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Members 1st Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.members1st.org
717-697-1161
5000 Marketplace Way
Enola, PA 17025

Members 1st Federal Credit Union is headquartered in Enola and is the 3rd largest credit union in the state of Pennsylvania. It is also the 44th largest credit union in the nation. It was established in 1950 and as of March of 2025, it had grown to 1,200 employees and 609,307 members at 60 locations. Members 1st Federal Credit Union's money market rates are 3X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Members 1St Federal Credit Union is open anyone through membership in Antique Automobile Club of America ($18 six month membership fee), Army Heritage Center Foundation ($5 donation), or Landis Valley Village and Farm Museum ($35 yearly membership). Membership is also open to those associated with the credit union's Select Employer Groups.
See current membership details

Reviews (1)

HORRIBLE Bank To Deal With

Posted by: |

They hold social security checks a week to avoid paying interest. A cashiers check from another bank they held 2 weeks. So far in one month they've denied me access to 6000.00. If you contact customer service they do not care. I miserable place to do banking business. I'll be moving all my money out tomorrow

1


Health
A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #6694
Year Chartered1950
Employees1200
Primary Regulator
Profit Margin
Return on Assets - YTD1.98%
Return on Equity - YTD16.21%
Annual Interest Income$115.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$8.31B$7.84B
LoansQ1 2025vs Q1 2024$6.69B$6.25B
DepositsQ1 2025vs Q1 2024$7.22B$6.74B
Equity CapitalQ1 2025vs Q1 2024$1B$833.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$82.6MM$81.2MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$49.8MM$49.5MM
Real Estate OwnedQ1 2025vs Q1 2024$179K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Members 1st Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$25k*-Health Savings Account
OTHER TIERS: 0.05% → $0 - $2.5k | 0.10% → $2.5k - $25k
0.15%$0-Holiday Club
0.15%$0-Vacation Club
0.10%$50-Regular Savings
0.10%$5-Savings Account (Members under 22)
0.10%$5-Kids 1st Club
0.10%$50-Supplemental Savings
0.10%$5-iMember Account
0.10%$500-Secured Credit Card Savings
0.10%$50-Goal Savings

Members 1st Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*$250k*-Money Management Account
OTHER TIERS: 0.05% → $0 - $2.5k | 0.50% → $2.5k - $25k | 0.65% → $25k - $50k | 0.75% → $50k - $100k | 1.00% → $100k - $250k
1.25%*$250k*-IRA Money Market
OTHER TIERS: 0.05% → $0 - $2.5k | 0.50% → $2.5k - $25k | 0.65% → $25k - $50k | 0.75% → $50k - $100k | 1.00% → $100k - $250k

Members 1st Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$2.5k-Checking Account

Members 1st Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.80%$500-11 Month CD Special
1.95%*$1m*-60 Month CD
OTHER TIERS: 1.50% → $500 - $10k | 1.55% → $10k - $50k | 1.60% → $50k - $75k | 1.70% → $75k - $100k | 1.85% → $100k - $1m
1.75%*$1m*-48 Month CD
OTHER TIERS: 1.40% → $500 - $10k | 1.45% → $10k - $50k | 1.50% → $50k - $75k | 1.60% → $75k - $100k | 1.70% → $100k - $1m
1.65%*$1m*-36 Month CD
OTHER TIERS: 1.30% → $500 - $10k | 1.35% → $10k - $50k | 1.40% → $50k - $75k | 1.50% → $75k - $100k | 1.60% → $100k - $1m
1.55%*$1m*-48 Month Bump Up CD
OTHER TIERS: 1.20% → $500 - $10k | 1.25% → $10k - $50k | 1.30% → $50k - $75k | 1.40% → $75k - $100k | 1.50% → $100k - $1m
1.55%*$1m*-30 Month CD
OTHER TIERS: 1.20% → $500 - $10k | 1.25% → $10k - $50k | 1.30% → $50k - $75k | 1.40% → $75k - $100k | 1.50% → $100k - $1m
1.50%*$1m*-24 Month CD
OTHER TIERS: 1.15% → $500 - $10k | 1.20% → $10k - $50k | 1.25% → $50k - $75k | 1.35% → $75k - $100k | 1.45% → $100k - $1m
1.45%*$1m*-18 Month CD
OTHER TIERS: 1.10% → $500 - $10k | 1.15% → $10k - $50k | 1.20% → $50k - $75k | 1.30% → $75k - $100k | 1.40% → $100k - $1m
1.35%*$1m*-24 Month Bump Up CD
OTHER TIERS: 1.00% → $500 - $10k | 1.05% → $10k - $50k | 1.10% → $50k - $75k | 1.20% → $75k - $100k | 1.30% → $100k - $1m
1.30%*$1m*-12 Month CD
OTHER TIERS: 0.95% → $500 - $10k | 1.00% → $10k - $50k | 1.05% → $50k - $75k | 1.15% → $75k - $100k | 1.25% → $100k - $1m
1.20%*$1m*-12 Month Bump Up CD
OTHER TIERS: 0.85% → $500 - $10k | 0.90% → $10k - $50k | 0.95% → $50k - $75k | 1.05% → $75k - $100k | 1.15% → $100k - $1m
1.15%*$1m*-6 Month CD
OTHER TIERS: 0.80% → $500 - $10k | 0.85% → $10k - $50k | 0.90% → $50k - $75k | 1.00% → $75k - $100k | 1.10% → $100k - $1m
1.10%*$1m*-3 Month CD
OTHER TIERS: 0.75% → $500 - $10k | 0.80% → $10k - $50k | 0.85% → $50k - $75k | 0.95% → $75k - $100k | 1.05% → $100k - $1m
0.75%$5k-9 Month No Penalty CD

Members 1st Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.80%$500-11 Month IRA Special
1.95%*$1m*-60 Month IRA
OTHER TIERS: 1.50% → $500 - $10k | 1.55% → $10k - $50k | 1.60% → $50k - $75k | 1.70% → $75k - $100k | 1.85% → $100k - $1m
1.75%*$1m*-48 Month IRA
OTHER TIERS: 1.40% → $500 - $10k | 1.45% → $10k - $50k | 1.50% → $50k - $75k | 1.60% → $75k - $100k | 1.70% → $100k - $1m
1.65%*$1m*-36 Month IRA
OTHER TIERS: 1.30% → $500 - $10k | 1.35% → $10k - $50k | 1.40% → $50k - $75k | 1.50% → $75k - $100k | 1.60% → $100k - $1m
1.55%*$1m*-30 Month IRA
OTHER TIERS: 1.20% → $500 - $10k | 1.25% → $10k - $50k | 1.30% → $50k - $75k | 1.40% → $75k - $100k | 1.50% → $100k - $1m
1.55%*$1m*-48 Month Bump Up IRA
OTHER TIERS: 1.20% → $500 - $10k | 1.25% → $10k - $50k | 1.30% → $50k - $75k | 1.40% → $75k - $100k | 1.50% → $100k - $1m
1.50%*$1m*-24 Month IRA
OTHER TIERS: 1.15% → $500 - $10k | 1.20% → $10k - $50k | 1.25% → $50k - $75k | 1.35% → $75k - $100k | 1.45% → $100k - $1m
1.45%*$1m*-18 Month IRA
OTHER TIERS: 1.10% → $500 - $10k | 1.15% → $10k - $50k | 1.20% → $50k - $75k | 1.30% → $75k - $100k | 1.40% → $100k - $1m
1.35%*$1m*-24 Month Bump Up IRA
OTHER TIERS: 1.00% → $500 - $10k | 1.05% → $10k - $50k | 1.10% → $50k - $75k | 1.20% → $75k - $100k | 1.30% → $100k - $1m
1.30%*$1m*-12 Month IRA
OTHER TIERS: 0.95% → $500 - $10k | 1.00% → $10k - $50k | 1.05% → $50k - $75k | 1.15% → $75k - $100k | 1.25% → $100k - $1m
1.20%*$1m*-12 Month Bump Up IRA
OTHER TIERS: 0.85% → $500 - $10k | 0.90% → $10k - $50k | 0.95% → $50k - $75k | 1.05% → $75k - $100k | 1.15% → $100k - $1m
1.15%*$1m*-6 Month IRA
OTHER TIERS: 0.80% → $500 - $10k | 0.85% → $10k - $50k | 0.90% → $50k - $75k | 1.00% → $75k - $100k | 1.10% → $100k - $1m
1.10%*$1m*-3 Month IRA
OTHER TIERS: 0.75% → $500 - $10k | 0.80% → $10k - $50k | 0.85% → $50k - $75k | 0.95% → $75k - $100k | 1.05% → $100k - $1m
0.75%$5k-9 Month IRA No Penalty
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