Personal Services

Ready to do more with your money?

If our members aren't on their way to financial success, we're not happy. So we offer a full suite of personalized tools, advice, and services—with low rates and lots of rewards. Financial health, here you come.

Icon of a piggy bank Image containing a piggy bank
Save

It all starts here. From setting up a safety net to hitting your long-term goals, we offer high rates and zero annual fees so you can grow your money faster. So, what are you saving for?

  • Certificates
  • Health Savings
  • IRAs
  • Savings & Club
View All
Icon of a stack of money Image containing a stack of twenty dollar bills
Spend

When you open a checking account with us, you'll be treated like family, not an account number. That means absolutely no hidden fees or minimum balance requirements, free bill pay, overdraft protection, and a contactless debit card for added security.

  • Checking
  • Visa Debit Cards
  • Courtesy Pay
  • Currency Exchange
View All
Icon of someone handing a coin purse Image containing a hand holding a stack of hundred dollar bills
Borrow

Need to borrow money? Let's create a personalized plan that works for you—with terms and rates tailored to fit your budget. No prepayment penalties. No surprises. And friendly concierge service whenever you need a hand. That's just how we treat our members.

  • Auto Loan
  • Home Equity Loan
  • Personal Loan
  • Mortgage
  • Motorcycle Loan
  • Boat & RV Loan
  • Student Loan
  • Loan Payoff
  • Visa Credit Cards
View All
Icon of a hand holding keys Image containing an alarm clock
Invest

We love helping members hit their goals. It's why we offer personalized service and help planning for what’s next. What’s your goal?

  • Investment Planning
  • Retirement Planning
  • Estate Planning
View All
Icon of a shield with a dollar sign Image containing a padlock
Protect

Protect what you love with a plan that fits your lifestyle. With our insurance options, you get excellent coverage, discounted prices, and unparalleled support.

  • Lending Insurance
  • Personal Insurance
  • Long Term Care
  • Medicare
  • TruStage
  • Pet Insurance
  • Fraud Protection
View All
Icon of an award and ribbon
Ready to get rewarded?

Our members get 1.5% cash back (1.5 reward points) on every purchase they make with our Visa Signature® Rewards Card.

More Details
Icon of a percentage symbol with an arrow in an upwards diagnol
Home Equity Rates

Your Home's Equity Opens Doors.

10-Year Fixed Rate as low as

3.49% APR*

*Annual Percentage Rate (APR).

Learn More
Icon of two credit cards
Visa Balance Transfer

Transfer your high-interest balance to our Visa credit card and start saving big. Our Visa Balance Transfer promo rate is a 0.00% annual percentage rate (APR) for the first 12 billing cycles and a 8.75%–18.00% APR*afterwards.

More Details
We're Here to Help

Getting Ready for Life's Moments and Milestones

Hit the Road

Hear that? It's the open road calling. Here's how to get an auto loan quicker and smarter.

Get Started

Off to College

Welcome to the start of a new beginning. Here's how to avoid student loans and make the most of saving for college.

Get Started

Buying a House

Your home will likely be the biggest investment you ever make. Here's everything you need to know—and who to talk to if you'd like some personalized guidance.

Get Started

Goal Savings

Save for big plans—a little at a time. With great rates and powerful in-app tools, it's never been easier to set (and achieve) your long-term goals.

Get Started

Visa Signature® Card

Get 1.5% cash back (or 1.5 points) on every dollar you spend. On top of that, you get emergency medical coverage, trip interruption insurance, and Visa Signature Concierge Service—all with no annual fee.

Get Started

Please be aware that by continuing you will be leaving www.members1st.org and viewing content from another website.

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.