Swipe & Win Sweepstakes

Use your Members 1st Visa Debit Card or Visa Credit Card between May 1 and June 30, 2008. Each time you swipe your card, you’re automatically entered in our "Swipe & Win" sweepstakes. Four winners will be randomly selected in both June and July. The more you swipe, the more contest entries for you! Just swipe your card everywhere Visa Debit and Visa Credit Cards are accepted.

Sweepstakes rules are available at www.members1st.org/SwipeAndWin.aspx. Rules may also be requested by emailing accountinquiries@members1st.org. Need a Members 1st Visa Debit Card or Visa Credit Card? Simply stop by any branch today or call one of the following:

• Visa Debit Cards – (800) 237-7288
• Visa Credit Cards – (800) 283-2328, ext. 6035

Sweepstakes rules and regulations are available at http://www.members1st.org/SwipeAndWin.aspx

We make getting a Home Equity Loan easy.

Apply today! You can apply online or call our Loan Center at: (800) 283-2328, ext. 6040.

*Annual Percentage Rate is subject to change without notice. Minimum loan amount is $25,000. Maximum loan-to-value of 80%. Owner-occupied residences only. Members 1st FCU must be in first or second lien position. Home Equity Loan rates are for primary residences only (consult your loan officer for rental property rates). Your rate may vary from what is listed and will be determined by your individual credit profile and your home's available value as determined by appraisal less any outstanding mortgages. Under certain conditions, the borrower(s) have a one time option to modify their interest rate to our current 5-year home equity loan rate at the same LTV and credit tier as their original loan. Conditions include no 30-day late payments and not currently delinquent on this or any other Members 1st loan. Other conditions or restrictions may apply. Equal Opportunity Lender. Equal Housing Lender. Career opportunities available. Ask for details.

Relax...we make buying your first car easy.

A First Time Car Buyer Loan can help you finance that perfect set of wheels. No down payment required!

You qualify for a one-time, first-time car buyer loan if: *

• You are a four-year degree college graduate, a two-year associate degree graduate, or a graduate from a trade school, junior college, community college or nursing school
• You are within 30 days prior to graduation or it is within 6 months after your graduation
• You have not financed a vehicle previously
• You are employed or have verifiable offer of employment with a salary sufficient to cover ordinary expenses and your loan payment
• You do not have a derogatory credit history
• Graduate students are eligible while enrolled in grad school with proof of adequate income

Apply with us and you’ll get up to 90 days to make your first payment. Apply at the dealership using our On the Spot Loan program and we’ll give you up to 45 days to make your first payment.

Apply today! Stop by a branch or call (800) 283-2328, ext. 6040.

*Your auto loan annual percentage rate will be determined by your credit history and current credit report. Rates are subject to change without notice. Certain conditions or restrictions may apply.

Current Certificate Promotion

It’s fast and easy to open a certificate! Choose the best way for you:

• Visit any branch
• Call TeleBranch at (800) 237-7288
• Open your certificate with Members 1st Online

View rates and terms for all available certificates

*APY = Annual Percentage Yield. APY is subject to change without notice. Penalty for early withdrawal on all certificates. Certain restrictions may apply. The 11-month term certificate will renew to a 12-month term certificate at maturity unless redeemed prior to certificate maturity.

Jump into spring with a Members 1st Visa!

Between February 1 and May 30, 2008, use your Members 1st Visa Credit Card to make a purchase of $150 or more at the following merchant types. If you need to carry a monthly balance on those purchases, we’ll give you a low rate of 3.99% APR for up to 6 months on those balances, beginning with the first qualifying transaction. Subsequent qualifying transactions will receive the remaining term of the 6-month promotional rate.*

Get a jump on spring and use your Members 1st Visa Card today!

If you don’t have our Visa Credit Card, Apply online, visit any of our branches, or call our Loan Center at (800) 283-2328, ext. 6040 to apply over the phone.

*Qualifying transactions must carry a Standard Industry Code of the ones identified above, and be of a transaction equal to or greater than $150.00. Should you want to obtain a list of qualifying SIC codes, please contact the VISA Card Center at (800) 283-2328, ext. 6035. Members 1st FCU cannot be held responsible for merchants who are not coded properly by their merchant provider. If not coded properly, the applicable transactions will not qualify and standard APR applies. The 3.99% APR will begin on the first qualifying transaction and subsequent qualifying transactions will receive the remaining initial term of the 6 month promotional APR. Should you as a cardholder become delinquent or initiate a late fee, all incentive or promotional rates will be converted to normally disclosed APR’s as disclosed within the cardholder agreement. Members 1st FCU has the right to withdraw this incentive program at any time and or restrict access by cardholder account status.

We offer Home Equity Loans outside of PA