When you become a member, you'll be rewarded thanks to our unique rewards program based on your account relationship with us. If you like the idea of fewer fees, more free services, reduced consumer loan rates, and bonus certificate rates, then you've landed on the right place.
All you have to do is use at least three of our products (for example - a regular savings account, checking account and a Visa Credit Card).
We offer four reward levels - Silver, Gold, Platinum, and Titanium. For example, if you have a savings account, a checking account, and a car loan, and the balances of the three are at least $2,500, then you're a Silver level member.
Your reward level is based on the total balances of your combined savings, loans (excluding first mortgages), and Members 1st Investment Services. Each reward level has its own minimum total balance requirement. Balances are calculated at the end of the month. Reward levels are re-evaluated and change based on your qualifying products and balances at the end of each month.
Your current Member Loyalty Reward level is located on the first page of your Members 1st Statement under your address information. Please see the example statement below for the location. You can also find your reward level on the account summary page when you log in to Members 1st Online.
To move up to the next level, consider increasing 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.
You may group your family members who live at your address so that all account owners at the same address can enjoy the same reward benefits. Each account owner must agree to be in the group. Forming a group does not affect account access or ownership. It just means everyone's balances are added together to make the rewards more beneficial to all. Ask for a Family Group Authorization Form.
| Silver | Gold | Platinum | Titanium | |
| Total Balance Requirement* |
$2,500 - $14,999 |
$15,000 - $34,999 |
$35,000 - $74,999 |
$75,000+ |
| Non-Members 1st ATM** |
5 Free per Month** |
10 Free per Month** |
15 Free per Month** |
Free** |
| Online Bill Payer | Free | Free | Free | Free |
| Money Orders | $2.50 | $2.00 | Free | Free |
| Free Checks*** | N/A | N/A | N/A | Free*** |
| Visa® Prepaid Gift Cards |
Free | Free | Free | Free |
| Certified Checks | $2.00 | Free | Free | Free |
| Safe Deposit Box / Storage Box Annual |
Standard Price | Standard Price | 10% Discount |
20% Discount |
| Wire Transfers (Outgoing) Domestic Foreign |
$25.00 $35.00 |
$20.00 $30.00 |
$15.00 $25.00 |
Free Free |
| Rate Reduction - Consumer Loans |
N/A | N/A | 0.05% | 0.10% |
| Stop Payments | $25 per Check Series of checks (2 or more) $50 |
$25 per Check Series of checks (2 or more) $50 |
$25 per Check Series of checks (2 or more) $50 |
Free |
| Rate Bonus - Certificates |
N/A | N/A | 0.05% | 0.10% |
* These balances equal the total of all your accounts as of month end, including Members 1st Investment Services balances, but not including first mortgages. Member Loyalty Reward Levels are subject to change without notice. Member Loyalty Rewards does not apply to Business Accounts.
** You may still be charged a surcharge fee from the financial institution or business that owns the ATM. ATM transactions count towards the monthly allowance and include withdrawals, transfers, and balance inquiries performed at foreign ATM machines. Deposits to a foreign ATM will not be counted towards the free monthly transaction allowance.
*** Check design is limited to our Specialty Checks. No substitutions or exceptions. You must be a Titanium level member at the time of your order. Offer does not apply to Business Accounts.
