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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 />

Printed on recycled paper.<br />

<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

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