Discover - Members 1st Federal Credit Union
Discover - Members 1st Federal Credit Union
Discover - Members 1st Federal Credit Union
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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 />
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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 />
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Auto Equity Loans<br />
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Second Chance Car Loans<br />
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Mobile Home Loans<br />
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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 />
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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
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