Discover - Members 1st Federal Credit Union

Discover 

Spring 2013 

A Publication for Prospective Members 

We Put Our Members First.

Open your 

account today: 

If your employer, organization, 

school or church offers 

membership with us as a free 

benefit, then as an employee, 

member or volunteer, you are 

eligible to open an account. 

We also extend credit union 

membership to your immediate 

family, including spouse, child, 

sibling, parent, grandparent, 

grandchild, stepparent, stepchild, 

stepsibling, legal guardian, 

or adoptive relationships. In 

addition, anyone who lives in the 

same residence and represents 

a single economic unit such as 

those in a permanent domestic 

partnership is eligible to join. 

Fraternities, sororities, apartment 

or condominium complexes do 

not qualify. 

Membership questions may be 

directed to a branch near you or 

call (800) 237-7288. 

Online membership 

application: 

Available on www.members1st.org. 

Our Mission: 

To serve our community and 

partner with our members to 

offer value-added financial 

products, services, solutions, 

and no-compromise member 

service by: 

We put our 

members first. 

We appreciate your interest in Members 1st Federal Credit Union 

and we look forward to doing business with you. 

We know it’s not easy starting a new relationship with a financial 

institution. Rest assured, we combine old-fashioned personal 

service with cutting-edge technology to provide you with the 

perfect package of financial products and services. We’re not 

“Members 1st” only in name but also in practice, hence our motto, 

“We Put Our Members First.” 

We’re different from other financial institutions. To learn more about what those 

differences are, please turn to page 5 of this publication. As a member-owned 

financial institution, we don’t pay out big dividends to stockholders. That means we 

reward you with better interest rates on your deposits and lower interest rates on 

your loans. You benefit from our success. 

We’ve been locally owned and operated since 1950 and we’re not going to be bought 

out by another financial institution. Our associates are your friends and neighbors. We 

know the local community and pride ourselves in giving our time and resources to 

improve the quality of life in Southcentral Pennsylvania. 

We invite you to learn more about us through our Web site at www.members1st.org 

or visit one of our conveniently located branches. We welcome the privilege of 

providing you with customized financial products and services to meet your personal 

and business financial needs. 

Bob Marquette 

President & CEO 

• Delivering unparalleled 

experiences. 

• Providing resources and 

leadership to enhance our 

community presence. 

• Ensuring opportunities 

for associates’ professional 

development. 

2 Members 1st Federal Credit Union We Put Our Members First.

Products & Services 

We offer products and services to help you manage both your personal and 

business accounts. For additional details, visit www.members1st.org or stop 

by your local branch. 

Savings 

■■ 

Regular Share Savings 

■■ 

Holiday Club 

■■ 

Vacation Club 

■■ 

Youth Club 

■■ 

Supplemental Savings 

■■ 

Money Management Account 

■■ 

Share Certificates (3 to 60 month terms) 

■■ 

Trust Accounts 

■■ 

Uniform Transfers/Gifts to Minors Account 

Rewards Checking 

■■ 

Debit Card (with Swipe 5 ® cash-back rebates and option to 

select your own card design) 

■■ 

Dividends (interest) paid on average monthly balances 

of $2,500 or more 

■■ 

Overdraft Protection 

■■ 

No per-check or monthly service fees 

Retirement Savings 

■■ 

IRA Savings Accounts 

■■ 

IRA Certificates (Traditional and Roth, 3- to 60-month terms) 

■■ 

Coverdell Education IRA Savings Account 

■■ 

Health Savings Account 

Loans 

■■ 

New and Used Vehicle Loans 

■■ 

Auto Equity Loans 

■■ 

Second Chance Car Loans 

■■ 

Mobile Home Loans 

■■ 

Signature Loans 

■■ 

Personal Line of Credit 

■■ 

On-The-Spot Auto and RV Loan Program 

■■ 

Motorcycle Loans 

■■ 

Boat Loans 

■■ 

Recreational Vehicle Loans 

■■ 

Consumer Financing Program 

Mortgages & Home Equity 

■■ 

Unimproved Land Loans 

■■ 

Construction Loans 

■■ 

First Mortgages & Mortgage Refinancing 

■■ 

Home Equity Loans & Lines of Credit 

VISA® Credit Card 

■■ 

VISA® Platinum Cash Back Credit Card 

■■ 

VISA® Platinum Points Credit Card 

■■ 

VISA® Platinum Select Credit Card 

■■ 

VISA® Platinum Secured Credit Card 

■■ 

VISA® Internationl EMV/Chip Reloadable Prepaid Card 

■■ 

VISA® Gift Cards 

■■ 

Reloadable VISA® Cards 

■■ 

Online VISA® account management 

■■ 

Fee-Free Balance Transfer Program 

Student Loans 

■■ 

Credit Union Student Choice Certified Undergraduate 

Private Education Line of Credit 

Loan Protection Programs 

■■ 

Member Value Protection 

■■ 

Guaranteed Auto Protection 

■■ 

Mechanical Breakdown Protection 

Loan Pre-Approval Programs 

■■ 

We offer pre-approvals for vehicle and motorcycle 

shopping and mortgages. 

Business Deposit Services 

■■ 

Interest-bearing Business Checking Accounts 

■■ 

Business Savings & Money Management Accounts 

■■ 

Business Share Certificates 

■■ 

Express Deposit Services 

■■ 

ACH Origination Services 

■■ 

Remote Deposit Capture 

Business Lending 

■■ 

Business loans for Investment Properties, Commercial 

Real Estate, Equipment, Commercial Vehicles, Business- 

Purpose Vehicles, Lines of Credit, Construction, and Land 

■■ 

Merchant Services 

■■ 

Business VISA® Credit and Debit Cards 

Investment Services 

■■ 

Money Management/Financial Planning 

■■ 

Life Insurance & Long Term Healthcare 

■■ 

Retirement Planning 

■■ 

Investments – Stocks, Bonds, Mutual Funds, Annuities 

■■ 

College Funding 

■■ 

Tax Planning 

■■ 

Estate Planning and Asset Management 

Insurance Services 

■■ 

Coverage options range from Personal Automobiles, 

Recreational Vehicles, Homeowners, Condominium, 

Dwelling Fire, Personal Umbrella, Mobile Home, Flood, 

Boats, Wedding, Valuable Items, Renters, Farmowners 

and Antique Autos 

■■ 

Petplan® pet insurance 

■■ 

We also offer commercial insurance products. 

Electronic Services 

■■ 

Online Membership Application 

■■ 

Members 1st Online (Internet banking) 

■■ 

Cross Account Transfers 

■■ 

EZ Transfer (transfer between financial institutions) 

■■ 

EZ Loan (online loan application) 

■■ 

Bill Payer 

■■ 

Electronic Statements 

■■ 

eAlerts 

■■ 

Check Reordering 

■■ 

Tax Interest Reporting Forms 

■■ 

Address Changes 

■■ 

Courtesy emails notifying you of specific deposits 

■■ 

Direct Deposit, Auto Transfer, Payroll Deduction 

■■ 

Wire Transfers 

■■ 

Foreign Currency Purchase & Exchange 

■■ 

Deposit Anytime Anywhere (deposit checks from home or 

with your mobile device) 

Telephone and Mobile Banking 

■■ 

EZ Call (24-hour telephone account access) 

■■ 

TeleBranch (Customer Service) 

■■ 

Mobile Banking (mobile device banking with apps for the 

iPhone, Android and Blackberry) 

Financial Literacy Programs 

■■ 

Free classroom programs for students 

■■ 

In-School Savings Programs 

■ ■ “Lunch and Learn” Programs 

Member Events 

■■ 

Annual Meeting 

■■ 

Senior Citizens’ Coffee Corner 

■■ 

Free Seminars 

■■ 

Bus Trips 

Additional Services 

■■ 

Member Loyalty Rewards 

■■ 

GreenPath Debt Solutions 

■■ 

Free Coin Counter 

■■ 

Storage Boxes & Safe Deposit Boxes 

■■ 

CO-OP ATM Network 

■■ 

No Surcharge ATM Alliance 

■■ 

American Express Travelers Cheques 

■■ 

Money Orders 

■■ 

Annual Education Award 

■■ 

Optional Overdraft Coverage for ATM and Debit Card Purchases 

We Put Our Members First. www.members1st.org 3

Questions & Answers 

Do I have to make a deposit to 

open my initial account? 

To establish your credit union 

membership, you simply need to 

open a Regular Savings Account. A $5 

minimum opening deposit and balance 

is required for account owners. 

What kind of rewards 

programs do you offer? 

With Member Loyalty Rewards (MLR) 

you benefit with fewer fees, more 

free services, reduced consumer loan 

rates and bonus certificate rates. 

Simply use three of our products and 

meet the total balance requirement for 

a particular reward level and you 

receive those benefits. 

We offer four reward levels – Silver, 

Gold, Platinum and Titanium. We keep 

you apprised of your reward level 

on your account statement. To move 

up to the next level, simply increase 

your account balances by transferring 

accounts you may have elsewhere or 

using more of what we offer. Levels are 

re-evaluated and will change based on 

your qualifying products and balances 

at the end of each month. 

As your relationship with us grows, so do 

your rewards. Grouping family members 

together who live at your address and 

who have accounts with us makes 

for greater rewards for all. Everyone’s 

balances are added together to make 

the rewards more beneficial. Ask for 

details and forms at your local branch. 

Do you have programs for 

youth? 

We offer two age-specific clubs for 

members birth to 12 (Kids 1st Club) 

and for ages 13 to 19 (iMember Club). 

What kind of financial literacy 

programs do you offer? 

Our LIFE (Looking Into Financial 

Education) program provides area 

schools with educational programs 

geared towards youth of all ages. We 

provide classroom discussions and 

instruction, job shadowing, credit 

union tours, in-school branches and 

savings programs, mentoring programs, 

sponsorships, and more. For details, 

contact our Financial Education 

Coordinator at (800) 283-2328, ext. 5433. 

When I’m doing my banking 

with you, what are my options? 

We currently have branches 

throughout Southcentral Pennsylvania, 

so we’re easily accessible throughout 

Adams, Cumberland, Dauphin, 

Lancaster, Lebanon, Perry and York 

Counties. 

If you’re pressed for time, you can 

use our electronic or mobile services, 

such as Members 1st Online, Bill Payer, 

Mobile Banking, Deposit Anytime 

Anywhere, TeleBranch (Customer 

Service) or EZ Call. We also belong 

to the CO-OP ATM Network and 

No Surcharge ATM Alliance both of 

which provide you with thousands 

of surcharge-free ATMs throughout 

Pennsylvania and the United States. 

We’ll give you the best of both worlds – 

bricks and mortar and lots of flexibility 

and convenience no matter what time 

it is. 

Do you offer direct deposit? 

We do; however, you need to contact 

your payroll administrator for details. 

For direct deposit details, visit 

www.members1st.org or call 

(800) 237-7288. 

We also have payroll deduction and 

automatic transfer. 

I have my checking account 

elsewhere. Can you help me 

switch it? 

We can provide you with all of the 

forms you need to send to your current 

creditors to which you are sending 

automatic payments and to your direct 

deposit sources. 

Do you insure my money? 

Yes. Your money is insured by the 

National Credit Union Administration, 

an agency of the federal government 

up to $250,000 per separately titled 

account. 


Do you offer any loan 

protection services in case I 

lose my job? 

Member Value Protection gives 

you the peace of mind of knowing 

that your monthly loan payments 

will be cancelled in the event of 

death, disability or involuntary 

unemployment. Your consumer loan 

payment will be cancelled without 

penalty, added interest, or being 

reported as delinquent to the credit 

bureau. Ask your Loan Officer for 

details when you apply for your loan. 

What if I get transferred, leave 

my current job or have to 

move out of the immediate 

service area? Can I keep my 

account(s)? 

Once a member, always a member. 

Because we have extensive electronic 

and mobile services, you can use our 

services from anywhere in the world. 

We’re accessible by phone, mail, 

computer, mobile device or an ATM. 

What do you offer for small 

businesses? 

We offer a full line of loan and deposit 

products and services to assist 

the small business community of 

Southcentral Pennsylvania. For specific 

information, go to www.members1st. 

org, and click “Products & Services,” 

followed by “Business Services.” We also 

offer commercial insurance. 

If I apply for a loan, how fast 

will I get an answer? 

We can give you an answer in less than 

15 minutes on most loans. 

What’s the difference 

between Members 1st 

and a bank? 

While both credit unions and banks may offer similar products and services (checking, 

credit cards, mortgages, etc.), there are differences in how each type of financial 

institution operates. Here are the major differences: 

Banks 

Generate profit for stockholders. Make 

decisions based on what will give 

stockholders more profit. 

Commercial businesses. Offer services to 

make a profit. 

People who buy stock in the bank own 

shares of the business. 

Serve customers from the general 

public. Anyone can use a bank. 

The Board of Directors are paid a salary. 

Daily operations are performed by a 

paid staff. 

Only people who own stock can vote for 

the Board of Directors. The customers 

who use the bank don’t have a say. 

Income is returned to the stockholders 

in the form of higher dividends on their 

shares of stock. 

Like other for-profit businesses, banks 

must pay taxes to the government. 

Deposits are federally insured up to 

$250,000 by the FDIC, a government 

agency. 

Credit Unions 

Not for profit, not for charity, but for 

service. Without a “profit motive,” we 

make decisions based on what’s best for 

our members. 

Financial cooperatives. Members pool 

their savings to provide low-cost loans 

and low-fee services to each other. 

Each member is an equal owner. 

Exist solely to serve their members. A 

person must be within the credit union’s 

field of membership, as defined by their 

charter, in order to join. 

Unpaid volunteers from the 

membership serve on the Board of 

Directors and guide the credit union. 

Daily operations are performed by a 

paid staff. 

As owners, members elect fellow 

members to serve on the Board of 

Directors. 

Income is returned to members in the 

forms of better savings rates, lower loan 

rates, and low or no fees for services. 

Like other not-for-profit institutions, 

credit unions are exempt from paying 

federal income tax. 

Deposits are federally insured up 

to $250,000 by the National Credit 

Union Administration, a government 

agency. The NCUA’s insurance fund 

is the healthiest of all federal deposit 

insurance funds. 


Branches & ATMs 

Hours for regular non in-store 

branches: 

Lobby 

Monday through Thursday ..........9 a.m. to 5 p.m. 

Friday ...........................9 a.m. to 7 p.m. 

Saturday .........................9 a.m. to 2 p.m. 

Drive-thru 

Monday through Wednesday .......8 a.m. to 6 p.m. 

Thursday and Friday ...............8 a.m. to 7 p.m. 


These hours are consistent with most branch locations 

unless otherwise noted. 

How to find a branch or ATM location near you: 

Our easy-to-use online branch and ATM locator will help you find the most 

convenient location closest to the zip code or city you enter. We offer 

locations throughout Adams, Cumberland, Dauphin, Lancaster, Lebanon, 

Perry and York Counties. 

Our locator will provide you with the following information: 

■■ 

Distance (in miles) from your selected location 

■■ 

Name, address, and hours of closest locations 

■■ 

Printable directions and road map from your location to the selected 

destination 

Visit www.members1st.org for more information. 

How to find surcharge-free ATMs* 

Avoid paying surcharges by using a CO-OP Network ATM or a CU$ ATM. 

Both networks combined offer you access to thousands of ATMs nationwide. 

Simply look for the “triangle” logo and/or the “CU $” logo on the machine. 

To find ATMs belonging to these networks, go to www.members1st.org, click 

“Locations.” Scroll to the bottom of the page and then click on “Surcharge 

Free COOP ATMs” or “Surcharge Free CU$ ATMs.” 

*Please note: Other fees may apply. Members may encounter a surcharge fee charged by the owner 

of PLUS ATMs. 

Hours for in-store Giant 

branches: 

Lobby 

Monday through Friday ............9 a.m. to 7 p.m. 


Sunday .........................10 a.m. to 4 p.m. 

FULL SERVICE BRANCH 

LOCATIONS BY COUNTY 

* Coin counter service is free for members. 

ADAMS county 

Gettysburg 

■■ 

105 Chambersburg Street 

(near the square in historic Gettysburg) 

Lobby, Drive Thru, ATM (depository/cash dispensing) 

and drop box. 

Lobby 


Friday ...........................9 a.m. to 6 p.m. 


Drive-thru 



CUMBERLAND county 

Camp Hill 

■■ 

3512 Market Street 

(near Good Shepherd Catholic School) 

Lobby, Drive Thru, ATM (depository/cash dispensing), 

safe deposit boxes, coin counter and drop box.* 

■■ 

Highmark, Inc. (restricted access) 

1800 Center Street 

Lobby 


Friday ...........................7 a.m. to 4 p.m. 

Lobby and ATM (depository/cash dispensing) only. 

Carlisle 

■■ 

Carlisle Barracks Building 842 (restricted access) 


Lobby, ATM (cash dispensing) and drop box. 

■■ 

Carlisle Crossing 

321 York Road 

(located off of Rt. 74 south of I-81 at shopping center 

entrance) 




■■ 

North Middleton 

1711 Spring Road 

(on Rt. 34 near Nell’s ShurFine Market) 



■■ 

1166 Walnut Bottom Road 

(near K-mart and Mountz Jewelers) 



■■ 

814 West High Street 

(near Dickinson College Football Field) 


coin counter and drop box. 

Enola 

■■ 

392 E. Penn Drive 

(located off of Wertzville Road/Rt. 944, near Giant & CVS) 



Lemoyne 

■■ 

325 South 10th Street 


coin counter and drop box.* 

Mechanicsburg 

■■ 

Administrative Headquarters 

(off of Rt. 15 near Hampton Inn) 

Rossmoyne Business Center, 5000 Louise Drive, 

Mechanicsburg 

■■ 

Rossmoyne Branch 

5000 Louise Drive 

(off of Rt. 15 near Hampton Inn) 

Lobby, Drive-Thru, ATM (depository/cash dispensing), 


Lobby 


Friday ...........................9 a.m. to 6 p.m. 

Drive-thru 


■■ 

4 Market Plaza Way 

(near Sheetz and Bookspan) 

Lobby, Drive Thru, ATM service (depository/cash 

dispensing), drop box and coin counter.* 

■■ 

6280 Carlisle Pike 

(at the intersection of Carlisle Pike and Salem Church 

Road) 


dispensing), safe deposit boxes, coin counter and 

drop box.* 

■■ 

Naval Support Activity (restricted access) 

Building 310, 5450 Carlisle Pike 

Lobby 

Monday through Thursday .... 7:30 a.m. to 3:30 p.m. 

Base Paydays ............... 7:30 a.m. to 3:45 p.m. 

ATM (cash dispensing) and drop box services. ATM 

only available during lobby hours. 

Newville 

■■ 

91 South High Street 

ATM only (depository/cash dispensing). 

Shippensburg 

■■ 

401 East King Street 

(located near Sheetz) 



DAUPHIN COUNTY 

Harrisburg 

■■ 

Capital Blue Cross (restricted access) 

2500 Elmerton Avenue 

(across from Susquehanna Township High School) 

Monday through Friday ...... 8:30 a.m. to 4:30 p.m. 

Lobby and ATM (cash dispensing) only. 

■■ 

2792 Old Post Road 

(Rt. 39/Linglestown Road, near Giant) 


storage boxes, coin counter and drop box.* 

■■ 

8100 Derry Street 

(near the intersection of Nyes Rd. & Derry Street, behind 

Walmart on Rt. 322 near Hershey) 



■■ 

Strawberry Square 

Third & Walnut Streets 


Lobby, drop box and ATM (depository/cash dispensing). 

■■ 

Union Deposit 

1021 Briarsdale Road 



■■ 

Colonial Park 

5400 Allentown Boulevard 

(on Route 22 near the Hess station and Advance Auto 

Parts) 



Hershey 

■■ 

Hershey Route 322 

381 West Governor Road 

(near the Ronald McDonald House) 



■■ 

Hershey Route 39 

176 Hershey Road 

(located near HersheyPark entrance and Giant Center) 



Middletown 

■■ 

361 East Main Street 



LANCASTER COUNTY 

Lancaster 

■■ 

1815 Hempstead Road 



■■ 

2050 Columbia Avenue 



Lititz 

■■ 

901 Lititz Pike 


and coin counter.* 

Neffsville 

■■ 

2568 Lititz Pike 


dispensing), storage boxes, coin counter and drop box.* 

Willow Street 

■■ 

2538 Willow Street Pike 



LEBANON COUNTY 

Lebanon 

■■ 

1940 Quentin Road 



Palmyra 

■■ 

Palmyra Route 422 

960 East Main Street, Palmyra 



Perry COUNTY 

Duncannon 

■■ 

48 Business Campus Way 

(near Mutzabaugh’s Market) 

Lobby, Drive-Thru, ATM (depository/cash dispensing), 


YORK COUNTY 

Dillsburg 

■■ 

5 Tristan Drive 

(near Giant on Rt. 15) 


coin counter and drop box.* Also features a business 

deposit drop box. 

Dover 

■■ 

4000 Carlisle Road 



Etters 

■■ 

350 Newberry Commons 

(off of Rt. 83 near Maple Donuts) 



Hanover 

■■ 

1221 Carlisle Street 

(located near Pizza Hut) 



(continued on page 8) 


Discover 

Need more info? 

Main Switchboard 

(800) 283-2328 

TeleBranch (Customer Service) 

(800) 237-7288 

accountinquiries@members1st.org 

TDD for the Hearing Impaired 

(717) 697-5312 

www.members1st.org 

Administrative Headquarters 

5000 Louise Drive, P.O. Box 40 

Mechanicsburg, PA 17055 

Monday through Friday 

9 a.m. to 5 p.m. 

No Surcharge ATM Network www.cudollar.org 

Discover is intended to provide 

a broad overview of the credit 

union, its products and services and 

membership. It is not to be construed 

as legal opinion or financial advice. 

©2013 Members 1st FCU 

Editor: Kimberly Brenner-Zirkle 

Marketing Specialist 

Managing Editor: Sue Rising 

AVP Marketing 

For information about becoming 

a Select Employer Group and 

obtaining free benefits for your 

business or organization, contact: 

Lisa MacDougall 

Account Executive, York County 

(800) 283-2328, ext. 5250 

Candice Neff 

Account Executive, Adams, 

Cumberland and Perry Counties 

(800) 283-2328, ext. 5783 

Greg Melhorn 

Account Executive, Lancaster County 

(800) 283-2328, ext. 5190 

Betsy Devitz 

Account Executive, Dauphin & 

Lebanon Counties 

(800) 283-2328, ext. 6809 

South Hanover 

■■ 

1680 Baltimore Pike 

(just past the Grandview Shopping Center) 



York 

■■ 

2145 White Street 

(located near York Fairgrounds) 



■■ 

2360 Whiteford Road 

(near Galleria Mall off of Rt. 30) 



■■ 

2420 Mt. Rose Avenue 

(located off exit 18 of Route 83) 



In-School Branch 

Locations By County 

These branch locations are accessible 

to students and staff only. 

Cumberland 

■■ 

Carlisle Area High School 

623 W. Penn Street 

■■ 

Mechanicsburg Area High School 

500 S. Broad Street 

Dauphin 

■■ 

Milton Hershey School 

Branch – Learning Resource Center, 840 Spartan Lane, 

Hershey 

ATM – Founders Hall, 801 Spartan Lane, Hershey 

■■ 

SciTech High School 

215 Market Street, Harrisburg 

■■ 

Susquehanna Township High School 

3500 Elmerton Avenue, Harrisburg 

York 

■■ 

Northern High School 

653 South Baltimore Street, Dillsburg 

In-Store Giant Branch 

LOCATIONS BY COUNTY 

These branches feature Lobby 

and ATM service (depository/cash 

dispensing). 

Adams 

■■ 

Gettysburg Giant 

44 D Natural Springs Road 

Drop box available. 

Cumberland 

■■ 

Carlisle Giant 

255 S. Spring Garden Street 


Dauphin 

■■ 

Linglestown Giant 

2300 Linglestown Road, Harrisburg 


Lancaster 

■■ 

Lancaster Shopping Center Giant 

1605 Lititz Pike, Lancaster 


York 

■■ 

Manchester Giant 

205 Glen Drive, Manchester 

■■ 

East Market Street Giant 

2415 East Market Street, York 


■■ 

New Cumberland Giant 

130 Old York Road, New Cumberland 


■■ 

Pauline Drive Giant 

275 Pauline Drive, York 


■■ 

Red Lion Giant 

3175 Cape Horn Road, Red Lion 


Printed on recycled paper. 

Federally insured by NCUA. 

We do business in accordance with 

the Federal Fair Housing Law and 

Equal Credit Opportunity Act. 

We’re Simply the Best Credit Union for 9 years in a row! 

2010 

2011 

8 Members 1st Federal Credit Union We Put Our Members First. 

mbrs1 300-76 

rev. 4/13

Discover - Members 1st Federal Credit Union

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