Members 1st Referral Program

Welcome to Members 1st

We’re glad you’re here! To receive your $50 Amazon eGift Card¹, simply click the button below to apply for membership. Want to learn more first? Scroll down to explore what you can expect as a member-owner of a credit union that puts its people first. 

Open an account

How it Works

  1. Apply online to become a member.²
  2. Once you're approved, we'll send you an email with your $50 Amazon.com eGift card.

Why Choose Members 1st

We’re so glad you asked. To put it simply, we do things differently. Here, your dollars help fund local businesses, first-time homebuyers and financial dreams. Here's a glimpse of what you can expect as a member-owner:

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YOU'RE A MEMBER-OWNER

As a member-owner, you have a stake in how we operate and a say in shaping the future. That means more personalized service, more meaningful benefits and a financial partner that puts you first.

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YOUR MONEY, YOUR WAY

Our checking account has no monthly maintenance fees and no minimum balance. Just freedom to use your money, your way.

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BANKING ON THE GO

From making deposits from your couch to concierge services at your fingertips, our app makes it easy to manage your money from anywhere.

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KEEP YOUR MONEY LOCAL

Our members tell us walking into our branches is like entering their home. At a time when just about everything is going digital, we're opening new branches in new locations and creating a more personalized experience for you.

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FINANCIAL WELLNESS

Budgeting, saving or planning for the big stuff—you’ll have access to free tools and financial counseling to bring confidence to your financial journey.

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COMPETITIVE RATES

From high-yield dividends to low loan rates, our member-focused rates are designed to help you save more, borrow smarter and reach your goals faster.

WHAT OUR MEMBERS ARE SAYING

“I became a member of Members 1st many years ago after feeling dissatisfied with my previous bank. From the start, I was greeted with a smile, which made me feel welcome and comfortable. Over the years, Members 1st has never let me down.” - Deborah Q., Dauphin County

“We walked into Members 1st as complete strangers—they didn't know us, and we didn't know them. Yet, we were approved for a loan and treated so well that my husband immediately opened a savings and checking account with them.”- Christine S., Lancaster County

“Members 1st gave me the foundation to start my journey to financial stability.”- Ismael T., Lehigh Valley

COMMON QUESTIONS

Rewards will be credited to you and the person who referred you no later than six business days after you complete all requirements of the program.

  1. Apply through this page. 
  2. Open a checking account and regular savings with a $5.00 minimum deposit. 
  3. Once your membership application is approved, your $50 Amazon.com eGift card will be emailed to you within six business days. 

You can check the status of your membership application by clicking here. 

¹Members 1st Digital Referral Program Terms and Conditions

Program Requirements 

  1. Any existing member in good standing can participate by sharing their personal link. Upon sharing, you will become a referrer (“Referrer/s”) and will be given a unique web link to share with friends and family who are not already a member of Members 1st (“Friends”) and who are happy to receive the link from you.
  2. Friends must use the link to register their details and join Members 1st. Friends consent to communication of confirmation of membership to the Referrer.
  3. Referrer and Friend will each receive their reward subject to these Terms & Conditions.  
  4. The Offer cannot be used in conjunction with any other offer.
  5. Referrers' and Friends' ("Users") personal data will be collected, stored and processed for the purposes of administering and assessing the Promotion. Members 1st will comply with all requirements of the Gramm-Leach-Bliley Act, Regulation P, and all other pertinent federal and state privacy laws.
  6. Members 1st reserves the right to suspend, cancel or amend the Promotion and/or review and revise these terms and conditions at any time without giving prior notice and by continuing to take part in the Promotion subsequent to any revision of these Terms & Conditions, Users shall be deemed to have agreed to any such new or amended terms.   
  7. The Promotion is in no way sponsored, endorsed or administered by, or associated with, X or Facebook or any other form of social media. By entering this Promotion, Users are providing information to Members 1st and not to X or Facebook and agree to release X and Facebook from any liability associated with the Promotion.  
  8. Eligibility of prospective member is subject to verification.
  9. Current members and joint owners do not qualify as prospective members.
  10. Associates, volunteers and officials of Members 1st are not eligible.
  11. The following account types are not eligible for payout under this Promotion:
    1. Youth Club Accounts 
    2. Business Accounts 
    3. Custodial Accounts
    4. Trust Accounts
    5. Estate Accounts
    6. Burial Reserve Accounts 
    7. Donation Accounts
    8. Public Funds Accounts
    9. IOLTA Accounts
  12. Bonuses will be reported to the IRS for income tax purposes. Members 1st will issue you a 1099 or other appropriate tax form.

Qualifying Action

A “Qualifying Action” is defined as all of the following:

  1. The Friend joining and accepting membership at Members 1st 
  2. $5 is required to open account and must remain in account until closure 

²Prospective members must meet current eligibility requirements.

From our Members

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When my husband was diagnosed with cancer in 2023, I wanted to take a short vacation with him. I applied for a small loan at another bank where I'm a member, but even with a good credit score and a high-paying job, I was denied. Members 1st didn't hesitate to approve the loan and within an hour, I walked out of the credit union with the money. Sadly, that ended up being the only vacation I had with him, as he passed in December 2023. I'm so grateful to Members 1st for making that long weekend getaway possible during such a difficult time.

LAURI H.

Berks County

Member Since 2020

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I joined Members 1st Federal Credit Union in 1974 while working at the Mechanicsburg Naval Supply Depot. I remained at the Depot until 1984 before moving on to new opportunities. Throughout my career, I stayed with Members 1st and for the past 50 years, they have always supported me whenever I needed financial help. I am incredibly grateful for their assistance during challenging times and proud to be a longtime member of Members 1st FCU.

RALPH W.

Cumberland County

Member Since 1974

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Our recording studio, Progressive Enterprises Sound, celebrates 40 years of business this April. Built on the freelance work of Joe Trojcak, we have recorded bands and solo artists, created jingles and edited audio magazines with subscribers in over 50 countries. Members 1st's digital banking services allow me to transfer and monitor my business and personal funds across multiple checking and savings accounts, as well as a highly useful HELOC. Manager Zach in Middletown and teller Joe Klock in Hummelstown have been especially helpful with financial suggestions and guidance.

JOE T.

Lancaster County

Member Since 2020

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Members 1st gave me my first credit card, helping me build credit on my journey to becoming a homeowner! In just two years, I built a strong credit history—and that was six years ago! Now, I've been a homeowner for nearly five years and it all started with the foundation Members 1st gave me to start my journey to financial stability. Thank you Members 1st!

ISMAEL T.

Lehigh Valley

Member Since 2019

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Even though I moved several states and nearly 500 miles away, I've remained a member of Members 1st. While I have established a relationship with a local credit union, Members 1st remains my primary institution as I can readily access and deposit funds remotely. Your rates, services and products are consistently competitive.

HOLLY L.

Cumberland County

Member Since 1987

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With a HELOC from Members 1st I was able to purchase my grandfather's 1956 International pickup and keep it in the family.

STEVE M.

York County

Member Since 1999

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I joined Members 1st Federal Credit Union in 1974 while working at the Mechanicsburg Naval Supply Depot. I remained at the Depot until 1984 before moving on to new opportunities. Throughout my career, I stayed with Members 1st and for the past 50 years, they have always supported me whenever I needed financial help. I am incredibly grateful for their assistance during challenging times and proud to be a longtime member of Members 1st FCU.

RALPH W.

Cumberland County

Member Since 1974

quote icon
Even though I moved several states and nearly 500 miles away, I've remained a member of Members 1st. While I have established a relationship with a local credit union, Members 1st remains my primary institution as I can readily access and deposit funds remotely. Your rates, services and products are consistently competitive.

HOLLY L.

Cumberland County

Member Since 1987

quote icon
With a HELOC from Members 1st I was able to purchase my grandfather's 1956 International pickup and keep it in the family.

STEVE M.

York County

Member Since 1999

quote icon
Our recording studio, Progressive Enterprises Sound, celebrates 40 years of business this April. Built on the freelance work of Joe Trojcak, we have recorded bands and solo artists, created jingles and edited audio magazines with subscribers in over 50 countries. Members 1st's digital banking services allow me to transfer and monitor my business and personal funds across multiple checking and savings accounts, as well as a highly useful HELOC. Manager Zach in Middletown and teller Joe Klock in Hummelstown have been especially helpful with financial suggestions and guidance.

JOE T.

Lancaster County

Member Since 2020

quote icon
Members 1st gave me my first credit card, helping me build credit on my journey to becoming a homeowner! In just two years, I built a strong credit history—and that was six years ago! Now, I've been a homeowner for nearly five years and it all started with the foundation Members 1st gave me to start my journey to financial stability. Thank you Members 1st!

ISMAEL T.

Lehigh Valley

Member Since 2019

quote icon
When my husband was diagnosed with cancer in 2023, I wanted to take a short vacation with him. I applied for a small loan at another bank where I'm a member, but even with a good credit score and a high-paying job, I was denied. Members 1st didn't hesitate to approve the loan and within an hour, I walked out of the credit union with the money. Sadly, that ended up being the only vacation I had with him, as he passed in December 2023. I'm so grateful to Members 1st for making that long weekend getaway possible during such a difficult time.

LAURI H.

Berks County

Member Since 2020

quote icon
With a HELOC from Members 1st I was able to purchase my grandfather's 1956 International pickup and keep it in the family.

STEVE M.

York County

Member Since 1999

quote icon
I joined Members 1st Federal Credit Union in 1974 while working at the Mechanicsburg Naval Supply Depot. I remained at the Depot until 1984 before moving on to new opportunities. Throughout my career, I stayed with Members 1st and for the past 50 years, they have always supported me whenever I needed financial help. I am incredibly grateful for their assistance during challenging times and proud to be a longtime member of Members 1st FCU.

RALPH W.

Cumberland County

Member Since 1974

quote icon
Even though I moved several states and nearly 500 miles away, I've remained a member of Members 1st. While I have established a relationship with a local credit union, Members 1st remains my primary institution as I can readily access and deposit funds remotely. Your rates, services and products are consistently competitive.

HOLLY L.

Cumberland County

Member Since 1987

quote icon
Our recording studio, Progressive Enterprises Sound, celebrates 40 years of business this April. Built on the freelance work of Joe Trojcak, we have recorded bands and solo artists, created jingles and edited audio magazines with subscribers in over 50 countries. Members 1st's digital banking services allow me to transfer and monitor my business and personal funds across multiple checking and savings accounts, as well as a highly useful HELOC. Manager Zach in Middletown and teller Joe Klock in Hummelstown have been especially helpful with financial suggestions and guidance.

JOE T.

Lancaster County

Member Since 2020

quote icon
Members 1st gave me my first credit card, helping me build credit on my journey to becoming a homeowner! In just two years, I built a strong credit history—and that was six years ago! Now, I've been a homeowner for nearly five years and it all started with the foundation Members 1st gave me to start my journey to financial stability. Thank you Members 1st!

ISMAEL T.

Lehigh Valley

Member Since 2019

quote icon
When my husband was diagnosed with cancer in 2023, I wanted to take a short vacation with him. I applied for a small loan at another bank where I'm a member, but even with a good credit score and a high-paying job, I was denied. Members 1st didn't hesitate to approve the loan and within an hour, I walked out of the credit union with the money. Sadly, that ended up being the only vacation I had with him, as he passed in December 2023. I'm so grateful to Members 1st for making that long weekend getaway possible during such a difficult time.

LAURI H.

Berks County

Member Since 2020

quote icon
Our recording studio, Progressive Enterprises Sound, celebrates 40 years of business this April. Built on the freelance work of Joe Trojcak, we have recorded bands and solo artists, created jingles and edited audio magazines with subscribers in over 50 countries. Members 1st's digital banking services allow me to transfer and monitor my business and personal funds across multiple checking and savings accounts, as well as a highly useful HELOC. Manager Zach in Middletown and teller Joe Klock in Hummelstown have been especially helpful with financial suggestions and guidance.

JOE T.

Lancaster County

Member Since 2020

quote icon
With a HELOC from Members 1st I was able to purchase my grandfather's 1956 International pickup and keep it in the family.

STEVE M.

York County

Member Since 1999

quote icon
I joined Members 1st Federal Credit Union in 1974 while working at the Mechanicsburg Naval Supply Depot. I remained at the Depot until 1984 before moving on to new opportunities. Throughout my career, I stayed with Members 1st and for the past 50 years, they have always supported me whenever I needed financial help. I am incredibly grateful for their assistance during challenging times and proud to be a longtime member of Members 1st FCU.

RALPH W.

Cumberland County

Member Since 1974

quote icon
Even though I moved several states and nearly 500 miles away, I've remained a member of Members 1st. While I have established a relationship with a local credit union, Members 1st remains my primary institution as I can readily access and deposit funds remotely. Your rates, services and products are consistently competitive.

HOLLY L.

Cumberland County

Member Since 1987

quote icon
Members 1st gave me my first credit card, helping me build credit on my journey to becoming a homeowner! In just two years, I built a strong credit history—and that was six years ago! Now, I've been a homeowner for nearly five years and it all started with the foundation Members 1st gave me to start my journey to financial stability. Thank you Members 1st!

ISMAEL T.

Lehigh Valley

Member Since 2019

quote icon
When my husband was diagnosed with cancer in 2023, I wanted to take a short vacation with him. I applied for a small loan at another bank where I'm a member, but even with a good credit score and a high-paying job, I was denied. Members 1st didn't hesitate to approve the loan and within an hour, I walked out of the credit union with the money. Sadly, that ended up being the only vacation I had with him, as he passed in December 2023. I'm so grateful to Members 1st for making that long weekend getaway possible during such a difficult time.

LAURI H.

Berks County

Member Since 2020

Share your story of how Members 1st made a difference in your life for a chance to be featured on our page and in our social media channels!

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