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Member Loyalty Rewards

Open Your Personal Account Today!

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.

The Following is a Summary of the Reward Levels and Benefits:

   Silver Gold Platinum Titanium
Total Balance Requirement* $2,500 -
$15,000 -
$35,000 -
Rate Reduction -
Consumer Loans (Variable Rate Loans are not eligible)
N/A N/A 0.05% 0.10%
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***
Visa Gift Cards Free Free Free 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
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.

** 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.

Free Online Bill Pay is offered to all Members 1st Consumer Checking accounts. Free Bill Pay does not apply to Business Checking account.

How do I Participate in Member Loyalty Rewards?

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).

What are the Member Loyalty Rewards Levels?

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.

How are the Reward Levels Determined?

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 may change based on your qualifying products and balances at the end of each month.

How will I Know My Reward Level?

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.

image of Statement

How can I Move Up to the Next Reward Level?

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 may change based on your qualifying products and balances at the end of each month.

If Several Members of My Family are Members and we all Live at the Same Address are there Added Benefits?

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.

Home Equity Loan 5-Year


Visa Balance Transfer


Home Equity Loan 10-Year


*APR=Annual Percentage Rate   **APY=Annual Percentage Yield
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