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5000 Louise Dr
Mechanicsburg, PA 17055-4899

Members 1St Credit Union is headquartered in Mechanicsburg and is the 3rd largest credit union in the state of Pennsylvania. It is also the 52nd largest credit union in the nation. It was established in 1950 and as of March of 2014, it had grown to 721 employees and 262,088 members. Members 1St Credit Union has a B+ health rating.

Field of Membership Restrictions

In order to open an account with us your employer, organization, school or church needs to be affiliated with us as a Select Employer Group. If that is not the case then you must be a relative of someone who is already a member. You may also open an account by having an affiliation with the Antique Automobile Club of America, the Army Heritage Center Foundation, The Railroad Museum of PA or the Landis Valley Village and Farm Museum. - See Details

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Reviews (2)

A great company to work with

Members First FCU has many branches. They have competitive loan rates and unmatched interest rates on savings accounts. There staff has been more than helpful whenever I have had a problem or misplaced my check card. They have recently redone their website which still lacks the features of some national chains, such as virtual wallet, but is a significant step forward.


I never had an issue with Members 1st until recently. They absolutely refuse to correct a mistake on their part - instead, they have chosen the path of trying to cover their mistake instead of putting me, a member for 20 years, FIRST.

That slogan of Members 1st is just a ploy to get your business. They only care about themselves and won't even admit to their mistakes.

Would never recommend this credit union to anyone.

I had to pick 1 star in order to post this message. But would give this credit union 0 stars.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Members 1St Credit Union had $18.58 million in non-current loans and owned real-estate with $223.9 million in equity and loan loss allowances on hand to cover it. This gives Members 1St Credit Union a Texas Ratio of 8.30% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Members 1St Credit Union decreased slightly from 10.48% as of March 31, 2013 to 8.30% as of March 31, 2014, resulting in a positive change of 20.79%.This indicates that the balance sheet and financial strength for Members 1St Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Members 1St Credit Union has increased its total deposits by $171.82 million, resulting in 7.91% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Members 1St Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Members 1St Credit Union has $2.63 billion in assets with $223.9 million in equity, resulting in a capitalization level of 8.51%, which is average.

Institution Statistics

NCUA #6694
Year Chartered1950
Primary Regulator
Assets and Liabilities
Assets$2.63 billion
Loans$1.88 billion
Deposits$2.35 billion
Equity Capital$210.77 million
Loan Loss Allowance$13.12 million
Unbacked Noncurrent Loans$17.04 million
Real Estate Owned$1.54 million
Historic Data - March 2013
Assets$2.41 billion
Equity Capital$194.20 million
Loan Loss Allowance$12.01 million
Unbacked Noncurrent Loans$17.04 million
Real Estate Owned$2.36 million
Profit Margin - Quarterly
Net Interest Margin1.08%
Return on Assets0.64%
Return on Equity7.92%
Interest Income$24.42 million

Always verify rates and promotions with the bank or credit union. We are not Members 1St Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Members 1St Credit Union Savings Account Rates

0.35%$250k-IRA Savings
0.35%$250k-Roth IRA Savings
0.35%$250k-CESA Savings
0.20%$5k-Health Savings Account
0.15%--Holiday Club
0.15%--Vacation Club
0.10%--Regular Savings Account
0.10%--Savings Account (Members under 22)
0.10%--Kids 1st Club
0.10%--Supplemental Savings
0.10%--iMember Account

Members 1St Credit Union Money Market Rates

0.35%$250k-Money Management Account

Members 1St Credit Union Checking Account Rates

0.05%--Checking Account

Members 1St Credit Union CD Rates

1.25%$500-24 Month CD
1.06%$100k-60 Month CD
0.75%$100k-48 Month CD
0.55%$100k-36 Month CD
0.55%$500-11 Month CD
0.50%$500-48 Month Bump Up CD
0.40%$100k-30 Month CD
0.35%$100k-18 Month CD
0.30%$100k-12 Month CD
0.25%$100k-6 Month CD
0.20%$500-24 Month Add On CD
0.20%$500-24 Month Bump Up CD
0.20%$5k-9 Month CD No Penalty
0.20%$100k-3 Month CD
0.15%$500-12 Month Bump Up CD
0.15%$100-12 Month Add On CD

Members 1St Credit Union IRA Rates

1.25%$500-24 Month IRA
1.06%$100k-60 Month IRA
0.75%$100k-48 Month IRA
0.55%$100k-36 Month IRA
0.55%$500-11 Month IRA
0.50%$500-48 Month Bump Up IRA
0.40%$100k-30 Month IRA
0.35%$100k-18 Month IRA
0.30%$100k-12 Month IRA
0.25%$100k-6 Month IRA
0.20%$100k-3 Month IRA
0.20%$500-24 Month Bump Up IRA
0.20%$5k-9 Month IRA No Penalty
0.15%$500-12 Month Bump Up IRA

Members 1St Credit Union has 48 locations. Click to view all Members 1St Credit Union locations.