Members 1St Credit Union

5000 Louise Dr
Mechanicsburg, PA 17055
(800) 283-2328
www.members1st.org

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Members 1St Credit Union is headquartered in Mechanicsburg and is the 3^rd largest credit union in the state of Pennsylvania. It is also the 58^th largest credit union in the nation. It was established in 1950 and as of December of 2012, it had grown to 649 employees and 230,009 members. Members 1St Credit Union has a 4-star health rating.

6.00% 6-Month CD at a Vermont CU (Members 1st) - 8/26/2007

Members 1st Credit Union is advertising a 6.00% APY 6-month certificate of deposit. The minimum deposit is $5,000. I wasn't able to find the credit union's website. The CD was advertised in the Bennington Banner newspaper. The ad is available online...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Members 1St Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.05%	-	-	Checking Account

Members 1St Credit Union Savings Account Rates

Apy	Min	Max	Product
0.40%	$250k	-	IRA Savings
0.40%	$250k	-	Roth IRA Savings
0.40%	$250k	-	CESA Savings
0.25%	$5k	-	Health Savings Account
0.20%	-	-	Holiday Club
0.20%	-	-	Vacation Club
0.15%	-	-	Regular Savings Account
0.15%	-	-	Savings Account (Members under 22)
0.15%	-	-	Kids 1st Club
0.15%	-	-	Supplemental Savings
0.15%	-	-	iMember Account

Members 1St Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.40%	$250k	-	Money Management Account

Members 1St Credit Union CD Rates

Apy	Min	Max	Product
1.25%	$100k	-	60 Month CD
0.90%	$100k	-	48 Month CD
0.80%	$500	-	19 Month CD
0.65%	$500	-	48 Month Bump Up CD
0.65%	$100k	-	36 Month CD
0.55%	$100k	-	30 Month CD
0.50%	$100k	-	24 Month CD
0.50%	$500	-	11 Month CD
0.45%	$100k	-	18 Month CD
0.40%	$100k	-	12 Month CD
0.30%	$100k	-	6 Month CD
0.25%	$500	-	24 Month Add On CD
0.25%	$500	-	24 Month Bump Up CD
0.25%	$5k	-	9 Month CD No Penalty
0.25%	$100k	-	3 Month CD
0.20%	$500	-	12 Month Bump Up CD
0.20%	$100	-	12 Month Add On CD

Members 1St Credit Union IRA Rates

Apy	Min	Max	Product
1.25%	$100k	-	60 Month IRA
1.25%	$100k	-	60 Month Roth IRA
1.25%	$100k	-	60 Month CESA
0.90%	$100k	-	48 Month IRA
0.90%	$100k	-	48 Month Roth IRA
0.90%	$100k	-	48 Month CESA
0.80%	$500	-	19 Month IRA
0.80%	$500	-	19 Month CESA
0.80%	$500	-	19 Month Roth IRA
0.65%	$100k	-	36 Month IRA
0.65%	$500	-	48 Month Bump Up IRA
0.65%	$100k	-	36 Month Roth IRA
0.65%	$500	-	48 Month Bump Up Roth IRA
0.65%	$100k	-	36 Month CESA
0.65%	$500	-	48 Month Bump Up CESA
0.55%	$100k	-	30 Month IRA
0.55%	$100k	-	30 Month Roth IRA
0.55%	$100k	-	30 Month CESA
0.50%	$100k	-	24 Month IRA
0.50%	$100k	-	24 Month Roth IRA
0.50%	$100k	-	24 Month CESA
0.50%	$500	-	11 Month IRA
0.50%	$500	-	11 Month CESA
0.50%	$500	-	11 Month Roth IRA
0.45%	$100k	-	18 Month IRA
0.45%	$100k	-	18 Month Roth IRA
0.45%	$100k	-	18 Month CESA
0.40%	$100k	-	12 Month IRA
0.40%	$100k	-	12 Month Roth IRA
0.40%	$100k	-	12 Month CESA
0.30%	$100k	-	6 Month IRA
0.30%	$100k	-	6 Month Roth IRA
0.30%	$100k	-	6 Month CESA
0.25%	$100k	-	3 Month IRA
0.25%	$500	-	24 Month Bump Up IRA
0.25%	$5k	-	9 Month IRA No Penalty
0.25%	$100k	-	3 Month Roth IRA
0.25%	$5k	-	9 Month Roth IRA No Penalty
0.25%	$500	-	24 Month Bump Up Roth IRA
0.25%	$100k	-	3 Month CESA
0.25%	$5k	-	9 Month CESA No Penalty
0.25%	$500	-	24 Month Bump Up CESA
0.20%	$500	-	12 Month Bump Up IRA
0.20%	$500	-	12 Month Bump Up Roth IRA
0.20%	$500	-	12 Month Bump Up CESA

Rates updated: 5/20/2013

Data for Q4 2012

Institution Statistics

MEMBERS 1ST
NCUA #	6694
BankRate Report	View
Year Chartered	1950
Employees	649
Primary Regulator
Assets and Liabilities
Assets	$2.30 billion
Loans	$1.68 billion
Deposits	$2.08 billion
Equity Capital	$188.71 million
Loan Loss Allowance	$11.75 million
Unbacked Noncurrent Loans	$19.92 million
Real Estate Owned	$2.43 million
Historic Data - December 2011
Assets	$2.08 billion
Equity Capital	$176.56 million
Loan Loss Allowance	$10.28 million
Unbacked Noncurrent Loans	$22.79 million
Real Estate Owned	$1.15 million
Profit Margin - Quarterly
Net Interest Margin	4.55%
Return on Assets	0.96%
Return on Equity	11.66%
Interest Income	$96.00 million
Non-Interest Income	$38.03 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Members 1St Credit Union had $22.35 million in non-current loans and owned real-estate with $200.46 million in equity and loan loss allowances on hand to cover it. This gives Members 1St Credit Union a Texas Ratio of 11.15% which is above average. 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 held steady from 12.81% as of December 31, 2011 to 11.15% as of December 31, 2012, resulting in a positive change of 12.99%.This indicates that the balance sheet and financial strength for Members 1St Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Members 1St Credit Union has increased its total deposits by $202.06 million, resulting in 10.74% 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.
Capitalization
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 $2.3 billion in assets with $200.46 million in equity, resulting in a capitalization level of 8.71%, which is average.