Loyalty Rewards

Making membership even more rewarding

When you invest with us, we return the favor. Through our Membership Loyalty Rewards Program, we're able to offer fewer fees, great rates, and free services based on your relationship with Members 1st.

Our members get more

Do you use three or more services from Members 1st—for example, a savings account, a loan, and a Visa® card? If so, you can take advantage of special member benefits based on the combined balance of all your accounts, investments, and loans (excluding first-time mortgages).

. Silver Gold Platinum Titanium
Total Balance Requirement* $2,500 - $14,999 $15,000 - $34,999 $35,000 - $74,999 $75,000+
APR** Rate Reduction - Consumer Loans
(Variable Rate Loans are not eligible)
N/A N/A 0.05% 0.10%
APY** Rate Bonus - Certificates N/A N/A 0.05% 0.10%
Non-Members 1st ATM*** 5 Free per Month*** 10 Free per Month*** 15 Free per Month*** Free***
Money Orders $3.00 $2.50 Free Free
Free Checks**** N/A N/A N/A Free****
Certified Checks $2.00 Free Free Free
Members 1st Teller Check (Cashier Check)
Payable to Third Party
$2.00 Free Free Free
Safe Deposit Box / Storage Box Annual Standard Price Standard Price 10% Discount 20% Discount
Domestic Wire Transfers (Outgoing) $25.00 $20.00 $15.00 Free
Stop Payments $30 per Check Series of checks
(2 or more) $60
$30 per Check Series of checks
(2 or more) $60
$30 per Check Series of checks
(2 or more) $60
Free
Mailed Monthly or Quarterly Paper Statements Free Free Free Free
eStatements (Online) Free Free Free Free

*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.

**Annual Percentage Rate reductions and Annual Percentage Yield bonus rates are based on the current rates in existence at the time.

***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.
Note: Interest rates on eligible share certificates and loan accounts are set at account opening and do not change during the term of the same certificate or loan.

Common Questions

Your current Member Loyalty Reward level is located on the first page of your account statement under your address information. You can also find your reward level on the account summary page when you log in to digital banking. 

To increase your rewards level, you need to increase your total balance.* We evaluate rewards levels for all members on a monthly basis, and your level may change based on your qualifying products and balances at the end of each month.

You and your family members who live at the same address can agree to form an Authorized Family Group. Forming a group does not affect account access or ownership - it just means that everyone's balances are added together to make the rewards more beneficial to all.

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For your protection please be advised that public Internet email is not secure. Various links within our web site allow you to submit information to us by public Internet email. Please DO NOT provide personal or account information through public email or submit any personal information that would compromise your identity including your account number, social security number, credit card numbers, electronic services PINs, passwords or mother's maiden name. Members 1st will not respond via public Internet email to requests-for-account-information or account activity. Please contact Customer Service with these types of requests at (800) 237-7288 or (717) 795-6049.