baltimore Street, Dillsburg<br />
In-Store Giant Branch<br />
LOCATIONS BY COUNTY<br />
These branches feature Lobby<br />
and ATM service (depository/cash<br />
dispensing).<br />
Adams<br />
■■<br />
Gettysburg Giant<br />
44 D Natural Springs Road<br />
Drop box available.<br />
Cumberland<br />
■■<br />
Carlisle Giant<br />
255 S. Spring Garden Street<br />
Drop box available.<br />
Dauphin<br />
■■<br />
Linglestown Giant<br />
2300 Linglestown Road, Harrisburg<br />
Drop box available.<br />
Lancaster<br />
■■<br />
Lancaster Shopping Center Giant<br />
1605 Lititz Pike, Lancaster<br />
Drop box available.<br />
York<br />
■■<br />
Manchester Giant<br />
205 Glen Drive, Manchester<br />
■■<br />
East Market Street Giant<br />
2415 East Market Street, York<br />
Drop box available.<br />
■■<br />
New Cumberland Giant<br />
130 Old York Road, New Cumberland<br />
Drop box available.<br />
■■<br />
Pauline Drive Giant<br />
275 Pauline Drive, York<br />
Drop box available.<br />
■■<br />
Red Lion Giant<br />
3175 Cape Horn Road, Red Lion<br />
Drop box available.<br />
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<strong>Federal</strong>ly insured by NCUA.<br />
We do business in accordance with<br />
the <strong>Federal</strong> Fair Housing Law and<br />
Equal <strong>Credit</strong> Opportunity Act.<br />
We’re Simply the Best <strong>Credit</strong> <strong>Union</strong> for 9 years in a row!<br />
2010<br />
2011<br />
8 <strong>Members</strong> <strong>1st</strong> <strong>Federal</strong> <strong>Credit</strong> <strong>Union</strong> We Put Our <strong>Members</strong> First.<br />
mbrs1 300-76<br />
rev. 4/13